The payment frequency can usually be found in the terms and conditions provided in the prospectus. While most bonds tend to pay coupons semi-annually, some also pay quarterly. It is important to review these details before investing to ensure the payment dates align with your goals.

This investment option has a maturity date and the terms and conditions of the agreement are upheld through to maturity. However, if you need to access your principal prior to maturity, FHC will facilitate a sale of the security. This will be subject to market conditions.

Fixed Income investments incur withholding tax. Each instrument will detail the tax structure and we recommend that you discuss further with your accountant as application of taxes may vary.

There are two main types of shares known as ordinary and preference shares. Preference shares are hybrid securities with both equity and fixed income characteristics and therefore carries a “maturity date”.

The financial solution for you will be highly dependent on your needs and your risk appetite. Investing in stocks is generally a long term commitment and throughout the period, the stock prices can trend upwards or downwards. This will result in the value of your investment increasing or decreasing. As a result, investors should understand the various risks and determine their comfort levels to determine suitability.

Trading stocks can be risky. However, an investor should aim to buy stocks that are undervalued, so that when the market recognizes its value and starts to push the price higher, you are at an advantage. A key strategy to use is diversification – do not put all your eggs in one basket! We recommend you discuss with a licensed investment advisor before making a decision.