Nobody knows quite what the future holds. Changing life plans and priorities will mean you encounter varying income needs and goals throughout your life and when investing, certain innate behavioural traits will influence your decision-making.
Schroders incomeIQ is a knowledge centre with guides, tips and tools to help you understand these issues and make more informed investment decisions to meet your income needs effectively. We have developed the incomeIQ test which will reveal your behavioural biases and provide useful tips to empower you to make better investment decisions.
Become an empowered investor today with Schroders incomeIQ.
What would you like to achieve in life, both personally and financially? Do you fully understand your income needs, for now and the future? The resources below can help you to answer these questions and develop your income plan.
Planning your income needs isn’t all about the numbers – it should take into account your current circumstances as well as establishing a realistic view of how you want to live in the future. There are a number of points in your life when income-producing investments might come in handy, whether to pay for school or university fees, a lifestyle change such as setting up your own business, or as supplemental income to earnings as you approach and go through retirement.
Making use of income investing requires a thorough and honest understanding of what you want to achieve, both personally and financially, and the level of risk you’re prepared to take with your money.
Your investment income may provide you and your family with the means to fund life-changing milestones for the future. Your long-term investment goal is wealth maintenance and growth, but you have shorter-term objectives, like the cost of school or university fees for your children.Select this profile Profile selected
You are looking for a lifestyle change, maybe as you approach retirement. Your investments can supplement income, so you can spend less time working, or fulfil a long-term dream like starting your own business or embarking on the trip of a lifetime.Select this profile Profile selected
You’ve recently reached retirement and intend to use the money you’ve accumulated to generate a regular income. The opportunity for investment growth is still important to you as you enter your retirement.Select this profile Profile selected
Targets income and growth opportunities provided by the Asia ex Japan region
Seeks to identify income and growth opportunities from UK companies
A multi-manager solution aiming for inflation-beating income returns
A compelling proposition for investors seeking income in global property
The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested. Some funds invest solely in the companies of, or in property located in, one country or region. This can carry more risk than investments spread over a number of countries or regions. Investments in smaller companies can be less liquid than investments in larger companies and price swings may therefore be greater than in larger company funds. Investors in the emerging markets and the Far East should be aware that this involves a high degree of risk and should be seen as long term in nature. Exchange rates may cause the value of investments denominated in currencies other than sterling, and the income from them, to rise or fall.
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