• Building an investment portfolio can help you to realise your long-term financial goals; a nest egg for your retirement, repaying a mortgage early or paying for university fees for your children. While a savings account can offer easy access and security of guaranteed capital, returns can be modest; therefore investing in the stockmarket can provide stronger returns over the long-term albeit at a higher level of risk.

    Potential for long-term returns

    Historically, investments that carry some level of capital risk – whether the risk of default in corporate bonds, or the risk of declining share prices – have rewarded their investors as a result. Of course there is no guarantee of this.

    So, while cash is undoubtedly safer than shares, over the longer term it’s unlikely to generate significant growth potential. Plus, any volatility in the stock market can sometimes represent an opportunity for investment managers who are looking to buy shares cheaply.

    Outperform inflation

    In order for your savings to grow in real terms over time, they need to earn a rate of return after tax that is greater than the rate of inflation. In today’s low interest rate environment finding a savings account that delivers a return above the current inflation rate can be difficult. So it’s worth considering investments which have the potential to outperform inflation.

    Provide a regular income

    If you are approaching or in retirement you will be seeking a regular income for day-to-day living expenses. A range of investments including, equities, bonds and property can all provide a regular and attractive level of income often higher than the level of inflation.

    Tailor to your changing requirements

    An investment portfolio can be designed to achieve different objectives as you go through life. For example, your attitude to risk may change as you become older, and with careful planning it’s possible to tailor your portfolio to reflect your changing aims.

    If you have a long time period in which to invest you may want to invest in funds that have growth potential or invests in more risky sectors such as emerging markets or private equity where your savings can weather any short term market fluctuations. If you are approaching retirement you may be looking to invest in more income focused trusts. F&C has a wide range of investment trusts to allow you to create a portfolio just right for your financial goals.

    Invest according to your financial circumstances

    Your financial circumstances will change over time, but you can alter how you invest to suit that. Whether that is investing a lump sum as and when you have built up a reserve of savings or by investing a smaller amount in a monthly savings plan.

    If you have the money available, you could start straight away – the sooner you invest, the longer it has to grow. Alternatively, investing a regular amount each month can help to iron out fluctuations in stockmarket performance. This can be particularly beneficial in a volatile market.

    Our investment products give you the flexibility to top-up your investments at any time. You can stop, start or change your monthly savings at any time. In addition, you can switch between any of our trusts whenever you want – just write to us and we’ll do the rest.

    Please remember the value of investments can go down as well as up and you may not get back the amount you initially invested. If you have any doubts about which investment product is right for you please contact your financial adviser.

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 and the relevant Key Information Documents (“KID”) 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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