Investments and Savings
With so much money currently sitting on deposit in Irish banks, now is the time to get your money working for you.
When it comes to investing there are many aspects to consider such as when you wish to access your funds, desired returns, attitude to risk, right up to fund choice and fee structure.
At DW Financial we offer a free consultation during which we will provide you with investment advice. If an investment is right for you, we will help you choose the best product to meet your needs.
We will put a plan in place that is tailored to your specific investment goals. Whether a short-term investment, an investment in a particular fund or investing in certain stocks and shares, we will find the right plan for you.
Using fund comparison tools and our knowledge of the investment markets we can advise you on the best investment options to get you up and running. But that’s not where our role finishes. As a client of DW Financial we will regularly monitor your investment’s performance. We will always be on hand to advise you if you would like to make any changes to your investment.
Our initial consultation can be in our offices in Naas, by video call or wherever suits you best. If the meeting is in our office, you can avail of free onsite parking.
To book your free consultation call us on 045 899049. For more information on risk profiles and various investment and savings plans continue reading below.
An Investment Bond is a single premium investment made with one of the various life companies that we hold agencies with. With an Investment Bond you can invest in a single fund or a range of funds. These funds are generally mutli asset funds which are comprised of equities, bonds, cash and other alternative investments such as gold and metals. Investment Bonds are a medium to long term investment.
Every day we take certain risks without even realising it, from crossing the road to driving our cars. Other risks are more considered, for example deciding to do a skydive or bungee jump. When it comes to investing, risk has a different meaning. The risk associated with investing could be better defined as your willingness to accept losses as well as gains. Some investors like to take more risk with a view to achieving a better return.
At DW Financial, while helping you plan for your investment, we will assess your risk profile by completing a fact find and a risk profile questionnaire. From the results of this questionnaire we will be able to see what your attitude to risk is.
There are two different risk categories to be considered.
1 – The first is how you assess risk
Low – A low risk investor wants to avoid large fluctuations in their investment value, they accept limited risk and accept that this will produce modest returns.
Medium – A medium risk investor is willing to accept significant fluctuations in their investment value especially over a short term. They accept risk in return for the potential of good returns over a longer term.
High – A high risk investor is willing to accept sharp or sudden changes in values. They accept risk at much higher levels with a view to achieving high returns.
2 – The second risk is how funds are classified.
This is done from assigning a rating of 1-7 from the ESMA (European Securities and Markets Authority) scale to a fund. A rating of 1 being the safest fund and a rating of 7 being the riskiest type of fund.
DW Financial will recommend some funds that match your risk profile. You can then choose some of these funds or another fund that you would like to invest in.
What DW Financial will do for you
Review your existing financial position.
Discuss your investment objectives.
Assess your risk profile with regard to investing.
Create a plan.
Set up the desired policy(or policies).
Regularly review their performance.
Meet you annually or bi-annually to review.
Book your free consultation.
This can be at your home, our office, by video call or a place that suits you.
The consultation will last about one hour.
We discuss your needs and requirements.
Set up any policies you require.
Regularly review your investment.
“Make the right investment choice“