All kinds of investments must have their respective risks, some bigger and smaller than the mutual funds. Mutual funds themselves also have risks such as fluctuations in profits caused by money market movements. In addition to the length of time, you should also adjust the risk profile with the type of mutual fund investment that will select. Be careful not to take the risk too high it does not matter. But if you do not dare to invest just because of fear of the risk, you will lose the possibility of enjoying retirement. In the meantime, you can also visit http://brightretirement.co.uk/ if you want to know more about the recommended financial service for pensions.
The sooner you prepare the pension fund, the longer you can provide it. With the same amount, you will collect more funds than those who start preparing it later. You can also prepare the fund little by little so you will feel lighter to set aside some money.