Why pick your own investments?
Whether you're investing into a Royal London pension or Stocks and Shares ISA, taking charge of your own investments can be rewarding if you know your way around.
Picking your own investments lets you choose options that you feel will best support your goals and investment preferences. And you can make changes at any time to make sure they stay on track to meet your future goals, for example in response to what's happening in markets. If you're not comfortable doing this, think about speaking to a financial adviser.
Remember, the value of all investments can go down as well as up, and you could get back less than you paid in.
Choosing investments to match how much risk you’re comfortable taking
A good place to get started with understanding how much investment risk you’re comfortable taking is our risk profiler tool. This can help give you an idea about your attitude to risk.
Once you understand this, it’s easier to see which investment options could be suitable for you.
Generally, the more investment risk you take, the greater the potential for higher returns. However, taking more investment risk also comes with a higher chance of losses.
Similarly, lower-risk investments may offer more peace of mind, but that tends to come at the cost of lower returns. Unfortunately, there's no such thing as a low-risk way to achieve high returns.
When you pick your own investments, you’ll need to:
- Decide how much risk you're comfortable taking
- Keep an eye on your chosen investments to make sure they maintain that level of risk
- Decide if you want to change the amount of risk you're taking at any point. For example, you might want to reduce the amount of risk you're taking as you get closer to retirement.
Royal London’s full fund range
With more than 160 funds to choose from, our full fund range gives you plenty of options.
Managed by Royal London Asset Management
- Over 70 funds
- Managed by our investment management business, Royal London Asset Management
- Access to the skills and talents of its investment managers
- Wide and varied selection of investment styles and markets.
Managed by external fund managers
- Over 90 external funds
- Managed by leading investment houses
- Wide and varied selection of investment styles and markets
- Investment charges for funds managed by external providers may vary.
Further information
Growth rates
Find out more details about our asset class growth rates and our fund level growth.
With profits
Available to our pension customers, with profits is a pooled arrangement that invests in UK and overseas companies, government bonds, property and other types of assets.
Other investment options
Discover our ready-made Governed Range if you're unsure whether picking your own investments is right for you.