Principles for good investing
Investing is about making your money work harder for you. We believe it should be simple and rewarding.
We’ve developed a set of four fundamental principles to help make good investing easier for everyone. Whether you’re just getting started or are well on your way, these key investment ideas can help lay the groundwork by setting clear goals, developing a plan for the long term and sticking to it. While your personal situations and preferences may lead you down different paths to your goals, these tenets are here to keep us all on the right track.
1. Build on firm foundations
We believe investing is for the long term, so it makes sense to start with a firm financial foundation. Before you begin, there are a few things to consider.
2. Start with a plan
Knowing what you want from your investments, and how you’re planning to get there, will help set the course for the rest of your investment choices.
3. Manage risk
Knowing what level of risk you’re most comfortable with will help you choose a blend of assets that is right for you. Your attitude to risk is likely to change over time so be consistent but also flexible in your approach.
4. Focus on the long term
Stock markets can be unpredictable, and your investments will perform differently over time. So, it’s important to keep the long term in mind and see past any short-term peaks and troughs.
The value of investments can go down as well as up, so you may get back less than you invest. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
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Putting time on your side
This guide looks at the effects of staying in the market for a longer period versus a short term view.
When doing nothing is best
This guide examines when it is best to resist making changes to your long-term investment strategy.
Managing investments in uncertain times
This is a general guide about investing when the stock market is in an unpredictable period of sharp falls or rises.