When you’re deciding how to invest, it's important to remember that the value and income from a fund’s assets will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested. M&G are unable to give financial advice. If you're unsure about the suitability of any investment decision, please speak with a financial adviser. If you don’t already have one, you can find one here.