Investment Options

Fixed-term deposits: these deposit accounts are typically for a set period of
time at a fixed rate of interest that would be generally higher than interest rates
offered for regular savings accounts. By saving your money in one of these
accounts you understand that you cannot access your money during the fixed
term. Deposit accounts are low in risk but on the flip side they tend to produce
low returns over the longer term.

• Investment funds: these vary by what the particular fund invests in – whether
it’s shares in top multinationals, large commercial properties, fixed interest
securities issued by Governments and large companies or deposits.
Some funds may invest in just one type of asset, for example, an Equity Fund
which only invests in shares in top multinationals. Other funds, referred to as
Managed or Mixed Funds, invest in a mix of shares, property and fixed interest
securities.

• Tracker bonds: these bonds typically lock up a lump sum for a term of about 
five years. At the end of the term you are usually guaranteed to get back at
least what you invested (or a high percentage of what you invested, such as
90%), together with a bonus related to the growth, if any, in one or more stock
markets or in the shares of certain large multinationals. If the particular stock
market or shares to which the bonus is linked, do not increase in value over
the term, there is no bonus payable at maturity and in this case you would get
back the guaranteed capital sum only, which would typically be the amount you
invested.

• Long term savings plans: these plans are available from a life insurance
company. They accumulate a capital sum over the longer term from regular
monthly savings. The recommended minimum term for plans like these is five
years and your savings are typically invested in the type of investment funds
outlined above.

Remember: Investment funds are subject to investment risk. Their value at any
time could fall below the amount you invested and are generally only suitable
for longer term investment, such as five years or more. The level of risk attached
to a particular investment fund will vary by what the fund invests in. To guide
you, funds are typically graded on a scale of 1-7 with 1 being the lowest risk and
7 being the highest risk.

Where You can find Bestrates.ie

We have offices in  
KILKENNY | CLONMEL CO.TIPPERARY | GALWAY

Clonmel

9 Sarsfield Street                    
Phone: +353 (052) 61 21471
email: Click Here

Kilkenny

5 Ormonde Road                     
Phone: +353 (056) 7756122
email: Click Here

Galway

200 Upper Salthill Road
Phone: +353 (091) 395232
email: Click Here

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