Investment risk indicators are a starting point, showing how much an investment’s value may fluctuate and the potential for loss, but they do not predict returns or guarantee protection. Read the indicator alongside the fund’s objectives, asset mix, charges, recommended holding period and explanation of the main risks. Consider whether you could cope with falls in value and how soon you may need the money, as the same risk level may suit different people differently. Check the latest provider documents and, where needed, seek guidance from a regulated financial adviser; rules and disclosures can change.