The IQvestment investment platform offers a broad range of low-fee mutual funds, ETFs and Index Funds, designed to help you build wealth through a diversified range of investments. It’s very important to have several different types of investments to help protect yourself from risk and optimize the potential for long-term growth.
By getting to know you, your investing goals, timeline and risk appetite, IQvestment can build and implement a portfolio that is right for you.
By contributing regularly, you will be in the best position to build wealth over tim.
Below is quick background on some common investment types:
Mutual Funds – Mutual funds are groups of stocks, bonds or other securities. They are designed to provide investors with a balanced ‘basket’ of investments and are typically defined by the type of investments they include. For example, there are ‘Large-Cap’ funds which invest in some of the biggest, most enduring companies; ‘Balanced’ funds which invest in both stocks and bonds and are designed to provide some steady income from bond interest payments with growth potential from the stocks in the portfolio. Mutual funds may be either actively managed – meaning an investment manager decides what to buy and sell within the fund, and when – or may be exchange traded funds.
ETFs (Exchange Traded Funds) – ETFs are designed to match an index and are automatically invested, they offer the benefit of lower fees than traditional actively managed mutual funds.
Stocks – Stocks represent a share of ownership in a public company. They are traded on stock exchanges and may be subject to significant price movements. Some pay dividends, which are quarterly payments to shareholders, but not every stock pays a regular dividend, especially shares of smaller, growth companies. Individual stocks may be costly to invest in for smaller investors and are considered riskier than mutual funds or ETFs.
Bonds – Bonds are basically loans companies, governments and other entities take out by issuing notes to investors. They are designed to pay interest at regular intervals and principal (or the loan amount) at the point they mature. Every bond offering is unique and individual bonds are best suited to professional or sophisticated investors.
It is worth taking the time to gain greater understanding of investments and there are many resources available online.