Saver to Investor - CH

Investment goals

Saver to investor

Investment choices

Choosing funds

Investment choices

Investment goals

Saver to investor

With so many funds to choose from, narrowing them down can be a challenge. To help, we've looked at three broad types of investor. Simply choose the investor type that most closely resembles your own circumstances and tell us if your main investment objective is capital growth or income. We've matched a selection of funds from across our range to each investor type and investment objective, which you can download and save.

Investment funds for you to explore

Which type of investor are you?

Comfortable with investing but has little time to plan for long-term goals.

The challenge

You’re looking to generate a regular income, perhaps to cover bills, such as school fees or medical costs, or to supplement your pension income.

Regular income

You’re looking to see your money grow over time. You could be looking to generate a future lump sum for a major purchase, or perhaps to fund your retirement.

Capital growth

Are you investing for growth or income?

Uses traditional savings accounts, likes the security of cash and has no investment experience.

Has some investments but needs to boost potential long-term capital growth.

The 'in the moment' investor

The experienced accumulator

The cautious saver

The 'in the moment' investor

The experienced accumulator

The cautious saver

Capital growth

Regular income

Choose an investor type from the options above to learn more.

See funds matched to your investor profile.

You generally don’t like to take risks with your money. You’re used to putting money into traditional savings accounts and like to have a substantial 'rainy day fund' in case anything unexpected happens. You don’t make investments and are not overly confident in your knowledge. You would like to grow your savings for the future or could be looking to draw an income from existing savings, perhaps to boost a pension, or pay for regular outgoings.

Because your savings are in cash-based accounts, today's very low interest rates mean the value of your money, and any income you draw from it, is at risk of being eroded by inflation. With interest payments so low, you will need to save a lot more to make up for the shortfall in interest payments, or you may need to withdraw some of your savings to make up for lost income. There is a risk of missing your long-term savings goals.

The challenge

Maximising the growth potential of your savings is crucial to overcome low interest rates and low bond yields so that you can reach your long-term savings goals.

You’re at a stage in life when you need your money to work hard to meet your goals, so growth is important to you. You may already have some investments as part of your overall savings mix, perhaps as savings for retirement or children. You understand the trade-offs between risk and reward, but you also value expert advice before making investment choices.

The challenge

You understand the advantages of investing but other priorities may mean you aren’t saving enough to meet your goals. Because you are financially confident, you may make short-term decisions that could be detrimental to your long-term investment goals.

You are most likely at an earlier stage in your savings journey. You may already invest and would like to do more, but a busy life limits your time and attention to it. You have cash to invest regularly for the long-term, and you’re ready to take some risk to achieve higher returns. When markets are volatile, you like to make changes to your strategy to try to time the market.

The solution

Consider taking the first steps out of cash by moving some of your savings into lower risk investments that offer you the potential to achieve above-inflation growth or a more attractive income.

The solution

Consider moving more of your savings out of cash to make your long-term investment plan more robust. This could include allocating more of your money outside your home market and diversifying away from lower risk bonds into higher yielding bond markets and equities.

The solution

Ensure you save as much as you can, as early as you can, to benefit from compound interest. Make sure to build a robust long-term investment plan and stick to it through periods of market volatility to maximise potential returns.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Funds – Multi-Manager Alternatives Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds - Global Macro Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds - Global Select Equity Fund

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds – Global Macro Sustainable Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Funds – Emerging Markets Sustainable Equity Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

The Mercantile Investment Trust plc

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds - Global Macro Opportunities Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Funds - Asia Growth Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan US Smaller Companies Investment Trust plc

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds – Global Income Conservative Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan ETFs (Ireland) ICAV – USD Ultra-Short Income UCITS ETF

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Funds – Global Bond Opportunities Fund

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds – Global Income Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Funds - Income Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Funds - Global Bond Opportunities Fund

View price and performance

See how your money could grow

View price and performance

See how your money could grow

View price and performance

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds - Global Income Fund

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

JPMorgan Investment Funds - Global Income Sustainable Fund

View price and performance

See how your money could grow

View price and performance

Download my profile now

Save my investor profile

Explore your investment choices

Save my investor profile

Select from the options above to build your profile

Choosing funds