Lump Sum Investments

Lump Sum Investments

If you’ve acquired a lump sum, through savings, inheritance, or redundancy, there are lots of lump sum investments available to you. You can place it on deposit, in a post office bond or invest directly in shares. You can also decide to grow this lump sum, by placing it in an investment bond.

Lump Sum Investments

Investment Bonds are an alternative to bank deposits, direct share investment or post office bonds and offer a range of funds to suit your risk appetite, your asset interest type and your investment time frame.

The funds that you decide to select for investment will have a big impact on the kind of return you can expect. There are many different funds to choose from, and a variety of asset classes to consider.

A financial broker like One Quote can help you choose the most appropriate investment bond and funds to invest in, but we also minimise the associated costs.

Investment Fund Costs

  1. 1% Government levy.
  2. Allocation investment charge.
  3. Annual fund management charge.

 
One Quote Financial Brokers cover the Government levy and contribution charge meaning 100% of your money gets invested from day one!

The annual fund management charge will then depend on your chosen Investment Bond, the chosen funds and the size of your investment but is generally kept between 0.75% – 1.00%.

Funds & Asset Classes

There are five main types of investment: cash, bonds, equities, property and alternatives. These are called asset classes and it is important to understand which assets the fund you choose invests in.

Benefits of investing in funds

There are several benefits to investing in funds, rather than choosing individual assets or investments:
 

  • The fund manager picks the investments within the fund for you.
  • Less administration as the fund manager does it all for you.
  • Can be cheaper than buying investments individually.
  • More choice and, as part of a group of investors, access to a wider range of investment opportunities.
  • You have more control over the risk and return.
  • You can outperform deposit rates and government bonds.
  • You can spread your risk across, asset types, industries, and geographies.

 

Contact Us

If you would like to discover more about the benefits of Fund based lump sum investment and how you can benefit from such a plan, please contact: Ken O’Gorman – QFA on: 01 845 0049.
 

About Us Our Blog Reviews Insurers Jargon Buster Contact Us