Investments & Savings

Investments & Savings

Helping you with your Investments & Savings

Almost all of us have saved money, whether in post office books, deposit accounts or SSIAs. So we all understand the benefits of putting aside some money and watching it grow. Investing is no different and can offer the potential to get a greater return on your money. Long term investing doesn't have to be complicated and we have some investment tools, calculators and an investment guide to help you determine what type of investor you are and the level or risk and reward you're happy with.

Assessing your long term and short term goals

Having money on deposit is a good route to achieving a short-term financial goal, such as having enough money for a holiday, a new car or for a rainy day. Your money is secure and you also have easy, often instant access to it.

Considering your options

For longer-term financial goals, however, you may want to consider other options. When investment markets are more volatile, as they are now, it can be tempting to put off investing. However, it's important to understand that shorter term periods of ups and downs are more than compensated for by the long term opportunities.

Early retirement? Second home? Or simply peace of mind?

It's always sensible to have some money on deposit where you can access it when you need it. Making your way towards a longer term financial goal, such as an early retirement or a second home, may, however, be more easily and successfully achieved by investing your money over the long term. Just like saving money in a deposit account, you can start investing with a relatively small amount of money. You can also invest using a lump sum or a series of regular amounts.

Opportunity for growth

The big difference, however, is that the money is used to invest in funds that buy assets such as shares, properties, bonds or commodities. The value of these assets has the potential to grow at a faster rate than inflation. So the value of your investment has the opportunity to achieve significant growth and generate a higher return for you in the medium to longer term.

Making the choices that are right for you

There's no need for investing to become a voyage into the unknown. Although the investment world does give you plenty to think about, that's a good thing. It means that you get to choose investments that suit your financial situation, risk profile and your financial goals. Talk to us about your investment plans. We'll help you plan ahead.

Of course, like any new place, you'll come across some new ideas and there could be some unfamiliar terminology. By taking a little time to develop even a rudimentary understanding of how the investment world works, you'll feel much more comfortable in your new surroundings. You'll also learn not to lose faith if, as at present, the markets turn downwards, knowing that they're likely to move upwards once more.

Contact a TMS advisor now

Take a few moments now to speak to one of our advisors. Contact us on 1800 650 650

Warning: Past performance is not a reliable guide to future performance.

Warning: The value of your investment may go down as well as up.

Get a quote

Life assurance, Income Protection and Savings and Investments are provided by You Talk We Listen Ltd trading as (TMS Financial Services and as The Mortgage Shop). You Talk We Listen Limited trading as TMS Financial Services and as The Mortgage Shop is regulated by the Central Bank of Ireland.

Terms and conditions apply.