GUIDE TO INVESTMENT FUNDS

Risk and Return

There are a few things you should consider when choosing how and where to invest your lump sum:

Risk Profile

What level of risk are you comfortable with? Some people are risk averse and prefer to expect their investment to return a steady yield, whereas others are prepared to take a risk in the hope that the eventual return will be higher.

Return Expectation

What return are you looking for on your investment? Are you seeking modest, predictable returns or are you happy to endure fluctuations in your investments with the potential of higher returns in the long term?

Time Horizons

What length of time do you want to invest for? Whether you have a short, medium or long-term investment horizon will impact on the option you choose.

Access

What access do you require to your funds?Some products are best suited to investors who do not require access to their funds, who can afford to let their fund grow for 5 years or more, whereas other investors may need access to their funds. This will also impact on your choice.