Savings and Investments

When considering saving or investing in a vehicle other than your local bank, understanding the underlying assets of your investment / saving policy is key to it’s success. Unlike a regular savings account, your hard earned money can be invested in a number of different asset classes, depending on your own personal attitude to risk. Some of these include:

  • Equities – otherwise known as stocks & shares, investing in equities allows you to invest in a company by purchasing shares of that company in the stock market.
  • Property – Investing in unit-linked property funds allows you access to 1 or many prime properties in a portfolio. The portfolio will normally include a range of commercial, residential, industrial and retail properties in various geographical locations.
  • Bonds – Bonds denote a loan from an investor to a bond issuer – normally a government or a company. They include a promise of a return over a defined period of time.
  • Cash – A short-term investing option. Cash funds currently yield very low returns and are predominantly used as a holding fund until a preferred investment fund is ready or as a type of safe-haven during periods of market volatility.
  • Alternatives – Alternative asset classes can include commodities, currency, real estate etc. They normally have a low correlation with standard asset classes like Equities & Property. It can make them a fitting instrument in portfolio diversification.

Sitting over these asset classes is the Savings and Investment products that we provide in Trust Matters. Some of these include:

Investment Bonds

Typically a lump sum investment into one or a combination of assets such as stocks and shares, bonds, property, cash and alternatives. The term can be as long or as short as you need it to be but we recommend a minimum investment timeframe of 5 years.

Regular Savings Plans

Regular saving normally starts with a specific savings goal in mind. Depending on the timeframe of that objective, we can recommend a tailor-made savings policy to suit your needs. An ideal alternative to the current low-yielding bank interest rates, regular savings plans typically invest in a unit-linked savings plan and can be as high / low risk as you want / need it to be.

Alternative Investments

For the experienced investor, we facilitate entry into a variety of alternative niche investment categories. These bespoke options allow for a diversified portfolio of investment opportunities and can include, but not limited to, sustainable investing, international property funds, pension property purchases and the acquisition of shares through pension arrangements.

Tracker Bonds

These are fixed term policies where the majority of your money is held on deposit with a small percentage invested in the stock market. There is normally a minimum entry amount required and your money is ‘locked-in’ during the period of time set down from the outset.

Kick Out Bonds

A ‘kick-out’ bond is designed to invest your money over a specific period of time with the potential to redeem your initial capital plus a bonus based on the performance of specific stocks/index. There is normally a definitive timeline associated to this investment.

Exchange-Traded Fund (ETFs)

An exchange traded fund is a basket of securities that trades on a stock exchange, much like a share. An ETF holds assets such as shares, commodities or bonds and the price of ETF shares will fluctuate throughout the trading day, much like stocks & shares.

Lump sum investment options E.g. Solar, Biogas, Biomass, Wind Energy

Sustainable investing is an area we have developed within our business over the last number of years. These ethical investment options provide customers with the opportunity to invest in a renewable energy solutions that typically continue regardless of any economic crisis.

Direct property or global property funds

Falling under the ‘alternative’ investment options, Property investments can provide significant diversification within an investment portfolio. Unlike unit-linked property funds, direct property investments usually involve 1 – 3 properties in a prime geographical location e.g. Paris, London, Dublin. They can include commercial, retail, residential or industrial property assets.


A stock market index is a way of tracking the performance of a particular market or sub-set of that market. Passive investing is a way of buying into an index fund that follows one of the major world indices e.g. S&P 500. We can provide funds that are passively managed in order to further strengthen the variety of investment assets within your overall portfolio.

  • Financial Services

    Our broad range of financial services start with financial planning. Planning is not just about taking on a pension scheme or an ISA, it is an ongoing process to help you make smart decisions about your future.

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    Maintaining the standard of living you want in retirement is achievable with a good pension plan.

  • Savings and Investments

    Whether you want to buy a new home, save for a wedding, or just put a bit away for a rainy day, we have a wide range of savings and investment options that will fit with your financial goals.

  • Protection

    It’s not possible to know what’s going to happen in the future but it is possible to protect you, your family and your business in the event of serious illness or death.