- You usually invest by putting your money in funds, which, in turn, invest in assets . Assets can rise and fall in value. If they rise, you earn money when you sell your share of the asset. If they fall, you lose money when you sell your share of the asset.
- Remember, investment values can go down as well as up and you might get back less than you paid in.
- Investing is riskier than saving, but offers you the chance for greater growth on your money over the long term.
- Different types of investment carry different levels of risk. Some offer high risks, but high growth potential. Others offer lower risks, but that means lower growth potential. You can choose to invest at a level of risk that you’re comfortable with.
- You could lose some or all of your money if you invest.
- Investing works better if you’re prepared to leave your money in place for at least five years. Generally speaking, the longer you can leave it, the better.
- You shouldn’t invest if you think you’ll need that money back quickly.
- You may have an exit charge if you withdraw your money before a certain time.
For further information you can visit our Enhanced Disclosure of Fund Charges web page.