Saving & Investments
Need Investment Advice?
We can advise you on a wide range of investment products to help meet your needs, from long term savings plans, to lump sum investment products.
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.
What is your risk profile?
When investing, risk relates to the chance you might get back less than you invested. Like most things in life, no investment is without risk. However, you’ll have your own ideas about the risk you’re comfortable taking. It’s not just about how much risk you’re prepared to take, often known as ‘attitude to risk’. It’s about recognising how much you can afford to lose, usually referred to as ‘capacity for loss’. After all, you might be willing to take big risks, but would losing money leave you in financial difficulty? It’s important that you understand your capacity for loss and are comfortable with it before your Financial Broker can help you choose investments that match your circumstances.
Before Investing we will need to clarify what type of risk profile best suits your current situation and long term goals.
Below is an example of Investor Risk Profile
Call us on 091 788000
Email: admin@hcgroup.ie
Let us help you plan a better Financial Future
We are here to help you!
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
Save regularly to reach your goals
Having money on deposit is a good route to achieving a
short-term financial goal, such as having enough money for a holiday, a new car or for a rainy day.
It’s always sensible to have some money on deposit for an emergency. However, if you are saving for the long-term there are a few things you should consider if you’re looking for a better potential return.
Interest rates in Ireland are at an all time Low!
It’s a tough time for Irish savers as deposit rates are so low. It’s hard to see how they can fall further without giving negative rates. Many adults over-estimate what they’re actually getting – thinking they are getting greater than 2% returns.
Inflation can eat into your savings
Inflation reduces the power of your money, sometimes even without you realising it.
With interest rates at historic lows, returns on deposit accounts have struggled to keep pace with inflation.
With inflation rates having a negative impact on your money and deposit rates lower than 0.5% before tax, the value of your money in real terms is probably falling.
Call us on 091 788000
Email: admin@hcgroup.ie
Let us help you plan a better Financial Future
We are here to help you!