A Beginners Guide to Investing

A Beginners Guide to Investing
June 5, 2025 Cathy Howard

A Beginners Guide to Investing

Investing is one of the most effective ways to grow your wealth over time. But if you're just getting started, the world of investing can feel complex… with terms, options and risks that aren't always easy to understand.
At Skyring, we believe investing doesn't need to be complicated. That's why we offer a clear and consistent approach through our managed income funds - designed to provide regular income and help preserve capital.
Whether you're starting small or building towards longer-term goals, here’s a simple guide to help you begin.

What Is Investing?

At its core, investing means putting your money into assets, like shares, property, or managed funds—with the goal of generating returns in the future. Unlike saving, which typically provides low but stable returns, investing involves some risk - but also offers the potential for higher growth. At Skyring our managed funds, are structured and aim to deliver monthly income through carefully selected, income-generating assets, making them an accessible starting point for those new to investing.

Step One: Build Your Financial Foundation

1. Start with an Emergency Fund
Before investing, it's a good idea to have an emergency fund - around 3-6 months of living expenses in a savings account. This buffer helps you manage the unexpected without having to access your investment early.

2. Reduce High-Interest Debt
Clearing debts like credit cards or personal loans can improve your financial position and give your investments a better chance to grow.

3. Understand Your Goals

Ask yourself:

  • Am I looking for stable income or long-term growth?
  • Do I want access to my funds, or am I happy to invest for a minimum term?
  • What level of risk am I comfortable with?

At Skyring our managed funds may appeal to those prioritising monthly income, capital preservation, and a lower-risk entry into the investing world.

Skyring Managed Funds: A Simple Starting Point

If you're not ready to pick shares or manage a portfolio yourself, managed funds can offer an easier way to get started.
With Skyring, your investment is pooled with others and professionally managed, giving you access to a diversified portfolio of income-generating assets. This can be an effective way to invest without needing to navigate the markets on your own.

  • Skyring Fixed Income Fund -
    • Designed for investors who are frustrated by irregular or volatile returns and are looking for a more consistent, reliable income stream.
    • Distributions are paid monthly, with a minimum 3-month investment term.
    • You can get started with as little as $1,000, and apply online.
  • Skyring Platinum Fixed Income Fund -
    • offers the same focus on monthly income, with the added benefit of fixed investment terms and a competitive distribution rate.
    • Choose from 12, 24, or 36-month terms, depending on your goals.
    • Monthly income payments, with the ability to apply to withdraw at the end of your term.
    • Get started with just $1,000, and apply online.

Compare our Funds

DIY or Get Advice?

Some new investors prefer working with a financial adviser, especially when starting out. Others take a more hands-on approach and learn as they go.
Whichever you choose, it’s important to:

  • Do your research
  • Ask questions
  • Read the Product Disclosure Statement (PDS)
  • Read the Target Market Determination (TMD)
  • Make sure you understand the risks and product before committing

At Skyring, we’re always happy to walk you through how our managed funds work, what you can expect, and whether they suit your investment objectives.

Click here to request an information pack today

Think Long Term, Stay Informed

Investing isn’t about quick wins - it’s about steady progress over time. Our funds are designed for investors who are looking for monthly income and are comfortable committing funds.
Before investing, make sure you're confident you won’t need access to the funds for the duration of your investment term. If you’re saving for a trip next year or a short-term purchase, a flexible savings option might be better suited.

Invest with Us

Getting started in investing doesn’t need to be overwhelming. With a clear financial foundation and the right strategy, you can make informed choices that support your long-term financial wellbeing.
At Skyring, we are a boutique non-bank Australian income manager directly accountable to our investors. Our primary goal is to provide regular income solutions that support the ongoing success of your portfolio.
If you’re looking for an investment option that offers consistent monthly income, capital stability, and a simple, managed process—Skyring’s Income Funds might be a good place to start.
Our funds are suitable for a variety of investors, including individuals, companies, self-managed super funds (SMSFs), and trusts. We pride ourselves on transparency, with no entry or exit fees, and a straightforward online application process that can be completed in approximately ten minutes.

Learn more about how to invest with Skyring:
Explore our Funds Today

Important Information:

By reading this blog post, you agree that this information is of a general nature only and has not taken into account your particular circumstances. You should consider whether the investments are suitable for you or seek personal advice from a licensed financial planner before making an investment decision.

^Past performance is not a reliable indicator of future performance. The rates of return from the Fund are not guaranteed. An investment in the Fund is not a bank deposit and is subject to investment risk, including the loss of capital invested.

This rate of return is subject to the performance of our related entity, Skyring Capital Pty Ltd and and/or Skyring Securities Pty Ltd.

You should consider whether the investments are suitable for you or seek personal advice from a licensed financial planner before making an investment decision.

*To invest in this Offer, investors should obtain and read the PDS, SPDS and TMD before making an investment decision.

TMD and PDS and SPDS for this product are available from our website or request a copy by contacting us on 1300 73 72 74 or request one from your Financial Advisor. Investments may only be made by completing the application form attached to the Product Disclosure Statement or via our online application service.

Skyring Asset Management Limited ACN 156 533 041 holds Australian Financial Services License (AFSL) 422902. Skyring has registered the Skyring Fixed Income Fund ARSN 622 775 464 with the Australian Securities and Investments Commission (ASIC). Skyring Asset Management Limited ACN 156 533 041 AFSL 422902 is the issuer and manager of the Skyring Fixed Income Fund ARSN 622 775 464.SKYRING has registered the Skyring Platinum Fixed Income Fund ARSN 646 317 982 with the Australian Securities and Investments Commission (ASIC). Skyring Asset Management Limited ACN 156 533 041 AFSL 422902 is the issuer and manager of the Skyring Platinum Fixed Income Fund ARSN 646 317 982.

#Withdrawal rights are subject to liquidity and may be delayed or suspended.

*See PDS and SPDS for more information.

Skyring’s address is Level 2, 2 Gardner Close, Milton, QLD, 4064.

Our reply-paid postal address is Reply Paid 88076, Kenmore, QLD 4069.

You can contact us by telephone on 1300 73 72 74. or via email at investor@skyring.com.au.

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