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.
Any investment should be considered as a medium to long-term investment - so should be held for at least five years.
The value of the tax benefits depends on your individual circumstances - and tax rules may change at any time in the future.
The information on this site definitely isn't advice - we don't give financial advice. If you need any, you should speak to an independent qualified financial advisor.
If you apply direct, without first receiving advice, you won't be protected by the FCA's rules on assessing suitability.