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Lump Sump and Monthly Add-On Investment Options

  • 13-06-2024 1:13am
    Registered Users Posts: 55 ✭✭

    Hi All,

    Looking to invest 35K lump sump and also 2K per month. Term 1-3 years. Medium-High risk. Considering Zurich's investment plans. Any recommendations on which particular Zurich plans?

    Any feedback on Zurich's Indexed TopTech 100?

    Any recommendations other than Zurich?

    Really appreciate your guidance 🙌


  • Moderators, Category Moderators, Arts Moderators, Business & Finance Moderators, Entertainment Moderators, Society & Culture Moderators Posts: 18,305 CMod ✭✭✭✭Nody

    Your investment horizon is not really suitable for the stock markets; that's recommended only at 5+ year saving horizon. If you need the money back in 1 - 3 years it sounds like not an investment money but more down payment money or similar which would be bond/bank account territory instead because the volatility means you could lose a significant chunk short term (Nvidia, Apple etc.).

  • Registered Users Posts: 10 Dogsdodogsstuff

    what other savings have you got ? Emergency fund ?

    What is the money for in 3 years ?

    Can you afford the value to collapse , if not , why would you choose such a high volatile fund when geopolitical events , especially if Trump wins, look less then predictable over the coming years ?

    Are you saving into a pension aswell ?

    Have you maxed out your contributions ?

    Have you children/family and if so do you have protection in place if you lose your job and ability to provide income ?

    Why are you deciding not to get professional advice ?

    Perhaps you’ve already gotten advice and are testing the waters but be very careful if you are arbitrarily deciding on an investment decision without fully considering all the variables in your life.