Choosing an investment that is suitable for you depends on your individual circumstances and objectives. The three key areas in determining the right investment for you are: the amount of time (time horizon) you would like to invest; your risk tolerance levels and amount of money you would like to invest.

Time horizon

The time one has to invest is key in determining the type of investment one can invest in. The longer one has to invest, the higher they expect the returns to be because invested money generates returns which are re-invested, resulting in even greater returns (compounding effect). Someone who wants to invest over the long term, say 3 years to save for his child’s education for example can afford to invest in longer term investments such as long term money market investments and investments in the equity markets, which generally provide capital growth opportunities over the long term. Someone who would like to save to pay for bills due in three months time for example would be more suited to a money market based, short term investment as opposed to an equity based investment which is more volatile.

Risk tolerance levels

The level of risk one is willing to take also determines the type of investment one can get into. A risk tolerant investor would be more suited to investing in stock market based investments and other investments such as commodities which have higher risk but at the same time have potential for generating higher returns. With investments, the greater the risk, the greater the potential returns and the lower the risk the lower the potential returns. It is therefore important for the investor to know his risk/return profile before selecting the type of investment to get into.

Amount of money available for investment

A person who has a relatively large amount of money, say $50 000 can afford to invest directly into their own private share portfolio or their own fixed money market investment. A smaller investor on the other hand, with say $250, who would not ordinarily be able to invest directly in their own portfolio can easily participate via the unit trusts route. One can invest in either the Datvest equity (stock market) based unit trusts or the money market based unit trusts with only $250 and $10 respectively, and be able to participate in the investment that best suits their individual needs. Invest Now If you would like to invest with us or would like financial advice, please contact us and an investments manager will be able to help you with all your investment needs.

Requirements for opening account are as follows

Individual Investors

  • Copy of identification document/s i.e. National I.D card, Passport or Driver’s license.
  • Marriage certificate (for joint accounts).
  • Proof of residence
  • 2 Passport Size photos

Financial

Reports

 

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