Investing

Comparing investment products

When you compare investment products, you should consider two key factors: Risks involved – most investments do not give you a capital guarantee. How much of your original capital could be at risk? Is there a risk of poor returns? Is there inflation risk? …


Understanding investment risk

Before you decide to invest, consider how you would feel if your investment lost some of its value in the short term. Investing is usually for the medium to long-term so your investment has time to increase in value. Usually, the greater …


Investment fees and charges

Investment charges can vary widely depending on the type of investment. This section gives you the right questions to ask and shows the fees and charges for different investment products, including: Charges on tracker bonds Before you sign an application form for a …


Government bonds

When you buy a Government bond, you lend money to the Government that has issued that bond. In return for that money, the Government provides you with a bond and promises to repay the value of the bond when it matures.


Stocks and shares

Stocks and shares can be complex for the first-time investor. In this section you will find information to help you understand how they work. What is a share? A share is a small part of a company that you can …


Tracker bonds

What is a tracker bond? Tracker bonds are fixed-term investments where typically most of your money is invested in a deposit based account and the rest is invested in the stock market, in a stock-market index or mix of indices. You …


Unit-linked funds

What is a unit-linked fund? A unit-linked fund is an investment plan, which combines your money with money from other investors and buys units in a fund. The number of units you get depends on how much you invest and …


Property investments

There are two ways you can invest in property: Directly – by buying a property as an investment Indirectly – by investing your money in a property fund Buying a property for investment You will need to have either a …


Investor compensation scheme

The purpose of the Investor Compensation Scheme is to pay compensation to you (subject to certain limits) if you have invested money or investment instruments in certain circumstances.


 

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