Savings and Investments

Saving and Investing is essential for everyone. There is not a “one size fit’s all” approach, there isn’t in clothes or relationships and more importantly there cannot be in savings strategies.

When most investors think of investing in the stock market, either directly or in a basket of unit trust funds, they think of market volatility and get nervous about investing or their investments. The fact is volatility is not the only risk you have, there are greater risks at stake that most of us don’t even consider and they are:

  1. Inflation
  2. Interest Rates
  3. Political Instability
  4. Time

Each one of us is affected by at least one, if not all, of the above, yet none of us question what consequence any of this can have on our investment decisions.

The aim of a good investment/savings strategy is that there should be a good marriage between the appropriate fund allocation and your specific needs and TIME horizon. When the appropriate TIME is given to an investment, most investments produce the expected results.

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