Past performance should only be used as a guide. It is no guarantee of future performance.
The value of your investment can go down as well as up and is not guaranteed. You may get back less than you invested.
Charges will reduce returns and can over time have a significant impact on your investment.
Inflation will over time reduce the real value of your investment and any income it produces.
Currency exchange rates can cause the value of investments, as well as any income they provide, to fall as well as rise.
If you transfer or surrender the plan, especially during the early years, you may get back less than you invested.
The investment growth rates used by providers in their illustrations are not minimums or maximums and offer no form of guarantee. The actual returns achieved may be higher or lower than those illustrated.
Different asset classes and funds will perform variedly.
In exceptional circumstances it may take time to realise the full value of certain illiquid assets, such as funds that invest in property.
An investment in corporate bonds is generally less secure than an investment in government bonds due to the greater possibility of default.
