....depends on how much control you want to have

You should choose the investment route that best matches your attitude to investing and your plans for the future. There are two investment routes to choose from: lifestyle and freestyle.

Contributions buy investment units that are added to your account. The unit prices vary according to stock market activity so contributions will buy a different number of units each month.

The value of your account depends on the number of units you have and the current unit price. So the value of your account may go down as well as up.

You can access your account and switch funds any time you like (within reason!), free of charge. And once you start investing, you can monitor the performance of your funds online at any time.

If you can't make your mind up, and want to get an idea of what type of investor you are, try our risk questionnaire.