Consumers in the UK are making investments without understanding the full risks, it has been claimed.

Keith Churchouse, director of Churchouse Financial Planning, asserts that many Britons are lured into investing by "jazzed up" advertisements.

Secured loans may be a more reliable means of acquiring extra funds in the short-term, with a definite repayment period identified from the outset.

"A lot of people do invest without understanding the full risk and advice is very important at that stage," observes Mr Churchouse.

He adds that there are potential pitfalls due to currency fluctuations even when an investment fund appears to be performing well.

"Some people don't understand that and go into funds not willy-nilly, but they do go into funds when they really shouldn't," he concludes.

Recent research from Barclays found that many investors are seeking more stable returns for their money.

Britons looking for a short-term increase in funds but without spare money to invest could instead opt for a secured loan to unlock the equity held in property.ADNFCR-1287-ID-18337518-ADNFCR

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