What do people generally want when investing their money, more monthly income returns or capital growth?

Answer 1

At the moment something that is 0.5% above the rate of inflation and keeps track with all the increases that are currently happening. (Yes I know I am dreaming)

Because if I go for capital growth over 10 yrs I do not really want 2 see a lose on my investment due to inflation devaluing the amount.

Answer 2

It really depends on what your needs are, especially your age and family obligations.

If you're young and single, and have 30+ years to invest, you will go for capital growth. You're looking at a very long term investments, so if you lose a little you won't be too worried because over the long term you could make a lot of money.

However, if you're older and on a fixed income, you want something stable. If you're retired, you can't just go out and find a new job if you're short on cash from one month to the next. So for an older person, you want monthly income returns to live on.

If you have kids, you'll probably somewhere in the middle. You want a long term investment, but also you want to play it a little bit on the safe side.

What most people do for mutual funds or pension plans, etc. is to incorporate a mixture of aggressive and safe investments. If you're more growth oriented, you could go 90% capital growth, and 10% bonds, and if you're older and retired, probably the opposite. And then there's everything in the middle. It comes down to your tolerance and how safe or agressive you want to go.

Answer 3

The truth is it depends upon the goals and objectives of the investor. Some younger people may be interested in capital growth while a retired person may be interested in income returns.

Answer 4

Capital growth, since most people invest for retirement.

Answer 5

because they only do what the banks and finance company's do if you invest your money you are leanding your money out the don't forget the tax man will be dipping into your interest unless tax free EG mini ISA then that is restricted the amount you can invest so the tax man will have his nose sniffing around in that case its the law that you get something back and quite right to

Answer 6

in case you want a go back more beneficial than what monetary company D/A grant, then your capital only isn't guaranteed. i imagine the suitable element you could do is to shop saving in a monetary company low-priced costs A/c and once you attain the income you want change to mutual money income variety, which will start up with decrease income yet ought to boost it each year.