Understanding the time horizon or timeframe for your investment plays a key role in determining the amount of risk you may be able to take, although you may also wish to consider your risk appetite as this may play a part too.

Longer time horizons, five years or longer, generally allows for a higher tolerance for risk as there is more time to ride out market fluctuations and potentially earn higher returns.

Shorter time horizons, five years or less, typically require a more conservative or balanced approach with lower-risk investments to protect capital.

Fundlater is designed for investors with longer term time horizons, five years or longer, and therefore the available portfolios do come with higher levels of risk but also the potential to achieve higher returns.

You can view the investment portfolios and their suggested timeframes below: