COULD INVESTING MAKE YOUR DREAM YACHT A REALITY?

Whichever yacht you currently have, we’re willing to bet you have your eye on a bigger one. You’re probably setting money aside for your next major purchase, but with low interest rates and ever-increasing prices, saving can take years. The alternative, which offers higher growth potential but at a higher risk, is investing.

SHOULD YOU INVEST? If you’re already regularly saving, for example in a cash ISA, you may think you’re doing all you can to reach your goal.

Although storing money in a savings account may seem sensible, over the long term inflation can eat away at your savings. Investing your money over the long term can help to protect from this wealth erosion, as your investments can be positioned for growth.

HOW MUCH CAN YOU EXPECT YOUR INVESTMENTS TO GROW?

If you were to invest £20,000 today in the Click & Invest ‘measured’ strategy (their medium risk option) they estimate that it could grow to £24,166 in five years, at the expected growth rate*.

Of course, investments can go down as well as up. But there’s no instant-access savings account that can deliver close to that rate of return.

WHAT HAPPENS IF THE MARKET TAKES A DOWNTURN?

Novice investors sometimes start with tracker funds, which don’t require much skill or experience as they

simply follow a specific index. The downside is that when that index falls, so does the value of your investments.

When the markets resemble stormy seas, it pays to have an experienced captain at the helm.

Click & Invest offers active management, taking advantage of market movements and designing a strategy that will aim to protect your wealth during downturns, using our expert knowledge and market experience to help navigate tough markets. You can get an investment portfolio which has been built around you, managed by experienced investment managers. IS INVESTING TIME CONSUMING? If you’re worried that investing will cut into your time on the water, don’t be. With an actively managed portfolio, there’s a whole team behind you to monitor the markets and global economic outlook, and implement changes when necessary.

DO YOU NEED A LOT OF MONEY TO START INVESTING?

In the past investment was very costly, as you’d need to employ an independent financial advisor or wealth manager.

But now there are numerous online investment platforms that offer different levels of service with much lower fees.

We have an offer with Click & Invest so that you can pay no management fees for your first year, on investments up to £50,000. Terms and conditions apply; for more information see clickandinvest.com /yourclickisa

You’ll get a globally diversified portfolio managed by experienced investment professionals. Just enter this code when you open your account: CLICKISA13 Start investing at clickandinvest. com

The investment views contained within this article are those of Investec Click and Invest. All investment carries risk and it is important you fully understand these risks and are willing to accept them.