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Learn about investing

If you're new to investing, this section aims to give you an overview of the different types of investments available and what you need to look for when choosing your investments.

When you are investing, these are some key principles to keep in mind:

  • identify your investment goals
  • select the type of investments and the level of risk that suits you
  • develop a diversified portfolio
  • invest for the medium to long term

Remember the value of investments can go down as well as up and you may get back less than you invested.Fidelity Personal Investing only gives information about products and services and does not provide investment advice based on individual circumstances. If you are unsure of the suitability of an investment you should speak to an authorised financial adviser.

Within this section, you can explore the principles of successful investing, just follow the links below:

Asset allocation

When you invest you'll see terms such as asset classes and asset allocation talked about. These are the basic mechanics of what goes into investing.

Risk and return

Investing in equities (shares), bonds, commodities, property or cash carries different levels of risk that need to be considered against potential returns.

Diversification

Diversification is about reducing risk by spreading your investments over different assets (equities, bonds, commodities, property and cash), sectors, funds, and markets.

Share classes

Another area where there is flexibility to help you achieve your goals is the 'share classes' that are available on some funds. These mean you have more than one way you can invest in these funds.

Stock market performance

Shares listed on stock markets represent real companies. As the value and demand for these company shares increases so does their price, although the opposite can happen depending on company news and market conditions.

Taking the longer term view

Stockmarkets can be unpredictable. They move frequently - and sometimes sharply - in both directions. It is important to take a long-term view (typically ten years or more) and remember your reasons for investing in the first place.

Monthly saving

No matter how small the investment, making monthly contributions into a savings plan can build to a sizeable sum over the long term.

Investing for children

Children can be expensive. University fees are estimated at £43,000 1, the average house deposit £27,500 2 and the cost of a wedding reaching over £17,000 3. We can help you save towards these.

Source:

  1. Average debt for a UK student starting a course in 2014. Telegraph, 2014.
  2. whatmortgage.co.uk, 2014
  3. UKWeddingbelles.com 2014

What is a Stocks & Shares ISA?

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