Investment opportunities
Investment funds fall into several groups by fund profile and strategies. With the target investment term in mind, and the risk level you are ready to assume, we offer the following investment options.
Reserve fund
Investments in low risk funds - short-term bonds, deposits and cash exchange transactions, where price fluctuations are fairly minute. The return is rather stable and predictable, but, therefore relatively low as well.
Bond funds
Investments in moderate risk funds – government or corporate bonds, the range their price fluctuations is higher, thus making investments a little riskier, but the potential return, on the other hand – considerably higher.
Balanced funds
Investments in equities, and bonds with the aim to attain a higher potential return than that of bond funds, and less volatility and risk than equity funds.
Equity funds
Investments in high risk funds – in companies of various regions and industries. The broad range of short-term price fluctuations makes equity funds riskier then others, but also, in a longer period of time, potentially most profitable.
In order to start investing you will need spare money resources, besides investment amounts start from as little as 50 EUR.
How to chose the most appropriate solution for you?
Investing means combining various investment instruments, finding the solution that best serves your needs. For a kick-start, here are some ideas: how to split between reserves, bonds and equities, considering two key aspects – your risk exposure readiness and investment term.
| Risk level |
Investment period/Fund type |
||||||||
| Up to 2 years | 2 - 4 years | More than 4 years | |||||||
|
5 |
70 | 20 | 10 | 75 | 15 | 10 | 80 | 15 | 5 |
|
4 |
65 | 20 | 15 | 70 | 20 | 10 | 75 | 15 | 10 |
|
3 |
45 | 40 | 15 | 50 | 40 | 10 | 55 | 35 | 10 |
|
2 |
35 | 45 | 20 | 40 | 40 | 20 | 45 | 40 | 15 |
|
1 |
20 | 60 | 20 | 25 | 60 | 15 | 30 | 55 | 15 |
| Stock funds | Bond funds | Reserve funds |
Example
You are willing to invest money to a period of time up to four years and your risk level is 2 – we recommend 40% of the bulk to be invested in equity, 40% - in bond, and 20% - in reserve funds.
To purchase extra fund portfolio you can use Regular purchase. It is a convenient way, how you can purchase extra fund portions of your choice, if your fund portfolio has turned out to be financially prosperous. By choosing regular purchase you can automatically enlarge your investment portfolio with regular amount every month.