Fund risk ratings

Why risk matters

Investments usually have some risk attached.

In generally, the more risk you take, the higher the potential returns (but also the risk of losing more).

On the other hand, lower risk funds may seem like the safe, steady options, however if your investments don't grow over time, inflation could eat into the value of your savings.

Your fund choices will ultimately depend on:

Your age and when you plan to retire
How comfortable you feel about taking risks

Make sure you speak to an independent financial adviser. Check the Unbiased website for more details.

Lifestyle strategies

The three Lifestyle Strategies invest in some of the above funds.
Find out more details.

Also in this section

Each of Railpen Limited (registered in England and Wales No. 2315380) and Railway Pension Investments Limited (RPIL) (Registered in England and Wales No. 1491097) is a wholly owned subsidiary of Railways Pension Trustee Company Limited (Registered in England and Wales No. 2934539). Registered office for each company: 100 Liverpool Street, London EC2M 2AT. RPIL is authorised and regulated by the Financial Conduct Authority for some of its activities. The administration of occupational pension schemes is not a regulated activity. Full details about the extent of RPIL's authorisation and regulation by the Financial Conduct Authority are available from us on request.

Fund risk ratings

Why risk matters

Risk rating: Low

Risk rating: Medium

Risk rating: High

Lifestyle strategies