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Basic financial products

Once you start investing, you will find that there are many types of products offered that range in complexity. With the wide variety of products available, where do you start? In this lesson, we will give you an introductory explanation of four common financial products: shares, bonds, ETFs, and investment funds.

Stocks, bonds and funds

Once you get started investing, you may find that there are many products available ranging from simple to complex. So where do you start?

Stocks Trading

The most well know form of investing is trading stocks

Bond trading

Bonds are another well-known investment and frequently used financial product.

Exchange Traded Funds FTFs

ETFs make it possible to invest in a simple and cost friendly manner

Stock trading

The most well know form of investing is trading stocks. By purchasing a stock of a company which is publicly traded, you in effect become the owner of a small part of that company. And if this company performs well, it will become attractive for other investors to also purchase stocks of the company. In this case, the stock price will typically increase and you could sell your position in this company for a profit. This is known as a capital gain. Conversely, a capital loss can occur if the company falls under bad times and the stock price decreases. Selling your stocks may then result in a loss for your investment.
Selling at a higher price than you bought it for is not the only way to grow your portfolio. It is a common practise for companies to distribute a part of their profits back to stockholders. This paid amount is called a dividend. This way, you can generate an income from your stocks without needing to sell the position. Learn more

Bond trading

Bonds are another well-known and frequently used financial product. They are in essence a loan to a government or corporation on which you receive interest. This interest is referred to as a coupon, and this amount can differ depending on a number of factors, including the duration of the loan and the credit rating of the institution you lend to. Investments in short term bonds to governments or companies with a high credit rating are a common way to decrease risk in a portfolio. The downside of these low-risk products is that the coupon can typically also be expected to be low.

Exchange traded funds (ETFs)

It is also possible to get a selection of different financial products with a single purchase. Normally, buying a large amount of different stocks requires a sizeable budget and would be time-consuming. However, products such as ETFs make it possible to do this in a simple and cost friendly manner.
An ETF, or tracker as they are commonly called, is a passively managed fund which looks to match its return to the underlying basket of products. The underlying assets of a tracker could be an index, such as the S&P 500. They can also be specialized with respect to other factors, including region or sector. Some examples of this would be a tracker of European firms or one with stocks from agricultural companies. The institution issuing the fund will charge a fee, often between 0.10% - 1.00% for this service. These costs are typically included in the price of the product itself. Learn more

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