Before you invest, it's a good idea to work out:
You should also consider how much risk you're prepared to take - this is because all investments carry an element of risk. This includes things like market risk, where changes in markets cause the value of your investment to rise and fall, and inflation risk, where the real value of your investment falls because it doesn't grow in line with rising prices. A financial adviser can help you think through these points, and recommend a suitable product.
Once you've chosen which product is right for you, you and your adviser can decide how the money in that product should be invested.
Whatever you decide, we offer a range of investments that cater for most attitudes to risk.
You can then see how your investment performs over time, and make changes together with your adviser to make sure you stay on track.
Our products are only available through a financial adviser. If you don't already have an adviser, we can help you to find one.
If you're coming up to retirement, we can help you consider your options and what to expect.
Remember that the value of an investment can go down as well as up. It's not guaranteed, which means you could get back less than you originally paid in.