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Fund investing

How does investing in funds work?

Investing in a fund effectively means that you pool together your money with a number of investors.


A professional fund manager or multiple managers who look after the fund will invest in asset classes on behalf of you and other like-minded investors. 

Depending on the fund, it will also invest in various regions and sectors. Assets the fund may invest in range from cash to government bonds and equities to property depending on the specific investment objectives of the fund. The funds can also offer access to shares listed on foreign stock markets which may not usually be accessible to individual investors.


Some funds may invest across multiple asset classes (and the manager can sometimes invest with other specialist managers).

Risk warning

The value of investments, and the income from them, can go down as well as up and you may get back less than the amount invested. Please refer to the risk factors in the prospectus for general and specific investment risks attached to the individual funds.

These approaches are referred to as ‘multi-asset’ and ‘multi-manager’ - which simply means as an investor you do not risk putting all of your eggs in one basket.

Leave it to the experts

It’s important to remember that the managers responsible for the fund will make all of the investment decisions for you. It is their job to continually research and analyse the investments and make adjustments when necessary.

Fund managers will monitor the day-to-day performance of shares or of an individual company which the fund may be invested in. They will also adjust the fund portfolio and make changes when necessary; for example if any companies or shares are under-performing.

The important point to remember is that assets such as stocks and shares can fall or rise in value and with investments, there are no guarantees of performance and returns.

Before deciding where to invest, you should read and understand the Key Investor Information Document (KIID) which you can find alongside all of our fund options.  

It is also worth considering some other points when it comes to investing in funds:

  • What type of investments does the fund hold? Government bonds, property, company shares or a mixture of all? Be clear on what the fund is investing in.
  • It is worth assessing how the fund has performed historically but remember that past fund performance does not guarantee future fund performance. Also, consider how it compares with other funds. Understanding the performance of the fund is crucial to making your investment decision.
  • How risky is the fund? Is it investing in volatile sectors or markets? Make sure you are happy with the level of risk the fund poses. You can find this information on the KIID document.
  • What are the fund charges and how does this compare with other similar funds? When you invest with us, there will be a charge known as the ‘Ongoing Charges Figure’. There may also be initial charges, as well as the cost of buying and selling stocks for the funds. This should be factored in to your investment decision.

Step 2

There are a number of ways you can begin investing with Aberdeen. If you’re ready, choose where to invest your money and the funds which are right for you.

Choose funds

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If you would like help with any aspect of our service, our customer support team is here to help. For general enquiries please call: 0345 300 2890.

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