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:
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:
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.
Investing in equities (shares), bonds, commodities, property or cash carries different levels of risk that need to be considered against potential returns.
Diversification is about reducing risk by spreading your investments over different assets (equities, bonds, commodities, property and cash), sectors, funds, and markets.
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.
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.
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.
No matter how small the investment, making monthly contributions into a savings plan can build to a sizeable sum over the long term.
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