Retiready Stability uses a combination of diversified and complex investments (called derivatives) to help minimise large fluctuations up or down in value. 

Diversification means investing in lots of different investment types (shares, bonds, cash, commercial property) different world regions, different types of companies and different fund managers, in order to reduce the risk of relying on one type alone. 

Derivatives are tools used by our experts with the aim of reducing risk while investing. If you would like to learn more about Derivatives please see Chartered Financial Analyst Institute.

However, there are risks in using derivatives:

• They may restrict the extent to which the fund benefits when markets go up in value. 
• They may also result in falls when markets move in a different direction (up or down) to that expected by the manager.

There’s no guarantee the fund will meet its objectives. The value of this investment can fall as well as rise and investors may get back less than they invested.

Find out more about Retiready Stability