Building up your wealth  

Making the right choices to build your future

Whether your long-term goal is to start a family or buy a home, first of all we recommend drafting an individual investment plan. It allows you to define your personal investment horizon. With this in mind, you can outline and itemize your medium- and short-term goals, which will help you to realize your personal target step by step. However, the wider your investment horizon, the better. The ups and downs of the market can be levelled by time. In any case, the broad portfolio offered by Allianz Global Investors Group allows you to find solutions to meet each of your goals.

Money market funds are best suited for goals you want to realize within a year or more, e.g. a vacation, whereas bond funds lend themselves to long-term targets three or four years ahead, e.g. a new car. For long-term objectives, e.g. your children's education, you are best advised to invest into a mix of stock and bond funds and possibly cash investments. Whatever your specific plans, starting to build your wealth soon will help your money to grow.

Flexible and transparent instruments

Having defined your objectives, you will find investing into mutual funds is one of the most attractive ways to increase your assets while controlling investment risks. As flexible and transparent instruments, they can be tailored to suit your personal risk tolerance and the amount you are prepared to invest. Without having to deposit a large amount at the outset, you can start with moderate monthly sums, which are invested in your personal portfolio. Consequently, contributing the same amount regularly to the fund over a period of time, you can multiply your shares. Moreover, you can profit from the cost-average-effect as prices for shares vary over the course of a year.