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Capital protection and growth in one investment?

photopin jump naviglio newsl spect largeInvesting with confidence is something many of us find difficult to accomplish.

Bad news sells, and the economic environment and uncertainty we hear around us and in the media, can combine to make us risk-averse, unwilling to invest and shy of putting our savings into a new investment.

However without investment, without some risk, your wealth cannot grow, and is in fact more likely to go backwards, as inflation or the average prices of goods and services all around us, continues to rise. For example, your bank may pay you 0.5% per annum interest and inflation may be running at 1% per annum. You are losing 0.5% per annum!

It’s why many of us stay invested in cash or one or two properties. It’s why many banks direct you to investing in government bonds or BTP’s (Italian government treasury bonds). There is a belief or expectation that the risk is low, but a regular income can be gained and that there is some protection or guarantee that we won’t lose our money. We need to be aware that the price or value of BTP’s on the market often fluctuates, and there is no capital guarantee. These investments rely on government liquidity, the balancing of the government’s budget, and their commitments to honor that debt to us, the debt-holders.

What if you could invest in the market (funds and shares) and yet still have some capital protection to know your money would be safe and would be returned to you later?

One such investment type is a structured product. They consist of a capital-protected portion (of up to 100% protection) plus the opportunity to share the growth earned along the way with the provider of the investment, usually over a fixed time period.

Some such products can be complex, but there are now more products in the European market that are relatively simple to understand and use, and which provide some level of capital protection. They might also provide a better result than the usual cash-like capital protected products you find in Italy provided by some large local insurance companies.

For more information about capital protection and a specific opportunity in such an investment today, contact me by email or by phone on the number below.

Please note the above is not specific financial advice but prepared for information purposes. We recommend you obtain tailored financial advice (request it now) by consulting with your financial adviser about what is appropriate for you and your own situation.

With kind regards,

Daniel Shillito, daniel.shillito@spectrum-ifa.com or phone +39 3455678 414.

photo credit: venice via photopin (license)

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The Spectrum Group is regulated by the French regulator ORIAS - responsible for Insurance Intermediaries in Banking and Finance.
Spectrum operates a branch location in Italy, and is registered with Italian regulator IVASS (Istituto per la Vigilanza sulle Assicurazioni)
TSG Insurance Services (Rome branch)Via Livorno, 45, piano I, interno 3, Roma. TSG Insurance Services S.A.R.L.
Siège Social (Headquarters) : 34 Bd des Italiens, 75009 Paris. R.C.S. Paris B 447 609 108 (2003B04384)« Société de Courtage d’assurances »« Intermédiaire en opération de Banque et Services de Paiement » Numéro d’immatriculation 07 025 332 – www.orias.fr « Conseiller en investissements financiers », référencé sous le numéro E002440 par ANACOFI-CIF, association agréée par l’Autorité des Marchés Financiers »