Personal

Keep your investment objectives in mind

When choosing the funds that are right for you, you should keep in mind your personal circumstances as well as your needs and investment objectives. For example:

• How long do you have to invest?
• Do you need a regular income stream?
• Are you building a nest egg for the future and need capital growth?
• Is tax-effectiveness a priority?
• Can you afford short-term fluctuations in your investment value in order to achieve higher potential long-term returns?
• Will you need to conserve the value of your capital?

Diversification can help you reduce your overall risk

Diversification simply means 'not putting all your eggs in one basket'. In investment terms, it means holding a range of investments so that you are not reliant on the performance of just one to help you reach your investment goals. The United single sector funds give you access to a broad range of investment managers so whichever fund you choose, you are automatically getting a certain level of diversification. Multi-sector diversified funds on the other hand offer additional diversification, offering a range of asset classes as well as investment mangers.

A note about risk and return

Each fund has different risk and return characteristics, but generally speaking, the higher the potential return, the higher the risk of:

• fluctuations in the performance of the fund, and
• negative returns over short periods of time.

All investing involves some level of risk. How much you are willing to accept will depend on your circumstances. To find out more about risk and return, click here or speak to your licensed financial adviser about the types of investments that are appropriate for you.

This information is general information only and does not take into account your individual objectives, financial situation or particular needs.