Our risk ratings

More about this...

Overview

NFU Mutual has defined a number of different risk categories ranging from low risk to high risk. Each NFU Mutual fund sits within one of the risk categories.

The definitions for each risk category are shown below. These definitions and the fund descriptions are designed to help you decide which fund is appropriate for your needs.

You should be aware that the value of your investment and any income from it may go down as well as up and you may get back less than invested.

Our risk ratings

High Risk

You're looking for maximum returns on your investment and are willing to accept a high level of risk, with the possibility of extreme changes in the value of your investment and/or income you receive.
You choose and control investment decisions, with an emphasis on speculation.
You accept that you could lose some or all of your money.

Medium / High Risk

You're willing to accept a significant level of risk, with the possibility of changes in the value of your investment and/or income you receive.
You’re looking for the potential of good returns.
You’re happy to invest fully or heavily in equities.
You accept the possibility of large changes in the value of investments.

Medium Risk

You’re prepared to accept risk to your money, with the possibility of some changes in the value of your investment and/or income you receive.
You’re looking for the potential of good returns.

Low / Medium Risk

You're comfortable with some risk to your money.
You want less unpredictability about changes in the value of your investment and/or income than in the Medium, Medium/High or High risk categories.
You accept that other types of investment may provide the potential for better returns.

Low Risk

You want a low level of risk.
You accept the potential for growth is low.
You accept that the value of your savings may not keep pace with inflation.
You plan to invest your money for less than five years.

Take the time
to talk to us

Our Financial Advisers are able to help you better understand the complexities of risk and advise you on investments compatible with your attitude to risk*.

ARRANGE AN APPOINTMENT

* Please note

When you contact us we'll explain the advice services we offer and our charges. NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

For security and training purposes calls may be recorded and monitored.