We offer a choice of different funds, each with a different mix of assets and different levels of risk and potential returns, and you can switch between them at any time by calling us. It’s important to make sure you’re in the right fund for you.
The right fund for you depends on your particular situation and your financial goals. For example, if you’re investing for the long term, a fund with more exposure to growth assets like shares and property could be a good idea. There’s more risk that the value of your investment could fluctuate in the short term, but in the long term you could achieve a higher return. On the other hand, if you’re likely to access your money in the short term, you may prefer a fund with a lower risk profile to give you more certainty.
It’s a good idea to understand your own attitude to investing, particularly to investment risk. Use our Risk Profile Questionnaire to help you understand your tolerance for risk and what this means when it comes to choosing investments.
We recommend you review your choice of fund (or funds) annually to make sure it’s still the most appropriate option for you. We can connect you to a financial adviser who can provide you with advice tailored to your personal situation.