^{Building Wealth} Diversifying your investments

A diverse selection of funds across various asset classes can help optimise your potential return. Each asset class has different risks associated with it and the investment term is required to make the most of your money. In short, your potential return depends on the asset class selected.

Investment products are generally segmented into three major asset classes:

• Public Equities: The public equities market consists of the publicly traded stocks of large corporations. Public equities offer the prospect of higher returns than either cash or fixed income, although with correspondingly higher risk and volatility.
• Fixed Income: Fixed income consists of bonds and other fixed-return debt instruments issued by a wide range of institutions, including national and local governments, quasi-governmental bodies and public and private corporations. Fixed income is one of the safer, more conservative investment opportunities and serves as a core holding for many investors.
• Alternatives: Alternative investments encompass a wide range of products, including hedge funds, real estate, commodities and private equity. They often offer greater opportunities to achieve substantial returns for higher risk; more importantly, they are favoured mainly because their returns have a low correlation with those of standard asset classes, which lowers the portfolio’s overall risk.

Investments for the future

Building your savings towards a secure future is important for everyone. It's all about saving consistently and wisely, and the earlier you start, the better. Investing ensures that future goals, including children's education, healthcare, travel plans and retirement are taken care of.

Disclaimer

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This webpage is for information and illustrative purposes only and does not constitute any form of advice, commitment or engagement on behalf of the Abu Dhabi Commercial Bank and any of its subsidiaries including ADCB Asset Management Limited ("ADCB Group"). It should not be construed as an offer or solicitation to buy or sell any investment products, nor is it to be considered as personalized investment advice. It should be read in conjunction with applicable documents and respective terms and conditions for potential investor to understand the terms and information contained therein. Persons receiving this email are instructed to discuss it with their professional legal, financial and tax advisors before they make any financial commitments and shall be deemed to have made a reasonable assessment of the potential risks and rewards in making such a commitment. ADCB Group does not guarantee any third party service provider, and investors invest at their own risk and bear all risks involved in any product purchased. ADCB Group will not hold any responsibility for the outcome of any investment decisions taken. Past performance does not guarantee future results. Investment products are not Bank deposits and are not guaranteed by the ADCB Group, they are subject to investment risks, including possible loss of the principal amount invested. Please refer to ADCB Wealth Services Terms and Conditions and/or to ADCB Asset Management Limited Terms and Conditions.