Investing is a great way to achieve your long-term financial objectives and grow your savings. It’s also a strategy that can be accomplished with the help of professional advisers, who help you to keep in mind the need for primary protection and potential for growth against your current financial circumstances and comfort with the risk.

Investment funds pool your savings and those of https://highmark-funds.com other investors. A fund manager then buys securities, holds them, and sells them on your behalf. The majority of funds consist from a mix of assets, which helps to reduce risk associated with investing. However, some funds are more specialized than others, for example funds that focus on property or commodities. Multi-asset funds can hold an array of different asset classes, including shares and bonds.

Certain funds are targeted towards certain regions or sectors such as emerging markets or green investment. There are also funds that have a range of investment goals, for instance, targeting certain levels of growth or reducing unsystematic risk. Others have a more general focus, such as low-cost investing.

Your investment timeframe as well as your attitude to risk will determine the kind of unit trusts, OEICs, and investment trusts that you choose. For instance, investors who are younger are generally more comfortable taking risks that are higher and are likely to select funds with an increased proportion of equity. On the other hand, those nearing retirement or with family commitments may prefer to take less risk and opt for funds that have more bonds.