The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
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How risky is investing?
“Everything comes with an element of risk when investing. But we’re focused on capital preservation as much as helping our clients grow their money. We have a framework in place that guides us in taking what we see as ‘good’ risks – those with a high probability of a positive outcome. More broadly, there’s always going to be ‘noise’ in markets impacting daily returns, but it’s the long game that really matters. If you’re willing to invest over several years, you’re more likely to reach your goals.”
Fahad Kamal, Chief Investment Officer, Coutts
What are the benefits of investing online?
“It’s quick and easy to set up, you can monitor your money 24/7 and our experts do all the actual investing for you. For DIY investors creating their own portfolios, it’s incredibly hard and time-consuming to get right. But our team takes all that pressure away from you.”
Nick Johnson, Investment Journey Lead
Where does my money go exactly?
“You choose one of five multi-asset funds, each with a different balance between stocks and bonds. We invest your money through what are known as ‘index tracker’ funds – baskets of assets which reflect different stock markets, such as the FTSE 100. We move your money between these trackers to where we see the best opportunities.”
Monique Wong, Head of Multi-Asset Portfolio Management
How do the funds invest responsibly?
“We do this through our investment selection, stewardship and exclusions and recognise that a broad range of financial and non-financial considerations may be relevant in making investment decisions.
We believe ESG factors have the potential, over time, to have a positive influence on investment portfolios and consider strong corporate governance practices and management of environmental and social risks as important drivers for the creation of long-term shareholder value. Our approach to responsible investing involves embedding it into how we manage our client portfolios and funds rather than offering one standalone responsible investing product.”
Karen Ermel, Head of Responsible Investing