Savings & Investments

​​Start Saving Today: A Simple Path to Your Future Goals

Do you find yourself putting off your savings plans, waiting for the "right time"? Well, now is the perfect moment to start working towards a secure future. Whether it's for something special or long-term security, there’s no time like the present to begin.

 

Step 1: Set Clear Goals

The first step to successful saving is defining your goals. Take a moment to create a "wish list" of the things you want to save for. It could be:

• A new car

• The holiday of a lifetime

• A rainy-day fund

• Your children’s education

Once you’ve listed your goals, prioritize them in order of importance. Knowing what’s most important will help you stay focused.

 

Step 2: Do the Math

Now that you have your goals, it's time to calculate how much money you’ll need. Be realistic about the cost of each goal and how much time you must save. This will help you determine a budget that fits your current financial situation, considering any unexpected expenses that might arise.

 

Step 3: Create a Personalized Plan

The key to successful saving is consistency and planning. Once you know what you’re saving for and have a budget in mind, we can help tailor a savings plan that suits your needs and affordability.

You can choose the funds that best align with your goals and direct your regular payments into them. We recommend diversifying your investments to minimize risk — don’t put all your "eggs in one basket." With the right mix of shares and bonds, you can maximize growth potential while protecting your investments.

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Investments Maximize Your Money with Lump Sum Investment

Investing a lump sum can be a smart way to grow your wealth over time. With the right investment strategy, your money has the potential to grow significantly. We offer access to a range of funds, each with different levels of risk and return, allowing you to choose the option that best suits your goals.

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When you invest with us, your money can be placed in one or more of our carefully selected investment funds. These funds are designed to match your risk tolerance and offer growth opportunities over varying time periods.

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How Your Goals Shape Your Investment Choice

The type of investment you choose depends largely on your financial objectives. Are you looking to save over the short term, or are you thinking long-term? Understanding your goals helps guide your decision, ensuring that your investment aligns with your timeline and desired return.

No matter your financial goals, we’re here to help you navigate the world of investments and choose a strategy that works best for you. To determine the best investment for you we will provide a risk assessment so you can decide the best funds would suit you.

 

Lump Sum Investment and Risk Awareness

Investing a lump sum involves risk, and typically, higher potential returns come with greater risk. At Anchor Life & Pensions, we help you assess your risk tolerance through a Risk Profile Analysis, which guides you in selecting the right investment options. The funds you choose will impact your returns, and with a variety of funds and asset classes available, you can tailor your investment strategy to match your risk comfort and financial goals.

Fund options can range from high to low risk. 

• Cash: - money on deposit (e.g. cash in a bank).

• Bonds: - loans to companies or governments.

• Property: - bricks and mortar, property equities or REITs (Real Estate Investment Trusts).

• Equities: - investment in company shares.

• Alternatives: - includes commodities, e.g. gold, copper, water infrastructure and agriculture.

All investments are subject to rise and fall in the market. all funds can be changed if it is not performing as the client had foreseen based on past performance