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Making your investment choices

If you decide to pick your own investments, there are a few things you should think about.

Spreading your investments

Most experts agree success is down to the mix of things you invest in, like property, cash and equities. If one suffers, you might not be so badly hit because your eggs aren't all in one basket. An adviser can help you pick a mix of investments that's right for you.

Picking funds that match how you feel about risk

The more risk you're ready to take, the bigger returns you could get - and the more you could lose.

Lower-risk investments give you more security but lower returns. Sadly, there's no such thing as a low-risk route to high returns.

You'll need to decide how much risk you want to take with your pension savings. And watch your portfolio to make sure it doesn't open you up to more risk (or less) as time goes on.

Watching your investments

If you're in charge, you'll need to keep a close eye on your investments to check they're doing what you need them to do.

If markets dip, you can limit the damage to your savings. And if you spot potential, you can take advantage.

But don't overdo it. Investing is a marathon, not a sprint.

For detailed information and to work out your personal requirements you should please speak to your financial adviser.

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