The Beginner’s Guide to Investing

That comfy retirement you’ve always dreamed of will require a sizeable nest egg, so it’s wise to start investing as early as possible.

Nobody can guarantee an investment will make money, of course. But over time, betting your money on stocks and bonds should fund the retirement lifestyle you’re aiming for.

And if you’re wondering how to get started, we are here to help.

Did you know that there’re institutions that exist almost solely for the purpose of giving people access to financial markets in a way that enables them to invest responsibly, and with advice from the experts?

Let’s say you’ve decided you want to invest $100 in the stock of Company A. That’s where brokers come in. A broker is a financial agent who executes trades for a client. Of course, the broker has to get paid, after all, there’s no such thing as a free lunch. Usually, there’s a small fee per trade, and sometimes a flat fee paid yearly.

An investor contacts his or her broker in order to buy or sell shares or bonds of a specific company. Sometimes the broker will try to buy at the lowest price possible or sell for the highest possible price. That depends on the type of order the investor requests. On buy or sell orders that do not request negotiation, the broker will transact at market price. 

Brokers can also advise the client on which securities to buy or sell, and when to do so. This is called a “full-service broker.” There are also “discount brokers,” which are usually online and cheaper than full-service ones. The new and online-only brokerage platforms cost next-to-nothing and are largely targeted towards younger, less wealthy investors.

Perhaps you don’t have the time or knowledge to choose your own investments

That’s where funds come in to the mix. Funds pool together money from lots of different investors. There are equity funds (those that buy stocks), fixed-income funds (those that buy bonds), and lots in between.

Mutual funds pool together money from tons of investors, for fund managers to actively manage. Those managers pick the securities they think will help them beat the market. In this scenario, the investor buys shares in a mutual fund, and the percentage of the fund an investor owns is the percentage of the gains he or she is entitled to.

For example, if investors pool together $100 into a fund, and investor A puts in $10 — he or she is entitled to 10% of the gains. Every fund charges each investor a fee that is a certain percentage of the total assets held by the fund (assets under management, or AUM). That rate is the same for every investor.

At NEBA Financial Solutions, we offers two types of Funds namely; the Asset Allocation Funds and the Risk-Rated Funds. NEBA will only promote UCITS Funds as they are the only Funds that meet our high standards.

What are UCITS Funds?

UCITS (Undertakings for Collective Investment in Transferable Securities) are investment funds regulated by the European Union. They are perceived as safe and well-regulated investments and are very popular in Europe, South America and Asia among investors who prefer not to invest in a single public limited company but rather among diversified unit trusts spread out within the European Union.

Types of NEBA UCITS Funds 

Asset Allocation Funds

Asset allocation funds are funds whose investment strategy is driven by broader decisions on the relative performance of different types of assets, such as property as opposed to shares.

Different type of assets are weighted differently on the basis of the portfolio manager’s assessment and the requirements of the investment policy. The investment fund’s allocation to different assets may vary by sector, country, region or other considerations.

Click here to view our Asset Allocation UCITS Funds 

Risk-Rated Funds

The Risk Rated funds will divide your capital investment into a range of building block UCITS Funds. The percentage of your capital suggested for each fund will be in line with your individual risk profile.

This family of funds can also be invested individually or you can use the recommended allocation to each Fund depending on your appetite for risk. For example, if you have a medium or balanced attitude to risk , you might select the Balanced or High Income funds, whereas if you have low risk tolerance, you might prefer to go for the Cautious fund.

Click here to view our Risk-Rated Portfolio Solutions 

To find out more information and to learn more about UCITS Funds and Structured Products, visit www.nebafinancialsolutions.com. 

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