If you've built up a large amount of money or have excess cash at the end of every month, the question you might ask yourself is, should I keep the cash or invest it?
- Keeping your cash is a secure choice but inflation may make your money worth less over time.
- When investing, you're using your funds to potentially earn more. Unlike savings, there's no guarantee you will get back your initial investment or a guaranteed return. You may initially suffer a loss. All investments include an element of risk, so it is essential to weigh the risk against the benefits.
You might be interested in investing for different reasons - growing your money, staying ahead of inflation, or securing a larger inheritance for your children. Here’s a quick guide to see whether investing could be right for you.
Investing could be right for you if you're:
- Looking for higher returns than a savings account
- Able to cover any emergencies with cash savings
- Willing to take on some level of risk for a potential reward
- Happy to keep your money locked away in investments for a certain period of time
- Aware of how much risk you're comfortable taking
More products and information
Global experts' advice to help you capture global investment opportunities and mitigate investment risks to meet your diversified investment and wealth management needs. Our investment products include: Structured products, Dual Currency Investment and Enhanced Yield Investment, Overseas Investment Plan, and Local Unit Trust and Hong Kong Mutual Recognition of Funds.
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Frequently asked questions
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When should I start financial planning for my future? How should I approach financial planning?
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Although the above information is carefully written, the bank does not warrant, state or guarantee the accuracy or completeness of the above information. The above information is not and should not be regarded as an offer or purchase invitation for any financial product, nor should it be viewed as an investment proposal.