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Amundi Singapore Limited
Company Registration No.: 198900774E

Summary

Are you saving for the future with no specific goal in mind?

Novice or expert, we seek to help you connect your individual goals with your financial decisions. With the goal-based investing approach, learn how you could potentially structure your investment portfolio around meaningful personal targets.

Goal-Based Investing sets your destination and may show you how to reach it. Ready to invest with purpose? Your life goals are the perfect first step.

1. Identify and prioritise your financial goals

Start by listing all your financial objectives.These might include:

Saving for a down payment on a property.
Planning for retirement.
Funding your children’s education.
Or any other project that you find motivating and requires substantial funding.

Next, prioritise these goals based on importance and urgency. This step helps you focus your resources where they matter most.

2. Set realistic timelines and estimate costs

couple on their laptop talking about finance

For each goal you prioritised, determine:

When you want to achieve it.
How much it will cost.

Be realistic in your estimates. Over the past decade in the Euro area, prices have risen on average by about 2% per year. So, if you're planning for a 10-year goal, you might consider factoring in roughly a 22% overall increase on today's prices¹.

3. Assess your risk tolerance for each goal

Consider these key factors to assess your risk tolerance:

Time horizon: Long-term investments allow for more risk, while near-term needs require caution.
Goal prioritisation: Essential goals might require a more conservative approach than others.
Personal comfort level: Market ups and downs will test your nerves.

Find your sweet spot between caution and ambition.

4. Choose appropriate investments

Based on your goals, timelines and risk tolerance, select suitable investments. Options might include:

Equity Funds
Bond Funds
Balanced Funds
ETFs

Diversification²seeks to reduce risk compared to investing in individual securities. However,each asset class carries specific risks and varying levels of potential returns.

Find out more about the different asset classes in our "All about Asset Classes" guide. This is your compass to become an expert in no time.

Learn more about Asset Classes

5. Determine investment amounts

Calculate how much you need to invest regularly to reach each goal. Consider:

Your current savings: Assess your starting point and evaluate funds already set aside for each goal.
Your monthly investment capacity: Realistically evaluate how much you can set aside each month.

Starting early with smaller, regular investments often leads to better long-term results than waiting to make larger, infrequent contributions³. The key is consistency and the power of compound growth over time.

6. Seek personalised help

Your life and goals might change over time, but making too many changes to your investments can hurt more than help. A good financial advisor can help you:

Create a solid, long-term investment plan that fits your goals.
Navigate complex financial decisions.
Avoid making common mistakes when emotions run high.
Suggest smart updates when they're truly necessary.

Having an expert in your corner can make the difference to reach your goals.

From Ambition to Action

Goal-based investing is about making your savings work for the life you want. By following these seven steps, you're actively turning ambitions into plans. And each investment is a deliberate step towards your life plans.

Ready to start your investment with purpose? Jump into our next tips:

Invest with purpose, not with doubt

Find out how to make more confident investment decisions.

Discover more

Are you chasing too many goals?

Spend your time and money on what really matters.

Discover more

¹Source: https://ec.europa.eu/eurostat/statistics-explained/index.php?title=Inflation_in_the_euro_area

²Diversification does not guarantee a profit or protect against a loss

³As with all investments, there is no guarantee and past performance does not predict future returns

Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 20 January 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 20 January 2025

Doc ID: 3996881

Marketing Communication

Amundi Singapore Limited Company Registration No.: 198900774E This advertisement or publication has not been reviewed by the Monetary Authority of Singapore