All investments carry a degree of risk with them — even cash, as anyone who had large amounts in the Icelandic banks knows only too well. We have graded our investments as low risk, medium risk and high risk, and below explain what we mean by this.
Low Risk Investments:
These investments may fall as well as rise but the falls and rises are likely to be relatively low in their margins. The potential upside of the investment is not as high as others, but also, the likelihood of losing large amounts of money is very remote. We feel these are ideally suited to the investor who is looking for a better return than cash without taking undue risk, but who will accept some fluctuation in the values to achieve this. Probably ideally suited for first time investors.
Medium or Balanced Risk Investments
These investments may fluctuate more significantly than with low risk funds. The potential upside of the investment is greater than the low risk fund, but there is also the likelihood of losing larger amounts of money in adverse market conditions. An investor in these funds would see a low point in values as a ―time to ride out the storm ??and would be able to wait for markets to recover. We feel these are ideally suited to the investor who is looking for significantly better returns than cash with a longer time frame in mind and who is willing to see the rises and falls without panic.
Higher Risk Investments
These investments may fluctuate considerably but the potential for significant returns goes hand in hand with the potential for some significant losses. There is little likelihood of losing all your money, but returns can vary sharply in certain markets. An investor in these funds would see a low point in values as a time to buy more; would be able to wait for markets to change and would accept that they could lose money. We feel these funds are ideally suited to the more aggressive and potentially more experienced investor, who is looking for significant gains and who is willing to see the potentially large rises and falls in the value of their funds.
As an investor you may wish to have your money spread across one or more type of investment, which is reasonable as long as you are aware of the associated risks.
Things to be aware of:
We cannot guarantee how the funds shown in this brochure will perform in the future as past performance is no guarantee of future performance. We are not in any way recommending any investment for you or any risk level for you. Our wish is to provide you with the knowledge and information to help you make informed choices from the chosen funds at your own risk, but to start saving and investing for your own future. We have chosen funds that we believe will do well for your money in the future as we wish our investors to prosper and to continue to invest with us for many years to come.
If you would prefer to have financial advice and go through a profiled risk assessment and recommended investment process, this is available as an additional chargeable service. If you would prefer this, then please do contact us for advice, by email at firstname.lastname@example.org or by Freephone 0800 0181315 or complete our Enquiry Form