Savings & Investments

HC FINANCIAL INVESTMENTS & SAVINGS

It’s always sensible to have some money on deposit where you can access it when you need it.

Making your way towards a longer term financial goal, such as an early retirement may be more easily and successfully achieved by investing your money over the long-term.

Just like saving money in a deposit account, you can start investing with a relatively small amount of money. You can also invest using a lump sum or a series of regular amounts. The big difference, however, is that the money is used to invest in funds that buy assets such as shares, properties, bonds or commodities. The values of these assets have the potential to grow at a faster rate than inflation. So, the value of your investment has the opportunity to achieve significant growth and generate a higher return for you in the long-term.


Please note with investments, your money can rise and fall in value and you may get back less than you invested.


Talk to one of our advisors today on 091 788000, or email: admin@hcgroup.ie

Savings & Investments

 

HC FINANCIAL PORTFOLIO RANGE

At HC Financial we have access to  a suite of diversified multi asset portfolios that operate across the risk spectrum.

The one certainty in the world today, is that very little is certain. Anything can happen and increasingly seems to be happening. This adds an extra layer of challenge to the risk management of your investments. Risk is a core element of investing. It cannot, and should not, be removed completely. But, it can be managed.

Our portfolio range employs a number of robust risk management strategies which have contributed to its successful performance track record to date. By combining these strategies with other carefully selected practices, we’re confident that they will serve you, our valued customer, more effectively, providing you with reassurance and peace of mind.

We believe that a carefully designed, well-constructed and well managed range of risk-rated portfolios offer a suitable investment option for the vast majority of our clients.

Our range is made up of seven risk-rated portfolios, ranging from the lower risk Cautious portfolio, where a large proportion of the fund is invested in cash and bonds, to the higher risk Very Adventurous portfolio, where there is a much larger investment in equities.

As a HC client, together we’ll review your attitude to, and capacity for, risk and depending on your answers you will have a rating between 1 and 7. Each of our portfolios are suitable for a specific rating and we’re confident there will be a suitable investment option for you.

Our portfolios are provided by Irish Life Assurance plc and are managed by Irish Life Investment Managers (ILIM). They are regularly reviewed and rebalanced on a quarterly basis back to their strategic asset allocation. For example, the Conservative portfolio will be managed to a risk rating of IL3. This innovative quarterly rebalancing gives you great comfort as each quarter it ensures that your investment remains at the risk profile you selected at the outset.

A choice of portfolios to suit your needs

Click here to view the HC Portfolio Range Brochure