As with most investments, it is possible for you to lose the principal investment and returns are not guaranteed. That’s why it’s important to be honest when you’re signing up with us. If your portfolio manager has accurate information, they can create an investment portfolio for you that matches your lifestyle, risk profile and financial goals. Learn more about why stock prices sometimes go down here.

When your money is invested, there’s always a chance of loss or gain. The probability of a loss and the size of that potential loss is what we call risk. Taking greater investment risk has historically been rewarded with higher expected returns in the long run, though in any given period that will not necessarily be the case. It is impossible to know what actual returns will be in advance (though there is greater certainty the lower the level of risk taken).

To understand the types of risk and return of various asset allocations using broadly diversified funds, you can refer here.

We think it’s important to mention that a huge part of the value of using Moka is the technology that allows you to easily put aside money so that you do not spend it. There is evidence within the emerging fields of behavioural finance that this kind of approach can have a positive impact on outcomes for savers and investors.

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