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The difference between saving and investing is that saving is a part of your money that you put away and earn interest on and investing is buying something (e.g shares, house) that you intend or hope to make money on and sell when the time is right. These are split up into high risk and low risk investment. The different services provided are different depending on the place you visit. National Bank National Bank …

…is to provide tax effective income over the long term from investment properties over 5 years. The strategy used is to invest in property securities, mainly listed property trusts. Holdings are then diversified by a trust manager at the state of the property. International shares fund is to provide medium to long term capital growth investment. The investment strategy used is shares being bought throughout the world. The recommended time put into this is 3-5 years.