There’s no guarantee of how your investment will perform. In the case of company shares, it depends mainly on the company’s performance, the economic outlook and investor expectations of how the company will perform in future.
With funds, the amount you get back depends on factors including how long you’ve invested for, the mix of different investments in the fund, the performance of those investments and the fees that you pay.
A way to spread your risks is to choose a range of different ‘asset classes’. For example, this might mean choosing a fund that invests in a mix of:
- bonds and property, and/or
- investing in several funds.