Invests only in bonds

Tries to beat the market

Tracks an index such as FTSE 100

Guarantees capital

£1,000

£1,500

£500

£2,000

Dividend / EPS

EPS / Dividend

Profit margin

Dividend / Share price

Seek extra income

Delay non-essential purchases

Reduce discretionary spending

Increase borrowing unnecessarily

A record of debts owed

A bank statement

A list of monthly bills only

An estimate of income and expenditure for a period

Increase fees

Eliminate inflation

Maximise tax relief

Reduce overall risk

4%

7%

5%

6%

Undervalued company

High expectations or overvaluation

Low investor confidence

Falling profits

£85,000

£75,000

£50,000

£100,000

Part ownership in a company

A loan to a company

A fixed deposit

A bond