Investing over the longer term

Investing for the longer term is important with stocks and shares as the stock markets can vary on a daily basis. You should approach every investment with a long-term view of at least 5 years and carefully select funds.

The document below has been put together to broaden your understanding of investments, the nature of the stock market and highlight the importance of long-term investing.

It aims to raise awareness that although there are risks associated with investing in the stock market, these risks can be reduced by holding shares for a relatively long period of time, i.e. five years or more.

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As one of the UK's leading banks we offer a wide variety of investment products which invest in a range of funds with different levels of risks to suit your attitudes and goals.

The Importance of Regular Investing

A great way to build up your investment is to set up a regular payment. Regular monthly payments can help smooth out the ups and downs of the stock market and you may not miss a small monthly outgoing as much as a larger lump sum.

The most important things to remember are:

• Keep a diversified portfolio; choose your funds carefully
  according to your attitude to risk
• Keep focused on the long-term. Investments are for the long-term and you should invest for a minimum of 5 years making sure you have enough savings to meet your short-term needs.
• Don’t forget inflation; it eats away at the value of your investments.
• Be tolerant of short-term ups and downs; they are normal.