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You are here: Home / Investment and wealth management / Saving in a volatile market

Saving in a volatile market

Saving in a volatile market with short to medium term investment plans

Whether you are investing in commodity funds, hedge funds or green funds, markets can be erratic. The graph below shows the advantages of saving a regular fixed sum in a volatile market over the short to medium term. This comparison shows the value of two unit holdings over a 10 year investment term.

chart_uca

At first glance, Situation ‘A’ appears to provide better fund performance over Situation ‘B’. However on closer inspection the benefits of unit price fluctuation become clear.

Under normal market conditions the stock market will always deliver fluctuating returns. As the market weakens, the investor is able to purchase more units for the same €1,000 premium contribution. These additional units thereafter accrue in value as the market swings upwards, much to the benefit of the portfolio.

The example demonstrates the advantages of saving in a fluctuating market in a 10 year savings plan; the investment return is greater for Situation ‘B’ despite the unit price being lower at the end of the investment term than that of Situation ‘A’.

chart-new-cue

If you would like advice on which pension plan is most suitable for you please go to Financial health-check

Once you have submitted the form to us, a financial consultant will contact you to discuss your specific retirement needs

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About AXIS

AXIS Financial Consultants are a team of Overseas Pensions experts helping expats make the best financial decisions about their retirement.

Important notice

The contents of this website are for educational and information purposes only. No part of this website is to be considered as an offer, inducement or recommendation to invest.

AXIS Financial Consultants are a fully authorised “Courtier d’Assurance” in France, ORIAS reg. no. 17 003 701

They are also authorised to act as a “Financial Investment Advisor “, referenced under the number E009199 by the association ANACOFI-CIF and approved by the Financial Markets Authority in France.

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