Choosing an investment fund

The online investment service

Our online investment service is designed for people who are comfortable with making their own financial decisions without receiving personalised investment advice. If you're not sure about investing without advice, take a look at our Financial Planning Service

Step one:

Understand your attitude to risk

The tool below illustrates the different levels of risk that need to be considered against potential returns. Use the slider to find the mix of shares, bonds, property and cash you are comfortable with. This will help you make a choice from the funds below.

Explore your attitude to risk versus reward

Lower risk / lower reward
Higher risk / higher reward

Please note, moving the slider will affect content that follows.

How the money may be invested

Lowest risk - savings

When reviewing your options, you would only be prepared to look at deposit savings accounts as the return (interest rate) is known.

You would feel uncomfortable investing in assets where your money will rise and fall in value or where there is a potential for them to lose any of your money.

You are aware that while cash investments are low risk, if the rate of interest is less than the rate of inflation (The rate at which the level of prices is rising) the real value of your money will decrease over time.

Lower risk / lower reward

When investing money you are only prepared to take a low level of risk that your money and the return may fall in value.

You are prepared to invest in assets, such as fixed interest securities and up to 20% of your money being invested in shares.

You would be concerned if the value of your money invested was to suffer a short term (e.g. a period of 12 months) fall in value.

Lower risk / lower reward

When investing money you are prepared to take the risk that investing could lead to a possible reduction in the value of the return or a loss to the money invested.

You are comfortable with investing in a range of assets that have a range of risk and reward profiles and with up to 40% of their investment in shares.

You also understand that the value of the investment will go up and down over time and that the value of the money invested and the return may fall in value.

Medium risk / medium reward

When investing money you prefer to spread your investment over a range of assets but with a greater emphasis on shares.

You’re comfortable with having up to 60% of your investment in shares.

You also understand that the value of the investment will go up and down over time and are prepared to take a greater level of risk that it could lead to a possible reduction in the value of the money invested and the return received.

Medium risk / medium reward

You are prepared to take a greater level of risk to achieve a greater potential return.

You’re comfortable with having up to 80% of your investment in shares.

You also understand that the value of the investment will go up and down over time and are prepared to take a high level of risk that it could lead to a possible reduction in the value of the money invested and the return received.

Higher risk / higher reward

When investing, the primary aim is to achieve a high return on your investment, while taking a higher level of risk.

You focus on investment funds which offer greater potential for growth and appreciate that this comes with a higher level of risk. You understand that the value of the investment can change rapidly and by a large amount in the short term (e.g. a period of 12 months) and that there is a higher risk of losing the original money invested.

You also understand that the value of the investment will go up and down over time and are prepared to take a high level of risk that it could lead to a possible loss or reduction in the value of the money invested and the return received.

Step two:

Choose your fund

You can choose from six funds depending on whether you prefer a lower or higher level of risk and return. Your investment should be considered as a long term option of at least 6 years.

We recommend you carefully review the Key Investor Information PDF for more detail on your chosen fund.

the value of your investment can go down as well as up so you may get back less than you originally invested

*All charges are correct as at 19 May 2017.