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 investments and the income from them do go up and down. So how much your investments are worth will fluctuate over time, and you may not get back the original amount you 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 range of multi-asset funds, which provides a one-stop option for investing in multiple asset classes. Alternatively, if you want to see everything M&G has to offer, see our handy fund selector – designed to let you view our entire range in one place.
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.