Currently, interest rates on savings are around, or even below, zero percent. That makes what to do with your savings a burning question. If you want to make a return on your money, there’s no alternative to considering how to invest with other options.
Investing, if you do it wisely, can lead in the long run to attractive returns. There are a number of guidelines that will help you to be successful, as well as potential pitfalls to avoid. It’s crucial to understand the inherent risks and to mitigate them.
Individual investors typically invest in one of the four following asset classes, beyond cash. Each of them has its own risk and return profile, and its own place in an investor’s portfolio. Click on the following buttons in order to find out more about how to invest in each asset class:
In order to create a balanced portfolio, we recommend combining different asset classes. Normally, they fluctuate in value independently of each other, which will help to reduce your portfolio’s volatility or risk. Your appetite for risk and return should determine how you mix the different asset classes. If you are seeking higher returns and are willing to accept higher risk, you should consider allocating a larger part of your portfolio to equities and real estate. However, if you want to dial down risk, you could invest more in bonds. Select your preferred risk profile from the menu below and see what asset allocation could go with it.
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*By clicking the link to each Example Investment you are guided to a VanEck product that invests in the asset class selected. For Commodities and Real Estate it shall be noted that the VanEck products are not directly invested in real estate/commodities, but via real estate/gold miners stocks.
This information is intended only to provide general and preliminary information to investors and shall not be construed as investment, legal or tax advice. For questions regarding investing or trading please contact your advisor, brokerage or bank. Please contact your tax advisor before making an investment.