How to plan your investing strategy

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Most of the world’s major stock markets are at or close to their all-time highs, but that is not necessarily a reason to stop investing. 

Inevitably, the flow of “…hits new high” headlines has prompted questions about the wisdom of investing in share markets now. Neither of the obvious alternatives of cash deposits or fixed interest securities are particularly attractive, given current ultra-low interest rates.

Investment planning and asset allocation is a process that can be influenced by the perception of the market cycle.  But in truth, none of us know where we are in the market cycle with absolute certainty, so investment decisions should be influenced by other factors;

  • Your goals and timeframe
  • The level of risk you are prepared to accept – i.e. your attitude to risk
  • The level of capital loss your finances can absorb – i.e. your capacity for loss

Our Investment Planning and Asset Allocation guide gives you some great pointers for thinking about how to invest.

Investment planning and asset allocation

The value of your investment and the income from it can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.  

Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

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