Why follow these
four principles?

On the heels of the digital revolution and globalisation, the world of investment has experienced a dramatic change. It has become much simpler and faster to invest, but the global stock market has become extremely complex.

Ensuring you have the right support and information is more crucial than ever if you want to invest in the stock market.

Invest in shares while respecting your profile

The stock market has stood the test of time and is unrivalled. In the face of successive crises, the stock market has proven to be the most profitable long-term investment*. Rather than wait for the ‘right time’, drawing up a regular investment plan and sticking to it, even when times are tough, is a simple and effective strategy for buying shares. Stock Exchange can be very risky at short term, it is recommended to ensure a good diversification in the different asset classes. An allocation between stocks and bonds can be associated with each generic risk profile. 30/70 for a conservative profile, 60/40 for a balanced profile, 80/20 for a growth profile and 100/0 for an high growth profile.

Find out more about TreeTop funds

© 2018 Elroy Dimson, Paul Marsh and Mike Staunton

(1) Source: Credit Suisse Global Investment Returns Yearbook 2018, Elroy Dimson, Paul Marsh and Mike Staunton, Triumph of the Optimists: 101 Years of Global Investment Returns, Princeton University Press, 2002.
* Past performance is no guarantee of future performance.

Diversify your investment portfolio

Since growth differs from region to region, a global approach is needed. Broadening the range of your investments across all world markets and over different economic sectors is the key to tapping into global wealth as it develops, thus spreading the sources of return and the risks. Therein lie the advantages of global equity funds.

Choose simple solutions which match your profile

Ask yourself if you’re a new or an experienced investor. What risks are you willing to take? What are your reasons for investing? Over what period of time? The answers to these questions are key to determining which type of investment best meets your needs. An emerging pattern is one where those new to investment are increasingly opting for index funds, while more experienced investors are spreading their money between index funds and actively managed funds.

Learn more about index funds

Consider all the costs

Many people tend to overlook them, but between the entry costs, custodian fees and fund management fees, you may find a large chunk has been taken out of your medium- and long-term returns. Over a period of 20 years, you could well wave goodbye to as much as 40% of your return in fees. It is therefore essential that you keep a close eye on all the costs involved.

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