Investing essentials: The different asset classes

Think of investing, and people tend to think of shares. But there’s a whole range of different asset classes that you can invest your money in. Indeed, there are several different categories of shares. In the first in an occasional series exploring the basics of investing, we’re going to take a look at the main options open to you.

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Don’t just focus on money when planning for retirement

There are few prospects more frightening than running out of money in later life. That’s why it’s so important to start investing early, to put enough money away, diversify your investments, control your costs and manage your behaviour.

But it’s a grave mistake to think that investing for retirement is all about money….

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Complexity adds to cost and risk

One of the biggest attractions of having a broadly passive investment strategy is the simplicity of it. You don’t have to speculate on particular sectors or regions, or constantly monitor how your portfolio is performing. The long-term market return is more than adequate to meet the need of most investors, and by simply aiming to capture that return at very low cost, you are giving yourself every chance of a successful outcome.

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