Investment Bond

Once you know what you want the money for, you'll find it easier to choose how long to invest for.

• Want to buy a house? You could save between now and five years and potentially end up with a sizeable lump sum towards your new home.
• Want to send your child to university, help them get on the property ladder or have a little something for yourself? Consider investing a lump sum or invest every month to give your money the potential of sizeable capital growth over the medium to long-term.

You'll feel more committed to your investments once you know what you want to spend your money on in the future.

Savings are where most people start, putting any spare cash to one side to build up a short-term safety fund in case of emergency. This money is often held in deposit accounts in banks. If you’re saving to meet bigger long-term investment goals a monthly savings plan or  lump sum investment plan with a life company, such as Aviva, may give your money the growth potential it needs to help meet your goals.

The Cambridge Dictionary describes risk as “the possibility of something bad happening”. It’s a definition that we’re familiar with in day-to-day life. Indeed, most of us try to avoid risk where we can – things like wearing a helmet to ride a bike or checking for traffic before crossing the road.

But when we talk about risk in the context of investing, it’s not necessarily something you can avoid.

As with many things in life, the more risk you take, the bigger your potential reward and loss. Likewise, the less risk you take, the smaller your potential reward and loss. But all investments involve risk, even the lowest risk investment cash, is not risk free. Ups and downs are a natural part of investing but when the graphs get spikey are you likely to stay composed or get nervous? Understanding how you feel about risk will help you select the right investment option with your Financial Broker. You’ll also need to weigh this up with your investment timeframe and your investment goals. 

You can also use our Investment Suitability tool to see what kind of investor you are.

Investing can take up as much or as little of your time as you’d like. You can work with your Financial Broker to decide if you want our investment experts to manage your investment portfolio or if you want more control, choosing and managing your own portfolio with the help of your Financial Broker.