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FC App gives Capital Market information at your finger tips

18th February 2016, Colombo, Sri Lanka:

First Capital Holdings PLC (FC) a full service investment bank with 30 years of experience recently launched the “FC Capital Market App’, providing up to date information on the Sri Lankan capital market free for Android and IOS smart mobile users.

The FC Capital Market App gives investors and market enthusiasts detailed insights into government securities, stock market, debentures and research. The users can create a personalised watch list to keep track of chosen securities and eliminating the need to access multiple information sources.

“The app enables investors the convenience to follow the performance of their investment portfolio and is available free for downloading onto smart mobile and tablet devises for any interested user and doesn’t require a client account with First Capital” Dilshan Wirasekara, Chief Executive Officer of First Capital Holdings PLC, stated.

The FC Capital Market App can be downloaded on App Store, Google Play and through the Company’s website.

About First Capital :

First Capital Holdings PLC, an Investment Bank listed on the Colombo Stock Exchange, is the holding company of the First Capital Group offering a full range of products and services, through subsidiaries operating in Debt & Equity markets including First Capital Treasuries Limited, a  Primary Dealer licensed by the Central Bank of Sri Lanka, First Capital Asset Management Limited, an Investment Manager licensed by the Securities and Exchange Commission of Sri Lanka which  also manages several dedicated fixed income Unit Trusts, First Capital Equities Private Limited a licensed Stockbroker and Member of the Colombo Stock Exchange, First Capital Markets Limited a licensed Margin Provider and First Capital Limited, a structuring and placement agent for debt and equity, and provider of corporate finance and advisory services.

For nearly 30 years, the First Capital Group has been a leading non-bank financial institution in Sri Lanka. A pioneer Primary Dealer in government securities, First Capital has steadily grown to become a leader in this field, buoyed by a loyal and continuously growing customer base. The company operates in Colombo and several major cities in Sri Lanka.


Understanding Your Investment Options

Investment Banking in Sri Lanka

Issued by First Capital Holdings’ as part of its Investor Education Series

By Dimantha Mathew, Manager – Research, First Capital Equities (Pvt) Ltd

It is a truth universally acknowledged that money does not grow on trees. It is also however accepted that with prudent investment and a modicum of financial planning, you can develop your finances. Here are a few basic tenets of investing, both for those already in the know and those hoping to cautiously test the investment waters.

What’s the difference between saving and investing? How do I start?

The terms saving and investing are often used interchangeably. While there are similarities, there are also fundamental differences. Saving is a prelude to investing and refers to the practice of keeping aside money on a regular basis, to be accessed later. While interest is accrued on savings, investment is a step further, where one attempts to grow one’s money and build wealth. Investment is a more active process than saving and varying investment tools contain varying elements of risk.

Understanding Risk

Unlike savings accounts, it is important to note that investment earnings are not always guaranteed. Types of risk related to investment include financial market movements, interest-rate risk, inflation risk, currency risk and political risk. As these can affect investments positively and adversely, diversification of investments is important. Well thought out diversification can reduce the risk profile of your investment portfolio.

As the age-old maxim goes, don’t put all your eggs in one basket. Properly managed diversification can significantly lower risk while maximizing returns. Hence it is important to arm yourself with the correct information and identify both your short-term and long-term financial goals before embarking on your financial journey.

Identifying Investment Goals and the investment time horizon

Before mapping out your investment plan, you need to identify your funding capacity i.e. understanding your ability to allocate excess funds for investment purposes either as a lump sum or on a monthly basis. Secondly, identify the investment time horizon that you have earmarked for your investments. Before investing it is important to know when you will require your funds. Each investor’s financial goals and time horizon may differ. For example you may require a monthly income after retirement as well as a lump sum to finance your children’s university education or buy a new car.

Evaluate the acceptable risk level and embark on building a diversified investment portfolio in line with your risk appetite and expected return. One needs understand that higher the risk higher the return and similarly lower the risk lower the return. Regardless of which investment instruments you choose and time horizon you invest for, be sure to meticulously evaluate the instruments and companies with whom you intend to place your hard earned money, and don’t be afraid to ask questions.

What kind of investment instruments are available? 

The choice of investment instrument will vary according to your investment time horizon and individual risk appetite.

In addition to bank deposits, government securities, equity and debt listed on the stock market, unlisted securities such as securitized papers and commercial papers, unit trusts as well as private equity are some of the options available for consideration.

Table 1 outlines the element of risk and investment horizon for different investment instruments.

Instrument Type

Level of Risk

Investment Period

Unit Trusts

Very Low to High*

Overnight – Long-term*

Bank Deposits


Short – Medium term

Government Securities

Very Low

Short or Long-term

Listed Debt Instruments


Short or Long-term

Unlisted Debt Instruments

Medium to High

Medium – Long-term


Medium to High

Medium – Long-term

Private Equity & Debt



Table 1

* Depends on the type of unit trusts

Navigating the investment landscape 

Once you have considered your investment options and decided on your investment time horizon, carefully examine your debt commitments. It is strongly recommended that you seek professional advice before you invest. While you may prefer to make your own investment decisions through self-education, a qualified financial professional or investment advisor might be better equipped to advise you on the investment opportunities available to meet your goals and risk appetite.

When vetting an investment advisor, be sure to understand the services they offer, terms of compensation and track record. A perusal of their affiliations, history and assets under management is also recommended.

Good communication, clear articulation of your financial goals and mutual trust are essential when relying on the services of an investment advisor. A good investment advisor can guide you in matching financial tools with your monetary goals and help you mitigate risk and regularly monitor the performance of your investments.

Furthermore, investors can turn to regulators such as the Central Bank, Securities and Exchange Commission of Sri Lanka and the Colombo Stock Exchange for information or queries.


Note to Editors

This article is a part of First Capital Holdings PLC’s Investor Education Series. The Investor Education Series is aimed at improving investment education and financial literacy in Sri Lanka and enabling investors to make informed decisions about investments and the financial market and is not an endorsement of specific products.