Why invest?
Rainy days, exotic holidays, fancy cars, fairy-tale weddings – for most of us, these things are not going to happen unless we make it happen. To do any of this, we need to have money saved to pay for it – debt quickly turns into a dream-stealer we need to avoid.
Different types of funds
- Cash funds give you the most predictable return,
but probably won’t surprise you on the upside. - Multi asset funds move your assets between classes
on your behalf – much like a shock absorber. - Index trackers follow the markets, they’re cheap
as chips and can be just as satisfying.
Which fund?
Understanding how comfortable you are with risk can lead you in the right direction.
Ask yourself:
- How long can I leave the money without touching it?
- How much can I afford to save every month?
- Could I add lump sums now and again?
- How twitchy will I get if my value goes down?
Tools ‘n things
Playing around with the numbers can help you understand our funds a little better and can go a long way in helping you make your investment decisions. You know what they say: “The best way to learn is to do”.
Now what?
You’ve made the commitment to save and decided on a fund – the hard part is over! Now for the paperwork. Don’t despair – it’s easier than getting a driver’s licence, and we are here to walk you through the process, from the beginning until the very end.