Risk factors

All investments carry an element of risk. Please bear in mind that:

• Unit trusts are designed as medium to long term investments of, ideally, at least five years.
• Both capital and income values may fall as well as rise and are not guaranteed. You may not get back the money you invested.
• If the market in which you invest falls, the value of your investment will probably fall as well.
• If you choose an index-tracking trust which invests overseas, changes in exchange rates between currencies may cause the value of your investment and the level of income to rise and fall.
• Each Legal & General index-tracking trust has its own objectives and risk factors. These are detailed in the Key Information document (including Simplified Prospectus), which can be downloaded from the right-hand side menu. Before you decide to invest, you must read this document.