It's generally agreed that the purpose of investing is to create wealth to let you do what you want in the future. Maybe that's retiring comfortably, taking the holiday of a lifetime or putting your children through university.
When you're investing, it's important to understand your investment goals as well as the level of risk you're happy to take on. Knowing all this will help you decide what you want to do with your money and how you want to invest it.
Most investing involves at least some level of risk, so spreading your investments across several asset classes (otherwise known as 'diversification') can help to reduce the effects of sudden market fluctuations on your portfolio. Find out more about risk
You may also find it helpful to know that it's a good rule of thumb to have three months of income easily available to fall back on in case of unexpected bills or other unforeseen circumstances (that's why investing isn't right for everyone all of the time). If you are very risk adverse in general, there are a number of other cash options available. For example, the National Savings and Investments (NS&I).
You may also find it helpful to keep informed with our Q&As and videos from the fund management floor or read our commentaries from across the industry to help you with your investment decision. View our investment insights
When you’re deciding how to invest, it’s important to remember that the value of the 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. Unfortunately we're not able to give any financial advice. If you're at all unsure about the suitability of your investment, please speak to a financial adviser.
If you decide that you do want to invest, we offer a wide range of funds, including multi-asset funds which provide a one-stop option for investing in multiple asset classes. To see everything M&G has to offer, our fund selector tool has been designed to let you view our entire range in one place, together with handy filters to assist you with choosing the right fund(s) for you.
Cash investments include any money that you keep in bank accounts, and may be able to help you achieve your short-term financial goals.
At M&G we don't offer a Cash ISA or any cash funds, so if you wish to invest in cash you will need to consider alternative ways to invest in this asset class.