Life and pensions products are provided by Irish Life Assurance plc.
AIB Guide to Investing
Getting started (what you need to know):
1. Know your level of risk and return
When choosing investment options for your money, it’s important to establish what sort of investor you are - this is based on your appetite for risk and the potential return you wish to achieve. You can then choose the product or products that suit you best. We rate the potential levels of ups and downs (the volatility) and the return for each of our options on a scale linked to your investment profile.
Complete our simple questionnaire to find out what sort of investor you are.
2. Understand the benefit of time
It’s important to think about how long you wish to invest for, and whether you will need access to your funds during the term of the investment. Generally speaking, you need to give your investment time to achieve its growth potential. Certain investments such as shares can give the best long-term potential, but are also a high-risk (volatile) investment - they can go up and down in value. And, over short periods, they can rise and fall by large amounts. However, it’s important to remember that nothing is guaranteed with investments.
3. Spread your money
In addition to giving your investments plenty of time, you can reduce risk by investing your money across a number of options. AIB has a broad range of options available, from deposit accounts to capital protected tracker bonds.
4. Expect the unexpected
It’s important to view your investment as a long-term growth opportunity for your funds, and to make sure you have access to money to cover your short or medium-term needs.