Top up your salary or pension with a regular income.

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Is investing for income right for me?

Income investments pay regular returns throughout the life of the investment. So if you are looking to supplement your income rather than save up for something big then they could be right for you.

What are my investment options?

Regular payments

Generally income investments payout:

  • Monthly
  • Quarterly
  • Semi-annually
  • Annually

Fixed, variable or performance-related income

Income investments offer either a fixed, variable or performance-related income. Each has benefits and drawbacks:

  • Fixed income products are suited for investors who are happy to receive a lower return on their investment for the security of knowing they will receive a set return. These investments may not permit ready access to capital.
  • Variable income such as putting money into a variable interest deposit account. Suited to investors who are happy not knowing exactly what income they will receive but want to benefit should interest rates rise. They generally come with ready access to your capital.
  • Performance related income products are suited to investors looking to maximise the potential return they can receive but without the certainty of a fixed amount. There is also a risk that this type of investment may have no return to pay out. Like fixed income investments they will often involve restrictions on access to capital and may also carry a risk of loss of capital.

 Risk

Income investments come with varying levels of risk. This means that you could lose some or all of you original investment, depending on what level of risk is selected:

  • High risk – With high-risk investments your capital is directly linked to market performance. Any drop in value is reflected in what you receive back, however due to the added risk these products tend to offer potentially better returns over longer terms.
  • Medium risk – These investments aim to repay at least some of your capital at some future maturity date even if certain conditions are not met. Potential returns may not be as attractive as high risk investments.
  • Low risk – The investment aims to repay all your initial capital on demand or at some future maturity date but potential returns may not be as attractive as investments that are higher risk.

Remember that all investments carry risk. Investments can fall in value and you could get back less than you invested.

Investments in currencies other than your own may rise or fall because of changes in exchange rates.

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