

You need to go onto the website or call the managing company to see what funds you can invest in. Usually there’s a limited number of funds on offer and they are usually pretty conservative so i wouldn’t worry too much.
If you have options to shift to bond indices those might be safer but probably not much safer. If there’s a cash or money market fund those will be mostly safe but I don’t think they’re usually available.











My partner and I are open to having kids (I think she really wants to) but it’s not financially viable right now and it won’t be for a while. This is not acceptable to much of my family who insist they want kids now. Maybe if the family chipped in a bit it would be more viable but if I mention that suddenly I’m greedy. Like sorry grandpa, I would have much preferred to be settled in with children at my age too but you ruined the housing market so now you’ll be lucky if you ever meet my children.