Investing your savings

How you choose to invest your savings depends on your risk appetite.
By DBS on herworld magazine October 2000

Your risk appetite
What do you need to know about investing ? the relationship between risk and returns.
Risk, in investment terms, means volatility. There is a chance that you may not get the outcome you want. And yes, the cliché “the higher the returns, the higher the risk” is true.
While we invest to get better returns on hard-earned savings, our appetite for risk or fluctuations will determine how our money should be invested. What’s the use of higher returns if we cannot survive the anxiety ?.
Fortunately, there are investment products designed to suit you, no matter what your risk appetite. Whether you prefer safe and secure, or potential higher returns with some associated risk – the choice is yours.

Two approaches to investing.
1. direct includes fixed deposits, shares, bond etc.
2. managed include unit trust, insurance polices, investment—linked plans, etc.

with each of these approaches you can find low, medium and higher risk investments. It is important that you select investments that match your risk profile.
A combination of different investment product can span the full range of risk profiles to optimese potential giants. Before you start, consider your choice carefully.

Before you start investing, speak with an investment planner who can help you understand your risk profile and match to the right product.

For detail information you can visit at


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