Investments
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The value of your investment can go down as well as up and you may not get back the full amount invested.
High Risk
Equity funds (Investment trusts, unit trusts, OEICs)
A pool of investors' money invested in a mix of equities selected by a fund manager. Spreads the risk and cost of investing in the stockmarket. Potential for high returns but also high risk. Capital is not secure.
Medium Risk
Corporate bonds
When you invest in a corporate bond you are lending money to the company. You receive a fixed rate of interest and the company undertakes to repay your capital at a set date in the future. The value of the bonds can go up or down. The guarantee that your investment and any growth will be returned is only as good as the financial strength of the company you're lending to.
With-profits funds
Most combine equities, cash, property and bonds to give more growth potential than a deposit account. The fund is managed so that growth (or profits) is aimed to be distributed evenly over time - this is called 'smoothing' and reduces the risk of investing directly in these assets.
Income Bonds
A guaranteed or variable income over a fixed term - usually three to five years - paid annually or monthly.
Property
Investment in commercial property. Investment returns from rents and capital appreciation/depreciation
Low Risk
Premium Bonds
Each individual bond is put into a draw every month for the chance to win from between £50 and £1,000,000 cash tax-free. You might not win big, or at all, but your capital investment is 100% guaranteed as it is backed by HM Treasury.
Deposit Account
Slightly greater potential return than a current account with the interest being added to your account monthly, weekly or daily.
Gilts (UK Government bonds)
When you buy gilts, your money effectively acts as a loan to the UK Government, going towards road maintenance, schools and the like.Capital is secure and repaid at the end of the specified term. As the value of gilts does not fluctuate as much as corporate bonds, they are the most secure type of bond.
ISA
ISAs are the government's way of encouraging you to invest in stocks and shares by allowing tax benefits. Many people think of ISAs as investments in their own right. However, in the simplest terms, they are tax-efficient 'wrappers' which are placed around other investments to give excellent tax benefits, in addition to those potentially provided by the same investments if they were held direct.
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