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Investment and risk2.2 Investment considerations - qualifying savings and investment needsIn this section, we aim to look in more detail at the factors that influence an individual’s savings and investment needs. Variance in income needs
Investors will have a variety of income needs from their investment portfolio. Some will require a high level to supplement income received elsewhere. Often realistically high levels of income can be produced but at the price of lower or zero growth in the portfolio. The individual may even accept a gradual erosion of capital over time... Shortened demo course. See details at foot of page. ...possible. Often a combination of income and growth can be provided within the same product and this may satisfy the needs of many with the added simplicity of only having to administer one plan. However, it may have drawbacks – not least the generally held belief that savers and investors should diversify their portfolios to a reasonable level to reduce risk. As such an...
Shortened demo course. See details at foot of page. ...ectations. It is important to understand that there is a strong connection between required returns on investmen...
Shortened demo course. See details at foot of page. ...sudden falls in capital values, loss of dividend income etc which could significantly reduce returns. The effect of taxation in respect of savings and investments will usually take a couple of forms. In the main,...
Shortened demo course. See details at foot of page. ...nt (but not the only) consideration when assessing an individual’s overall savings and investment needs. The types of charges that could apply to investment products vary widely.
Sometimes they may be “hidden”. For instance the charges ... Shortened demo course. See details at foot of page. ...ex, then charges are likely to be much lower. The disadvantage of these funds is that they can never really outperform the index that they follow. |
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