Given the current low rate of interest on savings, investments offer another way to get the most out of your money. The younger you start, the higher your potential return.

That's because you don't need immediate access to the amounts invested when you're young, which means they can generate a return over a long period. Those returns are then re-invested and that's what we refer to as the capitalisation effect.

For example: if you start investing when you're 15, you'll have 15 years of investing behind you when you turn 30. The longer you're able to invest, the better the prospects.
 

An investment plan lets you invest in one or more funds. If you opt for a balanced fund, you will invest in many different shares and bonds. In this way, you spread your investment risk and you have a better chance of earning a return.

You can spread your risk even more by depositing money throughout the year. For instance, you could start out by depositing as little as 25 euros in your investment plan each month instead of putting in a large amount once a year.

Enjoy the convenience of making your deposits throughout the year with automatic investing. With this facility, a fixed amount (starting from 25 euros) will go automatically from your account and into your investment every month.