Invest with the aim to growLook for solutions that deliver over the longer term
          personal financial planning and advice eight principles of investing outpacing inflation

          Learn to outpace inflation

          Investing in cash may seem to be a safe bet as the risk of capital loss is very low. However, it comes at a price in terms of lower returns.

          Cash may be an appropriate investment for some investors: those who have a very limited risk appetite and/or who need to draw an income. It is also a given that every investor needs to keep part of their funds liquid in case of an emergency.

          Cash-only investments are unlikely to deliver

          For the bulk of investors cash-only investments are unlikely to deliver long-term investment solutions due to the low returns.

          Over the long-term, cash needs to be supplemented with investments in other asset classes. A balanced portfolio not only helps to deliver a smoother overall return in the long term but is also likely to deliver higher returns than a typical cash-only portfolio.

          The key is to consult with your financial adviser to ensure that your portfolio is constructed in a way that manages your risk exposure while delivering suitable returns.

          Discover more principles of investingRead the rest of the principles by selecting the options below.