Whether you are saving a little from income each month or investing a lump sum, there are several important points you should consider before you invest your money.

  1. Does the term of the investment match your own investment term. i.e. don’t invest if the investment is for 10 years and you may need the money next week.
  2. How much risk is there to your capital? No investment is completely risk free, make sure you or your adviser explain these to you clearly before you invest. Are you comfortable taking these risks?
  3. No matter how exciting an investment looks, make sure you know what the terms and conditions are for getting your money back earlier than planned. After all, life can change very quickly, especially for expatriates and better investments opportunities may present themselves in the future.