A mixed-assets fund invests primarily in a mix of bonds and equities, combining the strengths and weaknesses of both, achieving a balance of returns and risk. When investing in a mixed-asset fund, members should pay attention to: Major risks include stock market fluctuations, changes in interest rates and currency exchange rates, and credit rating of bonds. Risk level is normally medium to high, though subject to the equity-bond ratio of individual funds. The higher the ratio of a fund’s equity assets, the higher the risks, though such risk can be averaged over longer periods. Selecting a mixed-assets fund with a higher equity ratio may yield better potential returns.