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Getting started with investments

Before investing your money, invest your time

Understanding how and where to invest your hard-earned funds can, at times, be complex and rather confusing.

There are many options open to you, so it’s important to understand which types of investment would be suitable for you and your circumstances.

Wealth management and investment planning prompts lots of issues to consider, such as tax efficiency and how allowances will affect your investment choices.

Our expert Financial Advisers can offer you practical advice to help you decide what investment solutions are best for you.

LET'S TALK

It's only a matter of time

You should be aware that the value of your investment and any income from it may go down as well as up and you may get back less than invested.

Tax treatment depends on individual circumstances and may change in the future.

Investments – Things to consider

People invest for many reasons, but generally it is to make provision for a regular income either now or later, or for capital growth.

Either way, if you have a lump sum of money or are regularly saving into a bank or building society, the chances are that with interest rates at their current levels, any return is just about keeping pace with inflation.

So, if you have money available to invest, over and above a suitable reserve of readily accessible money in a cash account, other investment options may offer more potential.

Having knowledge and understanding of investments and how they work is just the first step. It's important that you consider your own personal circumstances and goals.

Things to consider:

  • Do you want to invest a lump sum, save regularly, or both?
  • Are you looking for capital growth, income or both?
  • Do you have a set goal in mind?
  • How long can you tie up the money you have available for investment?
  • How much risk are you comfortable with?
  • Do you need to consider the needs of dependants?

It is unlikely that there will be a single investment solution for your goals.  A combination of investments is likely to be more appropriate, and the mix will change as you progress through different life stages.

Other considerations

There are a number of other considerations for you to understand before making any choices.

The three main areas are:

  • Types of Investments – understanding the main asset classes
  • Investment Funds – understanding investment funds and how do they work
  • Understanding Investment risk –all investments carry risk and this explains some of the areas for you to consider and what they mean to you.

Take the time
to talk to us


Our Financial Advisers* will help create a picture of what you need to achieve and devise a financial plan that could help you realise your dreams.

LET'S TALK

* Please note

When you contact us we'll explain the advice services we offer and the charges. NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

For security and training purposes calls may be recorded and monitored.