About risk and return
Risk is about balancing the chance of a loss with the benefit of a higher return over time. Investing tends to work better over the longer term (through the ups and downs of markets) so you should aim to invest for 5 years or more.
Individual equities (shares) usually carry a higher level of investment risk, which often means that the potential for growth is greater, but there’s also a greater possibility that your investment might fall.
Cash funds, on the other hand tend to carry lower risk, but with that comes lower potential returns.
Your tolerance for risk will help you decide which investments to choose.
In setting up your Invest@Work account we will provide you with a small range of investment options to consider, at different levels of risk. These might be helpful to get you started. When your account is open, there are more tools and guidance to help you.