Understanding investments

Make your money work for your future

If you’d like your money to start working for you, it’s time to learn about investing. Everyone has different needs and circumstances but here are some basics to consider. Of course, we recommend you speak to a financial adviser before you start putting your money into any form of investment.

What are your goals?

Start by setting your investment goals. Since each investment will vary in its potential for risk and returns, you need to choose the right investments to help you achieve your goals:

  • short-term goals—like saving to pay for a car or holiday in the next six months to two years
  • medium-term goals—what you want to achieve in the next two to five years, like starting a business
  • long-term goals—if your goal is more than five years away, like saving for a child’s education.

Find out more about choosing the right investments.

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Investment basics

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Investment strategies

As a potential investor, you can be exposed to many investment promotions every day. That’s why it’s important to understand the basics of investment strategies.

These include principles like diversification and dollar cost averaging, designed to help your investments work to achieve your goals.

It helps to build your financial skills. Get started with our educational module on managing your money.

You don’t actually need a lot of money to start investing. For example, there are investment options which only need as little as $1,200 up front or regular contributions of just $100 a month.

To find out how much you can invest, you need to figure out your budget. Start by taking all your income and expenses into account, but make sure you keep some money aside for unexpected expenses. Our Budget planner calculator can help you work out the numbers.

Choosing the right investments

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Important information

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It’s important to consider your particular circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. 

This information is provided by AMP Life Limited. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.