Fund risk ratings 

Risk graphic

Why risk matters

Investments usually have some risk attached.

In generally, the more risk you take, the higher the potential returns (but also the risk of losing more).

On the other hand, lower risk funds may seem like the safe, steady options, however if your investments don't grow over time, inflation could eat into the value of your savings.

Your fund choices will ultimately depend on:

  • Your age and when you plan to retire
  • How comfortable you feel about taking risks

Make sure you speak to an independent financial adviser. Check the Unbiased website for more details.

Risk rating: Low

Deposit Fund

Risk rating: Medium

Aggregate Bond Fund

Index-Linked and Global Bond Fund

Risk rating: High

Global Equity Fund

Long Term Growth Fund

Lifestyle strategies

The two Lifestyle Strategies invest in some of the above funds.
Find out more details.