Investment choices

Lowe, Jonquil (2010). Investment choices. In: Mazzucato, Mariana; Lowe, Jonquil; Shipman, Alan and Trigg, Andrew eds. Personal Investment: financial planning in an uncertain world. Basingstoke: Palgrave Macmillan, pp. 67–111.



Having identified a need to save or invest, private investors have a wide range of assets and products to choose from. There are many different types of savings and investment product, with a variety of different features. Some offer income, some capital gain, others both; some have guarantees, some do not; charges may be explicit or subsumed into the interest rate offered; and tax treatment may vary. But whatever the make-up of the product, the attributes come down to three basic features that can be characterised by the questions:

How much will the return be?
When will the return be paid?
What is the risk that the amount or timing of the return might not turn out as expected?

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