https://highmark-funds.com/2021/07/08/generated-post-2/
There’s something gratifying about accumulating money over time to save towards a goal for the future. There are many different investments available, each offering an opportunity to earn returns that beat inflation. It’s important to think about the various kinds of investments and how they’ll be incorporated into your overall financial plan.
Investments and funds
A fund is a collective investment where your and other investors’ money is put together and put into a variety of assets. This helps spread the risk since you’re not dependent on the performance of one asset type. For example an UK Equity Fund would consist of shares issued by various British companies.
However, you can also find funds that offer a range of different asset types or even more specialist sectors. There is a fund that will suit each investor, no matter the level of their expertise and investment timeframe or the risk tolerance.
Bond funds are a popular investment. They are made up of IOUs (debt) usually from governments or companies – and are more stable than stocks. However, they could be affected by changes in interest rates and the credit rating of the issuer.
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