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The 6 emotions stopping you from investing in a Stocks and Shares ISA

Are you wary of investing? Do any of the following emotions ring true…?

Investing is a bit like bungee jumping, minus the adrenaline: people fear it even though they’ve never done it!. But if they took the plunge, literally and metaphorically speaking, they could find it incredibly rewarding.

So, what is it you’re worried about when it comes to investing? Is it that you don't know where to turn? That you don't have the time to learn about your options? Or maybe it's a fear of the risk involved? Whatever emotions are getting in the way of you investing in a Stocks and Shares ISA, perhaps we can help to put your mind at ease...

  • You’re wary of getting involved in something you don’t understand

    Fortunately, you don’t need an economics degree to understand the stock market. In fact, opening a Stocks and Shares ISA, as a potential way of reaching long term financial goals, can be relatively straightforward. Why not take a look at our ISA calculator to see how simple it can be? And you can always seek the help of an adviser. Whilst you have to pay for the advice you receive, an adviser will explain the basics, bust the jargon, and help find an investment that is best for your circumstances.

  • You’re confused as to when the best time to invest is

    The right time to invest in a Stocks and Shares ISA depends on your circumstances and goals. Investing in a Stocks and Shares ISA is for the long term because you have more chance of smoothing out the ups and downs of the market. Remember though that it doesn’t always work out for the best and you can get back less than you invested, no matter how long you are in the market for.

  • You’re scared of losing your money

    You wouldn’t stick to just one dish at a buffet, would you? With a Stocks and Shares ISA you're able to invest in different funds across a range of asset classes, in order to spread the risk and therefore reduce the chance of losing a lot of money in one go.

  • You’re concerned about the ups and downs of the stock market

    Investment can be a rollercoaster of ups and downs, and you need to be prepared to ride it out. The most important thing is not to panic and pull out if you notice the value of your funds dipping, as you could lose out on making money if the market made a recovery.

    If you’re willing to accept that with investment comes risk and you might not get back what you invested, and you’re confident that regularly investing money won’t affect your short-term goals or put a strain on your finances, then a Stocks and Shares ISA could be for you. You’re in it for the long haul, so buckle up, sit back and enjoy the journey.

  • You’re doubtful you’ll have the time to manage your investment

    Time is precious to all of us, and it’s something we all wish we had more of. But, luckily enough, Zurich's Stocks and Shares ISAs shouldn’t sap up too much of your valuable time. We offer actively managed funds which means a professional fund manager will aim to get the best possible return for your investment. We do recommend that you regularly review your investments to ensure you’re on track to achieving your future financial goals.

  • You’re worried that you’ll need to get your hands on the money

    It’s important to bear in mind that Stocks and Shares ISAs are designed for long-term savings goals with a focus on growth. Though you can still access your money, you should be prepared to part with your cash for at least five years – could you afford to do that? Set some time aside to think about what it is you’re saving for, and when you’re likely to need the money.

What now?

Why not take a look at our ISA calculator to give you an idea of whether you would like to invest.

Zurich is a trading name of Sterling ISA Managers Limited. Sterling ISA Managers Limited, authorised and regulated by the Financial Conduct Authority. Registered in England and Wales under company number 02395416. Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

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