• Income campaign
  • How to Invest

    Open an F&C Savings Plan

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  • Investing for Income

    You've worked hard. Hard enough to save and build a portfolio for the future. But as time passes by, you may now be beginning to plan for taking things easier. Easier workwise that is, but with a busy agenda of hobbies, traveling, or time spent with family and friends in the pipeline, it's important to plan ahead.

    As you consider your options, you need to make sure that your investments continue working hard for you. Remember, it's likely that your investment needs have evolved and that the role you want them to play has changed. For instance, growing your money may have been the primary objective in the past whilst in the future, the emphasis could be more on receiving an income.

  • Getting started

    A range of asset classes offer income potential and it makes sense to spread (or diversify) your risk across these as their income generating abilities vary during different economic climates.

    • Equities - dividends from shares can generate an attractive level of income and provide scope for capital appreciation as well.
    • Commercial property - rental income means that investments in office, retail and industrial properties can provide investors with a reliable and attractive income.
    • Fixed income corporate and government bonds - Historically, these have been favoured by investors seeking a steady income.

    At F&C, our range of investment trusts can help you gain access to all these asset classes and generate a regular income.

    Generating a regular income

    Although savings accounts can provide an income, interest rates may remain unattractive. If you're comfortable that stock market investments present a higher risk than savings accounts, it makes sense to see what opportunities are available.

    Investing for income simply means that you're interested in putting some of the potential returns that your investment generates throughout its life to good use. This could be to assist with day-to-day outgoings or it could be to support regular payments, such as school or university fees.

    At F&C, we provide a number of options for those investors who are looking to generate income.

    Investment trust income

    It's worth noting that in contrast to open-ended funds - which are obliged to pass on all the dividends they receive in any given year - some investment trusts are able to maintain payouts to investors as they operate a revenue reserve.

    By keeping back some of the income they generate in the good years they can bolster dividend payments in the bad. Over the longer term, the income from shares has proven to be a significant component of overall total returns.

    Before you invest, please be aware that the yield  these options produce isn't guaranteed and can fluctuate - sometimes significantly.

    The value of shares and the income from them is not guaranteed and can fall as well as rise due to stock market movements. Yields are calculated on an historic basis using the actual dividends paid during a company's last financial year and the closing share price as at the end of the relevant month. Past performance is not a guide to future performance. When you sell your shares, you might get back less than you originally invested. Change in rates of exchange may have an adverse effect on the value, price or income of investments.

  • The value of your investments can go down as well as up, and you may not get back what you originally invested.   

  • For Income Large

    It's important to
    select the right
    investments to
    provide a regular
    level of income with
    the ability to grow.

Past performance is not a guide to future results. The value of investments can go down as well as up.

Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.



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