Life's Ambitions.
Hit by Low Returns.
Time to change.

We all have ambitions in life, whether it's paying for your children's education, supporting a more comfortable lifestyle or enjoying that longer retirement. Yet with interest rates today at a record low, traditional investments like cash government bonds may not deliver the long-term returns you need. So it may be time to look for a new approach — and tap into a broader mix of investments than ever before. Isn't it time to be an investor again?

What are other investors thinking? Read our latest Investor Horizons survey >

All financial investments involve an element of risk to both income and capital. Moving out of cash and safe haven investments in search of higher returns will involve accepting a greater risk of capital loss.

Select the questions that resonate the most with you to get further information
on products and investment strategies to discuss with your financial adviser.

Alternatively, see all information available now >

BlackRock has not considered the suitability of investment against your individual needs and risk tolerance.

I want my investments to be safe. Isn't cash the best option?

I'm approaching retirement. How do I find income?

I'm not getting enough income from my investments. What can I do about it?

I don't want to outlive my savings. What can I do?

I keep hearing that I should be moving back into the stock market, but isn't it too volatile?

Why should I be worried about inflation?

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Below are some ideas based on your choice, feel free to share
this information with your adviser.

BlackRock has not considered the suitability of investment against your individual needs and risk tolerance.

Take Steps Out Of Cash

  • Why You May Need to
    Think Differently

    Cash is Not the Only Answer

    Cash can, and should, play an important role in a diversified portfolio to manage risk and to enable you to capture new investment opportunities. But over the long term, inflation may erode its purchasing power (i.e. what you can buy with your money), even at low rates, preventing you from achieving your long-term goals. Therefore, you may need to diversify by looking at other types of investments as well as consider investing small amounts regularly to lessen the effects of getting your timing wrong. You should be aware that moving out of cash and safe haven investments in search of higher returns will involve accepting a greater risk of capital loss.

    Read more about why cash is not the only answer >

  • So What Do I Do with
    My Money?

    Think About Investing in Bond
    Strategies as a First Step

    If you are cautious and want to manage the risks you are taking, you should speak to your financial adviser about bond investments, which have historically offered a greater stability of returns than the stock market. Expand your search into bond investments which can generate returns across the fixed income markets. You should be aware that past performance is not a guide to future performance.


    Spread Your Money Across Different Types of Investments

    If you are willing to take on more risk, but are unsure how best to get back into the market, you could consider multi-asset funds, which can spread your risk by investing across a wide range of assets at home and abroad. When one investment goes down, another might be on the up, meaning you are not relying just on the performance of one company or one asset class.

  • BlackRock
    Can Help

    Talk To Your Adviser About Simple Ways
    to Take Steps Out of Cash

    There are no guarantees that investing in financial markets will provide an effective hedge against inflation. Diversification and asset allocation will not fully protect you from market risk. Exchange rate movements will affect the value of overseas investments. Under extreme market conditions, liquidity in bond markets may fall significantly without warning and it may not be possible for you to realise your investment.

  • Rethink the Cost of Cash

  • Questions for Your Financial Adviser

    • How much is the right amount to have in cash?

    • Is the current amount of risk I’m taking on in my investments appropriate for me and my goals?

    • With yields on gilts at historic lows, have I missed the boat?

  • Did You Know?

    77% of Brits currently save in cash or deposit accounts and 36% hold more in cash savings than 12 months ago.

    Source1: BlackRock Investor Horizons Survey, September 2012

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Meet Your Income Needs

  • Why You May Need to
    Think Differently

    Expand the Search for Income

    Income is critical in retirement. But it can also be a powerful tool while you’re still working. Unfortunately, in today’s market, it’s harder than ever to find the income you need. With the income generated from cash and many government bonds being near historic lows, investors may need to diversify their sources of income. We remind investors that past performance is not necessarily a guide to future performance and moving out of cash and safe haven investments in search of higher returns will involve accepting a greater risk of loss to both income and capital.

    Read more about
    searching for income >

  • So What Do I Do with
    My Money?

    Think Differently About Bonds

    With yields on government bonds at historic lows, we believe investors may need to consider a wider range of bond solutions. Work with your adviser to find the right one for you.


    Consider Equity Income Investing

    Our equity income funds typically invest in high quality companies which can reliably pay and grow their dividends. Such funds can allow investors to draw an income when they need it, or to reinvest that income to build their wealth over time.


    Diversify Your Sources of
    Income as Broadly as Possible

    Investors might want to consider multi-asset income funds which look across asset classes, geographies and sectors, unearthing the best — and the broadest possible range — of income-generating opportunities at home and abroad.

  • BlackRock
    Can Help

    Talk to Your Adviser About Simple Ways to Take Steps Out of Cash

    Exchange rate movements will affect the value of overseas investments. Diversification and asset allocation will not fully protect you from market risk. Under extreme market conditions, liquidity in bond markets may fall significantly without warning and it may not be possible for you to realise your investment. Investors in our income funds should understand that capital growth is not necessarily a priority.

  • Get Income Early and Often

  • Questions for Your Financial Adviser

    • Why do I need to think about investing for income?

    • How much do I need to invest today to get the income I want in retirement?

    • How do I find the income I need today and the growth I need for tomorrow?

  • Did You Know?

    43% of Brits are not confident that they will achieve the annual income they wish to have in retirement.

    Source1: BlackRock Investor Horizons Survey, September 2012

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Grow Your Long Term Wealth

  • Why You May Need to
    Think Differently

    Consider a Long Term Approach
    to Investing

    These days, we’re all living longer, healthier lives. It’s undoubtedly a blessing, but it is an expensive one. In these uncertain times, people are wary of increasing their exposure to the higher growth, higher risk investments that could help deliver the lifestyle they aspire to in later years. But there is the danger that they could outlive their savings. It is impossible to choose the exact best time to invest as markets can move quickly in either direction. Therefore, we believe it is important to invest regularly and often for the long term and also to stay invested, rather than trying to predict when to come in and out.

    Read more about growing
    your long term wealth >

  • So What Do I Do with
    My Money?

    Spread Your Investments Across
    Different Assets

    If you feel comfortable taking more risk and are happy to take some exposure to the equity market, but still keen to minimise the ups and downs of the market, then you could consider a fund which invests across a number of asset classes.


    Capture Growth Opportunities
    In Today’s World

    If you feel confident enough to take on stock market risk, then you should speak to your adviser about adopting a broader, more diversified range of equity strategies, across developed and emerging markets.

  • BlackRock
    Can Help

    Talk to Your Adviser About Simple
    Ways to Grow Your Long-Term Wealth

    All financial investments involve an element of risk to both income and capital. Exchange rate movements will affect the value of overseas investments. Emerging market and smaller companies investments are often associated with greater investment risk. Diversification and asset allocation will not fully protect you from market risk.

  • Questions for Your Financial Adviser

    • How much of my investments should be in the stock market?

    • I don’t want to outlive my savings, but what I can do?

    • Where are the opportunities to invest in today’s market?

  • Did You Know?

    Investing for the long term has been put on the back burner with 38% of Brits stating they prefer to invest for the short term (one to three years time).

    Source1: BlackRock Investor Horizons Survey, September 2012

  • Make Your Money Work Harder and Longer

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