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Investing
Financial advisers may help their clients invest for both long and short term goals. It is the financial adviser's duty to determine the clients' goals and risk tolerance and then to recommend appropriate investments. Generally, a longer time horizon allows for the advisor to recommend more volatile investments with potentially greater risks and rewards. Such investments include direct investment in stocks or through collective investment products such as mutual funds and unit investment trusts/unit trusts.If the client has shorter term goals, the adviser should recommend less volatile investments with shorter time spans. Such investments could include cash, [[ Certificates of Deposit]], and short term bonds. While these types of investment generally have lower returns there is less volatility and there is less likelihood of losing principal. Although short-term investments can guard against loss of capital, their value can be eroded by inflation over longer periods of time.