"It’s ok to have your eggs in one basket, as long as you control what happens to that basket."
Elon Musk
Business Magnate
Types of investments
Investments are not just for the rich.
Investing is for anyone.
The amount you invest doesn’t have to be ground-breaking; just the fact you are doing it is enough. Saving for a rainy day is something everyone can do; whatever your income or financial status.
There are a lot of different investment portfolio and pension funds available in the investment world, and it can feel like a daunting experience, but once you invest your first sum of money – large or small, you won’t turn back. Here’s a quick run through on some of the main options:
Here To Help
Setting up your own business is rarely as straight-forward as people think. There’s much to consider and many financial responsibilities you will have to ensure you’ve covered before you can get started.
Funding your business with enough capital is frequently overlooked. Most companies that are underfunding will struggle with cashflow, and potentially cause the early demise of a fledgling business.
Across all the pages in this section, we provide a series of guides to help you find what you should be looking for, particularly when it comes to funding your business to the right levels, so when that time comes, we can help you…
CHOOSE THE ADVISER WHO UNDERSTANDS YOUR NEEDS.
CASH
This delivers a low growth but is very low risk. Your cash will be held in a savings account and is a ‘safe space’ where already accumulated gains can be stored. Cash however can be affected by inflation. and lose a lot in value.
SECURITIES
Equities
More commonly known as stocks and shares, equities represent a stake in a company. With this, you have ownership of a small portion of a company. They are high risk in the short term, as their value can rise and fall, but long term can benefit you greatly.
Bonds
A bond is a government or corporations’ loan. Their risk level can vary but tend to be a safer bet than a business equity. A bond needs to be paid back over time and does build interest; however, they often offer a steadier return and their value tends to stay consistent.
COMMODITIES
Physical assets available to invest in are known as commodities. These can include anything from grain to gold. Their completely independent from securities, so add some balance to a portfolio. They tend to be higher risk and can deliver some growth but do protect from any potential losses from securities.
COLLECTIVE INVESTMENTS
A collective investment allows those with a desire for a selection of investments but no time to select what, to invest safely. Money is put in with others and invested across a range of assets.
OEICs
An Open-Ended Investment company will sell shares within their company. Then it will invest in assets on your behalf. How this investment performs, will affect its price.
Consult with a financial adviser before you decide on this option, as many offer different levels of risk and return.
UNIT TRUSTS
Buying units of a fund run by a fund manager is known as a unit trust. Dependent on the fund managers opinion of the investments and their performance, they will select an asset to invest in.
Financial advisers are helpful here to help you select the right unit trust for your future ambitions.
Abacus Associates manages the personal wealth of many people across the UK and over £1 billion of investments, providing clients with financial advice and access to investment products and services.
We do not charge for initial consultation meetings. If you would like a face-to-face meeting, feel free to pop over to our office or we can always can come to you.
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Registered office: Solent Business Park, 4500 Parkway, Whiteley, Fareham PO15 7AZ. Registered number: 07586042
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Capital is at risk and you may get back less than you invest.
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