Find your level of risk continued Performance of dierent asset classes over 25 years (£1,000 initial investment) adjusted for inflation £5,000 UK equities Bonds Commercial property UK building society £4,000 £3,000 £2,000 £1,000 £0 Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep Sep 91 92 93 94 95 96 97 98 99 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 Stockmarket prices may fluctuate and you may not get back the amount that you originally invested. Past performance is not a guide to future performance. UK Equities shows the performance of £1,000 invested in the FTSE All-Share Index over 25 years with net income reinvested. Bonds shows the performance of £1,000 invested in the FTSE All Stocks Index over 25 years with gross income reinvested. Commercial Property shows the performance of £1,000 invested in the IPD Index over 25 years with net income reinvested. UK Building Society shows the performance of £1,000 invested in a typical building society account (where up to £75,000 of your money is secure through the Financial Services Compensation Scheme, unlike a stocks and shares or fixed interest investment which are less secure) over 25 years with net income reinvested. Source: Morningstar and M&G Statistics, to end Sep 2016. Your personal investment timeframe and your individual to your investment than bonds or property. On the circumstances (for example, your age and stage of life) other hand, cash carries the lowest level of risk, but as will give you an idea of whether it would be appropriate to a result, has historically produced the lowest returns. take more risk in order to achieve your investment goals. We believe that regularly reviewing your portfolio is Different asset classes have different risk and return fundamental to long-term success. profiles. For example, equities may produce the highest long-term returns, but depending on the prevailing economic situation, they may also carry a greater risk 8