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| | | | | The vast majority of individual investors could probably manage most of their investment needs with just two key types of investment product, a contractual savings plan and a portfolio bond.
A contractual savings plan is usually the centrepiece of an individual's financial portfolio. It is basically a savings plan with a minimum investment period, that collects premiums from ones monthly income and invests those premiums in a range of investment funds, be they equity, fixed income, property or alternative investment funds. Once such a plan has been established, you can usually relax in the knowledge that your retirement needs will be catered for, and that should you need it, there will be access to emergency cash should you suffer a "Rainy Day".
A portfolio bond is a “wrapper” product within which you can hold a variety of different assets. This type of product can be used to hold virtually any type of asset, such as equity funds, bond funds, structured notes, FD's and hedge funds, as well as other cash instruments. If required, it can also be used to hold/trade equities or "Investment Notes” which are becoming very popular investment tools nowadays. |
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