Updated 10 March 2017
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The value of an investment can fall as well as rise for a number of reasons, for example market and currency movements. You could get back less than originally invested.
The value of an ISA will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested. An investment in a stocks and shares ISA will not provide the same security of capital associated with a cash ISA. The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
Remember that, whether held as part of an investment fund or on its own as part of your self-invested element, property and land can be difficult to sell. Therefore, funds from your plan, whether on death, transfer or retirement may not be immediately available because of the time it takes to sell/cash in the assets.
This is particularly important as you approach retirement – if there’s a delay in selling assets then you might not be able to take your benefits when you had planned to. For this reason, if you’re 65 or over you can’t buy commercial property through our SIPP.
Property investments, like any other asset class, can go down in value as well as up. The value of properties is determined by independent valuers appointed by a fund manager and is generally a matter of their opinion rather than fact.
We base the risk rating for each fund on its risk relative to other funds in our full fund range. It's not its risk compared against industry benchmarks. We regularly review the risk ratings, so they can change.
Investment funds do not have the security of capital which is characteristic of a deposit with a bank or building society
For advice as to whether a fund is suitable for you, please speak to your financial adviser.