BRASS fund choices and risk ratings

Low to High risk gauge2

Why risk matters

Investments usually have some risk attached.

In general, the more risk you take, the higher the potential returns (but also the risk of losing more). 

On the other hand, lower risk funds may seem like the safe, steady option, but if your investments don't grow over time, inflation could eat into the value of your savings.

 â€‹Your fund choices will ultimately depend on:

  • Your age and when you plan to retire

  • How comfortable you feel about taking risks

Speak to an independent financial adviser. Check unbiased.co.uk for details of local advisers.