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Your Home is at risk if you do not keep up any mortgage or payments secured upon it!

You should remember that past performance is not necessarily a guide to the future. Market and currency movements may cause the value of units, and the value derived from them, to fall as well as rise and you may get back less than you invested when you decide to sell your units. The tax treatment of investments and pensions is not guaranteed and may change in the future.  

Definitions :- Gilts, Cash, Property, Corporate Bonds and Equities.

UK Equity:- Equities (shares) have historically provided high returns over the mid to long-term. However equities tend to be volatile over shorter periods and the uncertainty over the future movements of their prices make them a riskier investment than some other asset classes.

Property:- Property funds (normally commercial property) enjoy relatively low volatility and provide good, reasonably stable returns over the mid to long-term. They also provide good diversification from equities.

US Equity:- These potentially offer a more diversified portfolio than UK based equities. Exposure to the world`s largest economy can offer the prospect of higher returns, but also a higher level of risk than UK equities. These funds are also subject to movements in currency exchange rates and these factors in combination lead to above average short-term price fluctuations.

Cash:-Bank deposits are virtually risk free. Returns are likely to be more modest than equity based funds and are without inflation protection but the basic capital is protected from any loss.

European Equity:-Not totally correlated to UK markets and therefore providing diversification. Potential exposure to smaller emerging markets can offer the prospect of enhanced returns but a higher level of risk than UK equities. Affected by movements in currency exchange rates and therefore subject to short-term volatility.

Other Global Equities:-_(Far East, South America, Russia etc):- Exposure to these markets is higher risk due to both currency and political risk. Historically they have experienced dramatic price movements but these higher growth economies provide potential for higher future returns. Global equities also provide diversification from UK, US and European  equities.

Fixed Interest:-This asset class includes both gilts and corporate bonds. In simple terms they are loans on which a fixed rate of interest is paid. Gilts are issued by the British Government and are considered one of the safest forms of investment. Gilts provide a good diversification from equities but returns are generally more modest. Corporate Bonds are issued by companies. They are considered riskier than gilts but pay a correspondingly higher interest rate to investors. Bonds are negatively correlated with equities and so provide diversification.

These asset classes are not guaranteed to perform this way in the future.