Your investment options.

• Be informed
  • Shares
  When you purchase shares you’re buying a stake in a company. Shares are traded throughout the day on the stock exchange and the price can go up and down.
  • Pros: Capital gains
  If you choose your stocks and shares wisely they could rise in value over time. Shares have generally provided better returns than cash if you're investing for a longer term, although this isn't guaranteed.
  • Cons: Capital losses
  If you were to invest a company that isn't growing in value then the share price could drop. This can result in a loss of money to your investment.
  • Funds
    A fund is a collective investment which means your money is spread over a range of different markets, unlike a share when you own a slice of a company. Funds are managed by a professional Fund Manager who decides on where to invest your holdings. With funds you buy units which can either increase or reduce in price.
  • Pros: Diversification
  Funds spread their holdings across a number of different sectors, markets and stocks which can reduce the risk. If one holding performs poorly over a certain period, then you have a chance of other holdings performing better which can reduce the potential losses to your investment portfolio.
  • Cons: Liquidity
  A fund manager might need to sell holdings to pay investors who are withdrawing the fund. If the asset is difficult to sell like property then this can result in delays in receiving your money back.
  • Exchange Traded Funds (ETFs)
    Exchange Traded Funds trade on a stock exchange like shares. However, unlike shares which are focused on one company, ETFs track an index, commodity, sector or currency and invest in a range of assets with an aim of closely tracking the performance.
  • Pros: Lower fees
  Benefits of an ETF are its cost effectiveness. They offer lower fees than managed funds due to lower operating costs.
  • Cons: Performance
  ETFs track a market unlike funds which are actively managed and try to outperform the market. This can impact the performance. Please note: We trade or hold listed ETFs in US, UK, China, Europe, Canada and across the globe.
  • Investment Trusts
    An investment trust is a company that raises money through selling shares to investors which then pool the money to purchase and sell a range of investments. Investment trusts can vary with different aims and mixes of shares and assets.
  • Pros: Liquidity
  
  Investment trusts don't need to sell the assets when an investors exits the fund, which means investors can sell their holdings more easily on the stock market. The price of an investment trust can could reduce when more units are sold than bought.
  • Cons: Potential Price Volatility
  The price of an investment trust can be influenced by the demand for the share. In a scenario where investors don’t feel the investment trusts is being managed as well as expected then this can impact the price when investors want to sell rather than buy.
  • Bonds and Gilts
    Bonds and gilts are a way for companies or governments to raise money which is done by borrowing money from investors. When you invest in a bond or gilt you’re lending money to a company or government which in return provides a fixed rate of interest.
  • Pros: Stability
  Bonds and gilts have lower risks than stocks and have the potential to provide a more stable return over time.
  • Cons: Growth Potential
  The drawback of bonds and gilts is that they don’t provide higher long term returns compared to other stocks. Bonds and gilts can be impacted negatively by changes to interest rates, economic uncertainty and currency fluctuations.
• Real Estate
  Investing in real estate offers the potential for long-term appreciation and income generation. Whether through direct property ownership, real estate investment trusts (REITs), or real estate crowdfunding platforms, real estate investments can diversify your portfolio and provide stable cash flow. Our experts at Cosechafx can guide you through the intricacies of real estate investing, helping you identify opportunities and manage risks effectively.
• Alternative Investments
  Alternative investments encompass a wide range of assets beyond traditional stocks and bonds. These may include private equity, venture capital, hedge funds, commodities, and more. Alternative investments can provide diversification and potentially higher returns. Our team at Cosechafx has the expertise to evaluate alternative investment opportunities and guide you through their unique characteristics and potential benefits.
• Retirement Accounts
  Planning for retirement is a critical aspect of your long-term financial strategy. Cosechafx offers guidance on retirement accounts, such as individual retirement accounts (IRAs) and employer-sponsored 401(k) plans. We help you understand the tax advantages, contribution limits, and investment options available within these accounts, ensuring that your retirement savings are optimized for growth and future financial security.
• Customized Investment Solutions
  At Cosechafx, we understand that every investor has unique goals, risk tolerance, and preferences. Our investment advisory services go beyond off-the-shelf investment options. We work closely with you to create customized investment solutions tailored to your specific needs. Our experts analyze your financial situation and provide personalized recommendations to help you achieve your investment objectives.
• Are you ready to invest?
  Before you make the next step to invest, please read the below statements and make sure you agree with all of them:

  • You have a minimum of three to six months net income easily available to cover any emergencies and any planned spending over the coming years.
  • You agree to take some risk in investing.
  • You are ready to invest for at least 1 month or up to 5 years.
  • You don’t hold significant short-term debts, because they could cost you more in interest than the amount of return you see on your investment.
  • You’ve carried out your own research and feel confident that it’s the right time to invest.