The value of most investments and any income they generate can go down as well as up,
meaning you may not get back the full amount you invested.
This may in part be caused by exchange rate variations where overseas investments are
held. Investors are advised to consider carefully the special risks of investing in
emerging market securities. Investments in emerging markets are by their nature
higher risk and potentially more volatile than those in more established
Most investments should be considered as a medium- to long-term commitment, meaning
you should be prepared to hold them for at least five years.
Some investments have a fixed term or may not be accessible until you reach your
retirement age. For products with a fixed term you may get back significantly less
than originally invested if you make an early withdrawal.
The value of any tax benefits described depends on your individual circumstances. Tax
rules may change in the future.
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