The most common bonds are loans to governments or corporations.  Bonds provide a fixed income in a form of interest paid semi-annually or annually.

Capital on bonds are not repaid until maturity.

Since bonds pay a fixed interest from issue, the risk is that bonds do not keep up with current interest

Stocks or shares are a partial ownership of a publicly traded company.  Stocks can have a combination of capital growth and dividend payments.

Not all stocks pay dividends, particularly growth stocks.

There is no guarantee of capital and are subject to market risks.

Depending on the industry, there could be specific risks.

Stock in

Savings are accounts than can be held at a bank or credit union.  Savings usually have higher interest rates than deposits.  Interest growth is on monthly, six month or yearly anniversaries.

Savings do not keep up with the rate of inflation so this would be considered a risk.  Since rates are

Deposits are current or demand accounts held at a bank or credit union.  Returns on deposits are paid out as interest and pay either monthly or at the end of a term.  Interest rates are based on ECB rates.

Deposits do not keep up with the rate of inflation so this

Mortgage Protection Assurance is a lump sum benefit in the event of death, serious illness or both.

Cover decreases each year in line with the mortgage.

Optional benefits usually do not apply.

Cover is in line with the term of the mortgage.

Costs should be kept in line with the mortgage as payment of

Whole of Life Assurance is a lump sum benefit in the event of death, serious illness or both.

Optional benefits can only be added on unit-linked policies.  An example of an additional option is indexation of benefits with inflation (cost of living adjustment).

Cover is usually whole of life but could be