There’s something very satisfying about saving money over time to invest for a long-term goal. There are a variety of investments that are available, each with a potential return which can beat inflation. It’s important to think about the different kinds of investments and how they’ll be incorporated within your overall financial objectives.

Investment and funds

A fund is an investment that pools your money with the money of other investors and invests it in different types of assets. This helps spread the risk because you’re not relying on the performance of just one asset type. For instance, a UK Equity Fund will comprise of shares from various British companies.

However, you can also find funds that provide various asset types or even more specific sectors. This means there is a fund for every investor no matter their level of experience, timeframe for investment or risk-taking approach.

Bond funds are a well-known choice of investment. They are a mixture of IOUs or debt, typically from governments or companies. They can be less volatile than stocks. However, they can still be affected by interest rate changes and the credit rating of the issuer.

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