How many of us truly understand the various investment products available on the market and the one’s that best suit our investment needs? Talking Finance is a section focused on some of the investment products for which the reader can learn about the benefits, returns and risks associated with each investment class.
As each investor has different financial objectives and requirements, certain investment products may not be suitable hence why an investment advisor will be required to help make that right decision. This is what we are here for!
The following are some of the investment classes available:
Mutual Funds are a pool of investor’s money the scope of which is to invest in a diversified portfolio of asset classes such as the likes of bonds, equities, commodities etc. Quest Investment Services can offer a large selection of various types of Funds from several local and overseas mutual fund providers.
Equities are issued by companies in order to raise capital. When you invest in equities (shares) you are essentially buying a part ownership of a company. Equity is ownership, as simple as that. Investors invest in shares for 2 reasons, namely income and growth.
Bonds are issued by governments, states or companies in order to seek finance from the public for financing in exchange for attractive interest rates.
Retirement & Saving Plans are a disciplinary way of putting money a side on a regular basis in order to purchase units in an investment. On retirement age the total units saved during the course of time will be redeemed at the market price.
Protected Funds are mutual funds that come with a certain number of additional features and benefits, the main benefit being that your initial capital is guaranteed right up to the date of maturity.
Structured Notes are debt obligations that contain embedded derivative components with characteristics that adjust the security`s risk/return profile. The return performance of a Structured Note will track the underlying debt obligation and the derivative embedded within it.
