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Marks & Spencer


Balancing risk & reward

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All investment involves a degree of risk. It’s important that you understand, and are comfortable with, the risks you're taking before making any investment choices.

Investments that offer the potential for higher rewards often come with higher risks, which means there’s a greater chance of losing your money.

With lower-risk investments there is less chance of losing your money, but the potential for reward will usually be less.

Understanding how you feel about investment risk

The way you feel about investment risk will depend on your circumstances and, often, your personality. It’s not unusual for someone’s attitude to risk to change as they get older so it’s important to regularly review how your pension savings are invested. 

Your investment options guide includes a step-by-step guide to help you understand all the things you should consider before making any investment decisions.

Understanding how you feel about risk will help you to decide whether you’re comfortable making your own investment choices. 


Fund specific risks factsheet

This document outlines all the fund specific risks.


Your investment options guide

Find details of your investment options and what to think about when making a choice on where to invest your money.


Your guide to understanding fund specific risks

This guide explains how the funds fit into different risk categories.