FINANCIAL INVESTMENT OPPORTUNITIES-Mishal kamran.docx

Product suitablerisk attitude banks banks managed

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Product Suitable/Risk Attitude Banks Banks Managed Funds Suitable for high, medium and low risk attitude people. Usually for the people with high to medium risk tolerance level. Investment ISA (Cash or Stock) Usually for the people with low risk attitude and low risk tolerance level. Investment Account Very beneficial for the rich and high risk taker individuals, could entertain medium risk taker to some extent. Share dealing Account Good for high risk taker and people with high risk tolerance too, as dealing in shares is a risky option always.
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Products Suitable/Risk Attitude Mortgage Mostly not considered as investment by many individuals but real estate investor take advantage of it by taking multiple mortgage loans and then renting out those properties. Equally suitable for ordinary individuals and real estate companies. Medium to low risk taker companies take it and the people with reasonable income. Suitability/Risk Attitude National Savings & Investments Premium Bonds Suitable for low to medium risk taker and tolerance level as return is reasonable. Could be attractive to high risk taker as chance of winning a huge lottery in there with each pound invested. Direct Saver Good for the low risk taker people as principal is safe and return is relatively low but guaranteed. Investment Account and Income bonds Again suitable for low and medium risk attitude people as return is relatively better than Direct saver.
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General questions to Answer Investing money- how much do you have to invest? Are you finding to invest a lump sum or to pay regular monthly amounts? The investment should be long term or short term? And how much money do you have currently? Certain assets need a large amount of money for example cooperate bonds or when you're seeking to buy a property. Others offer more options like either go for lump sum or regular payments such as Cash ISAs or Stocks and shares ISA. Some investments require lesser financial requirements. Whether you decide to make a one-off or a running saving account is a good starter. How long do you want to invest money for? Or let's say when do you want the outcome? Certain investment instruments run on a specified time period so if you have a certain date in your mind then some investment options might not suit you. What are you planning to use the money for? Every individual has their own reasons for saving and the amount of risk you take determines your purpose of investment in the first place. Short term purpose has lesser risks but lesser returns whereas long term purpose has more risk but higher returns. Do you need an income from your investment? If you expect a regular income from your investment then products available for you include annuities and cooperate bond funds which provide regular income options.
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