What type of investor are you?

Begin your Investment journey


Sean is 33, living in Callan and working in Glanbia as an engineer. He’s earning €60k per year and looking for promotion within the company. He’s from the area and has returned home last year after spending 3 years working and travelling in Australia and United Arab Emirates.

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Robbie & Claire

Robbie and Claire are 43 and 41 years old. Married for 16 years with 3 children aged 10, 8 and 7. They live in Wicklow. Robbie is a self employed engineer earning €58,000 per annum and Claire is a secondary school teacher earning €47,000 per annum. They are a very sporty family. Robbie regularly competes in triathlons, and the whole family love mountain biking, enjoying the outdoors and all are heavily involved in the local GAA club.

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Saoirse is 55 years old. Living in Dublin, not married and has no kids. She is a graphic designer earning €72,000 per annum working for an advertising agency. Saoirse is an independent woman. Her parents have passed away in the last 2 years and left her an inheritance of €250,000. She has a great social life and many hobbies: photography, off-the-grid travel and gardening are her passions.

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Brian & Aileen

Brian and Aileen are a married couple living in Galway with 3 grown up children (2 living in Ireland and 1 in Canada). Brian is 63 and Aileen 65 years old. Brian works as a hotel manager earning €67,000 pa and Aileen works in the home/looks after her parents and does some voluntary work. Both are in good health. They are both good golfers, and Aileen swims in the sea every day in Salthill with her women friends. Their children are well settled and they have 5 grandchildren. They are both fairly prudent with their money.

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Explore the possibilities

Check out the two scenarios below. One involves investing €200 a month for 15 years, the other involves investing a €10,000 lump sum over the same time period. Both projections illustrate what your investments could be worth in various market conditions.

Examples of investments

Investment Risk Level 4

See Assumptions

Warning: These figures are estimates only. They are not a reliable guide to the future performance of this investment.
Warning: The value of this investment may go down as well as up.
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: These funds may be affected by changes in currency exchange rates.
Warning: Past performance is not a reliable guide to future performance.

When starting your investment journey there are 2 key things to consider:

  1. When would you like to access your money?
  2. One of the most important things you need to think about is when you need access to your money. This will help determine the type of investment you choose.

    If it’s within the next 5 years:

    • You may want certainty on the amount of money at your disposal
    • You will probably need easy access to your money

    If this is the case, the best home for your money is typically some form of deposit. We have a great range at Bank of Ireland. Find out more here.

    If it’s longer than 5 years:

    You may want to consider assets such as company shares and property which could potentially provide better returns than deposits in the longer term.

    Bank of Ireland Life has a range of investment solutions which provide exposure to these assets.

  3. What degree of risk are you comfortable with?
  4. Every investment involves you taking some level of risk. Deciding what level of risk you are comfortable with is crucial, as your appetite for risk will influence the type of funds that you should invest in.

    We have 7 risk categories:

    • Very Low Risk
    • Low Risk
    • Low to Medium Risk
    • Medium Risk
    • Medium to High Risk
    • High Risk
    • Very High Risk

    As a rule of thumb, options that offer the most potential for growth also have the highest potential for loss. Our expert advisors will take you through a questionnaire to gauge the level of risk you are willing to comfortably expose your money to.