Learn more about investing

It’s important to understand what investments are and how they work. Your guide to investing provides a useful introduction to the basics.

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.

Our guide to risk and reward includes a step-by-step guide to help you understand all the things you should consider before making any investment decisions.

For more information on your investments, see Your guide to investing. You can also view detailed information about all the funds available, such as up-to-date fund performance, by logging into Manage Your Account, or by looking at the fund factsheets available on Your investment range page.

How your retirement savings are invested can make a big difference. So, it’s important to make sure you’re invested in a way that reflects your circumstances and goals. We offer a variety of investment funds with varying levels of responsible investing approaches incorporated. See our Your guide to investing for more details. You can find out more detail on the responsible investing page.

It might seem a long way off, but working out how much you’ll need (or want) in retirement will be an important factor in helping you decide how much to pay in and where to invest it.

Our Retirement Living Standards tool helps you understand how much you’ll need to live on in retirement.

Based on the retirement living standards from Pensions UK, it helps you work out what your retirement might cost based on three lifestyles and allows you to tailor your living costs to your own needs.

If you want to learn more about the retirement living standards, visit retirementlivingstandards.org.uk.

The amount of time until your selected retirement age could influence the amount of risk you’re prepared to take. For instance, the further away it is, the more risk you might be prepared to accept. Similarly, you may want to take less risk, the closer you are to retirement. 

Are you prepared - or able - to accept a fall in the value of your retirement savings in return for the possibility of greater longer-term returns? Or would you prefer more predictable, although potentially lower, returns?

If you want help with making your own investment choices, you should speak to a financial adviser. Tesco and Legal & General can’t provide financial advice.
Financial advisers usually charge a fee for their services, but it will be personal to you and your circumstances. Please Guidance and financial advice for information on the options available to you.