All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
Most investments should be considered medium to long-term commitment; this means you should be prepared to hold them for at least five years.
The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.