I’m new to investing – where do I start?

We hear you. Investing can feel daunting.

At its simplest, investing means buying investments with the money you don’t need now, so those investments can potentially earn money for you. The idea is that over the longer term – in five, ten, twenty years – this invested money may grow more than if you keep it in a savings account. However this isn’t guaranteed. 

All investments have risks. When you begin investing, it’s important to consider how much risk you are comfortable to take. There are investments – from safe to speculative – to suit everyone. You can make your own mix or choose from our ‘ready-made’ investment options.

• Say you’re a person whose income fluctuates wildly, with all this risk in your career, you might choose low-risk bond investments with a low but predictable return because you want your hard-won money to be less at risk. 
• If you’re in a career with a reliable payday, you might choose mainly low-risk options but enjoy putting some of your money into, say, tech company start-ups, because you’re comfortable with risking some loss for the chance of backing the next tech start up 

The more you learn about different investments, the more you’ll be able to work out what’s right for you.

Money you save into your pension is usually invested. During your working years, your payments are typically invested in products intended to grow your money. When you retire, the aim is to hopefully have more money waiting for you than you’ve paid in. Start as early as you can.

The financial industry is one carefully regulated by law. Financial professionals research and monitor investments aiming to find what they believe are good businesses, projects and assets for you to invest in.

Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 8 May 2024. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results. 

Date of first use: 1 July 2024

Doc ID: 3566281

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