We reward you for taking proactive steps to manage your money and your health
We encourage and reward you for investing longer and more, living well and withdrawing wisely. We have a diverse range of investment plans that can help you invest towards your retirement and other shorter- or medium-term goals. Our investment opportunities extend across local and offshore investments. No matter what you are saving for, we can help you get there.
To help you make informed decisions about your investments, speak to your financial adviser about the following:
We’re living longer - and that has changed traditional retirement practice. A potentially longer retirement timeline means that you need to save more money and that you need to invest your money differently in the years leading up to retirement.
Markets are unpredictable. They can go up one day and go down the next. These market changes are risks to your investment because if you have to withdraw your money while there is a market downturn, you might lose money on your investment. When you have a longer investment horizon you can afford more risk, but as retirement approaches you need to consider moving money to lower- risk investments.
Inflation is the rise in the cost of living. This means you will pay more for the same goods and services tomorrow than you do today. When you are investing for your future, it’s important that the money you invest grows at the same or higher rate than inflation.
Because of compound interest, the more time you have available to invest, the greater your benefits will be in retirement.
It's important to spread your investments among different asset classes, such as equities (shares), bonds, property and cash. This will ensure that your risk is spread – so if one asset class performs poorly, the value of your other investments can make up for this. Diversification can also refer to diversifying across different types of fund management (single or multimanager), across local and offshore investments, and in different currencies.
Your investment strategy starts with understanding your attitude to risk. Generally, the higher the potential risk of an investment, the higher the potential return. Different asset classes like cash, bonds, property and equities have different levels of expected risk and return; cash has low levels of expected risk and return, while equity has high levels of expected risk and return.