However, even long-term investing involves risk as values will fluctuate over time and most investments do not provide a guaranteed level of return or a promise that you will not lose money.

In general, the greater the potential return you want from your savings and investments, the greater the risk you have to take.

Most investments involve an element of risk:

• Return Risk – the risk that your investment may not achieve the return expected
• Capital Risk – the risk that you could lose some or perhaps all of the original money that you had invested

Risk can vary from fund to fund and it is very important, before you make any investment decision, that you understand all the risks associated with any fund. This will be key to picking the fund that best suits your needs. 

With the wide range of investment choices in the marketplace, you can now decide for yourself how and where your money is investmented, as well as you manages it.

All this flexibilty means that you can put your own stamp on your portfolio, giving you the best opportunity to build up your investment over the longer term.

 

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