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New to investing


 New to Investing

Saving and investing is an important part of planning for your future. Saving regularly will help you:

  • Manage your money
  • Cope with unexpected expenses and emergencies
  • Afford things you need in the future
  • Borrow less
  • Ease financial stress

It's a good idea to save for events you know are coming up in the short-term, like holidays or Christmas. This means you will have some money put aside when the time comes. Saving for the short-term allows you to access your money at short notice, while earning some interest and keeping your money safe.

Longer-term saving usually involves some investing, this will help your money grow so you can afford something in the future, for example your children's education or your retirement. Most investments involve an element of risk, but over the long term it may give you a better return than savings. It’s important that you understand this risk and return on your investments.

- See more at: http://www.consumerhelp.ie/saving-investing#sthash.xpcfKXV7.dpuf

Saving and investing is an important part of planning for your future. Saving regularly will help you:

  • Manage your money
  • Cope with unexpected expenses and emergencies
  • Afford things you need in the future
  • Borrow less
  • Ease financial stress

It's a good idea to save for events you know are coming up in the short-term, like holidays or Christmas. This means you will have some money put aside when the time comes. Saving for the short-term allows you to access your money at short notice, while earning some interest and keeping your money safe.

Longer-term saving usually involves some investing, this will help your money grow so you can afford something in the future, for example your children's education or your retirement. Most investments involve an element of risk, but over the long term it may give you a better return than savings. It’s important that you understand this risk and return on your investments.

- See more at: http://www.consumerhelp.ie/saving-investing#sthash.xpcfKXV7.dpuf

Saving and investing is an important part of planning for your future. Saving regularly will help you:

Questions


   

 

 

 

 

 

 

 

 

Manage your money

  •     Cope with unexpected expenses and emergencies
  •     Afford things you need in the future
  •     Borrow less
  •     Ease financial stress

It's a good idea to save for events you know are coming up in the short-term, like holidays or Christmas. This means you will have some money put aside when the time comes. Saving for the short-term allows you to access your money at short notice, while earning some interest and keeping your money safe.

Longer-term saving usually involves some investing, this will help your money grow so you can afford something in the future, for example your children's education or your retirement. Most investments involve an element of risk, but over the long term it may give you a better return than savings. It’s important that you understand this risk and return on your investments.

[It's good to know your options...] If you are new to investing or even if you are an experienced investor, then you’ve come to the right place. For nearly 10 years we had been helping our customers find solutions that meet their financial needs. We are one of the leading wealth management consultants in the Indian market with over 1600 independent clients (February 2014).


We provide a fresh approach to investing. One that enables you to discuss your needs, assess and agree your attitude to risk and then build and maintain an investment portfolio to match.

It’s good to know your options…

We all want our money to grow and generate a return greater than inflation.
You may have noticed that interest rates are now not as attractive as they were a few years ago and maybe your wondering whether your money is currently working as hard as you did to earn it in the first place.  
So, perhaps now could be the right time for you to consider getting into investing?

What we can do for you?


You have worked hard for your money and we understand that the thought of investing for some people can seem like a very risky prospect.  That’s why we want to make sure that you understand what your money is investing in and any risks involved. Simply put – investing and risk go hand-in-hand – We believe that the key to successful investing is managing risk in order to maximise your potential returns. With the impact of inflation, there’s even a risk that in doing nothing, your money is losing its buying power.
So, for you to try and make any investment gains above inflation you really have to assume some level of risk.

What is your attitude to risk?


In general, the greater the potential return you want from your savings and investments, the greater the risk you have to take. It is important to talk to a financial advisor about the level of risk you are prepared to accept and what it will mean to the returns you can expect. This should then influence the type of funds that you invest in. We appreciate that everyone will have a different appetite for risk and reward, therefore we have a huge range of investments for you to choose from. You can choose the sort of investments you’re comfortable with and that are right for you and your goals.

You can find out more about investing and risks here,but if you’d prefer to talk to someone, then call us, or contact us directly by clicking here to arrange an appointment.

Investing & Investment Risk

Before you decide to invest, it is very important that you ask yourself how comfortable you would be if your investment lost some value especially in the short-term.

Investing is usually for the medium to long-term (typically, 5-7 years or more) to give investments time to grow in value. However, even long-term investing involves risk as values will fluctuate over time and most investments do not provide a guaranteed level of return or a promise that you will not lose money.

In general, the greater the potential return you want from your savings and investments, the greater the risk you have to take. It is important to talk to a financial advisor about the level of risk you are prepared to accept and what it will mean to the returns you can expect. This should then influence the type of funds that you invest in – funds that suit your appetite for investment risk.

Most investments involve an element of risk:

    Return Risk – the risk that your investment may not achieve the return expected
    Capital Risk – the risk that you could lose some or perhaps all of the original money that you had invested.

Risk can vary from investment type to other and it is very important, before you make any investment decision, that you understand all the risks associated with any fund. This will be key to picking the fund that best suits your needs.

We Categorise Risk As Follows:

 

 

 

Funds categorised as Very Low Risk have the following characteristics:

• They focus on preservation of capital above all else
• They involve very little risk to investors’ capital
• They are only designed as short-term holdings
• Over the medium to long term, the return on these funds may be less than inflation and may not be enough to cover product charges


 

 

 

 

 

Funds categorised as Low Risk have the following characteristics:

• They aim to provide a return in line with, or slightly better than, deposits
• They involve very little risk to investors’ capital, provided certain conditions are met such as remaining invested for a specific period of time
• Typically investments in this category will promise a specified return at some point in the future, e.g. a minimum of 100% capital back in 5 years’ time


 

 

 

 

Funds categorised as Low to Medium Risk have the following characteristics:

• They offer the potential for returns in excess of deposits but do not promise a minimum return at any time
• They tend to invest in a range of assets, normally focusing on lower risk assets such as government bonds and investment grade corporate bonds
• However they also typically invest in higher risk assets such as equities, property and alternatives (e.g. commodities). At times these investments may be a significant proportion of the fund.
• Investors’ capital is less exposed to market fluctuations than higher risk investments but investors may get back less than they originally invested


 




  • Medium risk investments offer the potential for returns in excess of deposits but do not promise a minimum return at any time
  • Medium risk investments tend to invest in a range of assets, which would normally include lower risk assets such as government bonds and investment grade corporate bonds.
  • However, they can also invest in other assets such as stocks, property and alternatives e.g. (commodities).
  • At times these investments may be a significant portion of the fund. 
  • Investors’ capital is less exposed to market fluctuations than higher risk investments but investors may get back less than they originally invested




Funds categorised as Medium to High Risk have the following characteristics:

• They aim to generate a return higher than deposits and inflation
• They typically invest significant proportions in assets such as equities, property and alternatives (e.g. commodities). They usually hold smaller amounts in lower risk assets such as government bonds and investment grade corporate bonds.
• Within these asset classes risk can be reduced by investing across sectors and geographic regions
• Investors’ capital is not secure and can fluctuate, sometimes significantly, and investors may get back less than they originally invested


 




Funds categorised as High Risk have the following characteristics:

• The potential return from high risk investments is much higher than deposits or inflation.
• The focus is on maximising the potential return to investors, rather than minimising risks.
• Some high risk funds may consist almost entirely of one asset class or be concentrated in one geographic region or sector.
• Investors’ capital is not secure and may fluctuate significantly.  Investors may bet back substantially less than they originally invested.


 




Funds categorised as Very High Risk have the following characteristics:

  •  They aim to generate exceptional returns for investors, but involve a significant level of risk
  • Very high risk funds may borrow to finance the purchase of assets and while this offers the potential for higher returns, any losses incurred by the fund will be magnified as a result of borrowings
  • In a worst case scenario, investors in a very high risk fund could lose all of their original investment.
New to investing