Equities make losses even in good years

If you invest without capital security (capital at risk) you have to be prepared for a decline in value and losses -in the short term - as these funds do not have any capital security.

However, being both prepared and willing to experience this volatility, which comes with investing into ‘growth-assets’, is expected to generate a better return over the longer-term.

The above graph shows the annual calendar returns (grey bars) against the largest peak to trough decline within the calendar year (red dots).

For example, in 2013 the MSCI Europe Index delivered a circa 18.00% return gross, however, experienced a decline of circa - 12.00% that year.

Over 36 years the above market has delivered a positive return 28 times (circa 78.00% or outcomes).

Want to know more? We are available to discuss your options, and we look forward to hearing from you.

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WARNING: Past performance is not a reliable guide to future performance. WARNING: The value of your investment may go down as well as up. WARNING: You may lose some or all of the money you invest. WARNING: These funds may be affected by changes in currency exchange rates. WARNING: If you invest into this product you will have access until you retire (Pension Products). WARNING: The above content does not constitute investment advice, as it does not take into account the investment objectives, knowledge and experience of financial situation of any particular person. Prospective investors are advised to make their own assessment of the information contained herein and to obtain professional advice suitable to their own individual circumstances. WARNING: The information contained in this document is based on our understanding of current tax legislation and the current Revenue Commissioners interpretation thereof and is subject to change including retrospectively without notice. This is intended as a general guide only and is not a substitute for professional tax, legal and investment advice.