What makes the headlines can also affect your finances
Europe faces uncertainty. Your future deserves a plan
For you, the concern is closer to home: how far your money will go, what will happen to your savings and how to keep building the future you want.
Investing involves risk. The value of your investments can fall as well as rise.
Why investing matters
Before you start
3
Your checklist
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Set clear goals
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Keep an emergency fund
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Only invest money you can afford to leave invested
Three checks before you invest
Your goals
You’ve worked hard for your money. What do you want to build with it?
A home, your children’s education, a more comfortable retirement or a business of your own. Investing can form part of a strategy to work towards these goals, depending on your timeframe and the risk you can afford to take.
Goals
Think beyond next month
Inflation
Consider your purchasing power
Diversify
Spread your risk
Where you can invest
Different markets. Different ways to take part.
Understanding each option can help you assess how it fits your goals, experience and investment timeframe.
Investment options
The product matters as much as the market
Owning an asset and trading a CFD on its price involve different rights and risks.
Options available:
Shares
Invest in listed companies. Share prices depend on factors such as business performance, expectations and economic conditions. You could make gains or lose money.
Funds and ETFs
Access a portfolio of assets through a single product. Diversification depends on its holdings: a fund focused on one sector can still carry significant risk.
Bonds
Debt instruments issued by governments or companies. They may pay interest, but carry risks including default and changes in market value.
Gold
An asset that often attracts attention during periods of uncertainty. Its price also fluctuates, and it does not guarantee protection for your money.
Currencies and index derivatives
Trade movements in currencies or stock market indices. It is particularly important to understand the costs, how the product works and the effects of leverage, where applicable.
Start now
Turn your questions into an informed next step.
Request information about the options available, how they work and what to consider before you begin.
