“What am I working towards?”
A goal gives the conversation direction. Ask how the time you have and the money you can set aside affect the options worth exploring.
Wealth & investment planning
Big plans? Give your money a goal.
A future home. Your children’s education. Life after work. Investment planning starts with what you want your money to help you do. Discover the questions that turn “I should invest” into a more personal conversation.
Start with your purpose Know the trade-offs Ask before committing
Define purposeClear Goals
01Match the timingTime Horizon
02Balance exposureRisk & Allocation
03Stay alignedPortfolio Review
0401 / Your goal is the starting point
An investment idea is only the beginning.
A popular option is not the whole plan. These three questions bring the focus back to your life, your money and what you want to understand.
“What if the value falls?”
It is a question worth asking early. Understand possible losses, costs and access to your money before deciding whether an investment fits you.
“Do my investments still make sense together?”
Already started? Your next question may be about the whole picture: shared risks, fees and whether each holding still serves a purpose.
02 / The job you give your money
One pot of money. More than one purpose?
Money you may need soon and money for a distant goal raise different questions. Ask how to think about both before focusing on individual products.
Money You May Need Soon
- What bills, planned purchases or unexpected costs could come up?
- How easily would you need to access this money?
- What would a loss mean for those commitments?
Money for a Longer-Term Goal
- What is the goal, and when might you need the money?
- Which risks, fees and restrictions would you need explained?
- Could you accept losses? More time does not guarantee a profit.
Diversification and asset allocation can help manage risk but do not guarantee profit or protect against every loss. Product terms, costs, liquidity and risks should be understood before investing.
03 / Before you choose a product
Your first step can be a conversation.
You can ask about investing before choosing an investment. Tell us what you are aiming for and the part you are unsure about.
Name the goal
What would you like this money to make possible?
Set the context
Talk about your budget, timeline and experience.
Ask the questions
Find out what to understand about risks, costs and access.
Consider the next step
Ask what needs further review before making a commitment.
04 / Common questions
New to this? Start here.
Do I need a lot of money before I ask?
Your question can come first. Share your goals and budget, then ask which options, minimum amounts and suitability requirements would need checking.
What if I have investments but no clear plan?
Start with what each investment is meant to do. Ask how a review could look at the overall mix, costs and fit with your current goals.
Will a good plan guarantee a return?
No. Investment values can fall and losses are possible. A useful conversation helps you understand the risks and trade-offs, rather than promising a result.
Your goal is worth talking about
What would you like your money to help you achieve?
Tell an i~Life advisor about the future you are planning. Ask where your budget, timeline and investment questions could lead the conversation.
Discuss My GoalsInformation on this page is provided for general educational purposes only and does not constitute investment, financial, legal or tax advice, a recommendation, or an offer to buy or sell any product. Investments involve risk, values can fall as well as rise, and returns are not guaranteed. Product suitability, regulation, fees, tax treatment and outcomes depend on individual circumstances and jurisdiction. Appropriate regulated professional advice and product documents should be reviewed before acting.