Types of Investments

Which type of investment is right for you

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Types of investments

There are many different types of savings and investment products on the market,
each with varying levels of risk and return.

Investment funds

These vary by what the particular fund invests in – whether it’s shares in top multinationals, large commercial properties, fixed interest securities issued by Governments and large companies or deposits. Some funds may invest in just one type of asset, for example, an Equity Fund which only invests in shares in top multinationals.

Other funds, referred to as Managed or Multi Asset Funds, invest in a mix of shares, property and fixed interest securities.
Remember: Investment funds are subject to investment risk. Their value at any time could fall below the amount you invested and are generally only suitable for longer term investment, such as five years or more.

The level of risk attached to a particular investment fund will vary by what the fund invests in. To guide you, funds are typically graded on a scale of 1-7 with 1 being the lowest risk and 7 being the highest risk.

Tracker bonds

These bonds typically lock up a lump sum for a term of about five years. At the end of the term you are usually guaranteed to get back at least what you invested (or a high percentage of what you invested, such as 90%), together with a bonus related to the growth, if any, in one or more stock markets or in the shares of certain large multinationals. If the particular stock market or shares to which the bonus is linked, do not increase in value over the term, there is no bonus payable at maturity and in this case you would get back the guaranteed capital sum only, which would typically be the amount you invested.

Long term savings plans

These plans are available from a life insurance company. They accumulate a capital sum over the longer term from regular monthly savings. The recommended minimum term for plans like these is five years and your savings are typically invested in the type of investment funds outlined above. We can help you to decide what type of plan best suits you. They will ask you about your financial goals and your attitude to risk and help you come up with a savings and investment plan that helps you reach your goals.

Stockbroking 

We provide an Execution Only Stockbroking service. This means there is no advice given to our clients in relation to buying or selling shares.

A share is a small part of a company that you can buy for a set price. Share prices can move up or down in value, depending on the performance of the stock market, the current profitability of the company and the expected future profitability or potential of the company. The aim is to invest in shares that increase in value over time. You may also receive a dividend, which is a sum of money paid out of the company’s profits to shareholders.

Warning: If you invest in these products you may lose some or all of the money you invest
Warning: The value of your investment may go down as well as up.
Warning: These funds may be affected by changes in currency exchange rates.

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