It all depends on the fund’s objectives and the level of risk you’re comfortable with. Our investment approaches are all different, and each one involves a different amount of risk.

Our higher risk investment approaches experience more ups and downs, but have the potential for higher returns. And vice versa. Our lower risk approaches experience fewer ups and downs, but have a smaller potential for higher returns. It all depends on what you want out of an investment approach.

If anything needs a bit more explanation, get in touch on 03455 28 88 52 and we’ll do our best to help

Yes, you can. When you open an account with us, you can choose one investment approach that works for you, based on a mix of risk and potential reward that you’re happy with. Once your account is up and running, you can choose another investment approach as well using your Online Service account.

If you opened your account before 1 January 2023

Yes, you have full access to our fund range and can choose more than one investment for adding money or withdrawing.

Have a look at our funds page. There’s lots of info about each fund and how it’s performing.

You can also read a quick update from our investment experts every quarter about the different factors affecting the market, and their impact on fund performance. Hear from our investment experts.

It’s easy to track how your investments are performing on our app or if you sign in to Online Service. We update your account balance every day, and you’ll get a statement in your Documents every 6 months.

If you opened your account before 1 January 2023

We’ll also send your six-monthly statement by post, unless you’ve told us you’d like to go paperless.

Yes. There’s always a risk with investing. The value of your investments can go down as well as up, and you may get back less than you invest.

With investments you should be prepared to tie up your money for 5 years or more. This could mean you’re less exposed to any sudden changes in market conditions.

Our ready made investment approaches could also help you manage the risk, as they spread your money across lots of different types of investments and many different countries.

It’s easy to stay up to date – have a look at our info on fund prices.

We update your fund value overnight every day between Monday and Friday, except if it’s a bank holiday.

You can view your balance in our app and in Online Service. We’ll show you the current value and the date your balance was last updated.

If you’d prefer to check your balance by phone, you can use our automated phone service on 03455 28 52 85.

Have a look at our Fund Value Assessment report.

Investment risk appetite is the level of risk you’re willing to accept when you’re making an investment.

We measure risk by looking at how volatile an investment could be, which means how many ups and downs are likely as its value changes. More risky investments are more volatile, but have greater potential to grow.

You can find out more about investment risk appetite on our learning hub.

Most of our funds are responsibly invested, which means that they will make decisions about what to invest in that consider a broader view of risks and opportunities including thinking about people and the planet. This is because we believe that over the long term responsibly run companies will lower risks and increase opportunities in our changing world. These companies will be seeking to protect both people and the planet from harm, with responsible business practices based on global standards.

Want to know more? Read more about investing responsibly.

Have a look at our Prospectus.

Possibly. The value of your investments can go down as well as up and you may get back less than you invest.

If you take money from your pension or switch investments when your investments go down, you will be locking in stock market falls.

Remember, investing is a medium to long-term commitment and has tended to do better than saving over five years or more. However, past performance of investments can’t be used as a guide to how they’ll perform in the future.

Yes, you can. It’s a good idea to check up on your investments regularly, and if you fancy changing your investment choice, it’s easy to do. Sign in to Online Service and follow the instructions. If you get stuck, give us a call and we’ll be happy to help.

Every 6 months, we’ll work out the total amount of income you get from each fund. If you have accumulation units, the income will be paid back into the fund and reflected in the unit price.

If you have income units, it’ll either be paid out to you or reinvested to buy more units. This depends on which option you’ve chosen.

You can find out more, including dates and details for each fund, by reading more about Investment income.

Once the fund has received the income, we’ll process any income payments within 10 working days. If you decide to have the income paid out, you’ll receive it within a few days. For the fastest way to get it – ask us to pay it directly to your bank account. Just give us a call on 03455 28 88 88.Yes, you can. It’s a good idea to check up on your investments regularly, and if you fancy changing your investment choice, it’s easy to do. Sign in to Online Service and follow the instructions. If you get stuck, give us a call and we’ll be happy to help.