There are thousands of investment funds to choose from and they are divided into different types or sectors. You can buy funds that invest in shares, corporate bonds, gilts, commodities and property among other things; they will also typically have some form of geographical focus.

The wealth of choice means you can target any theme you choose but making the selection can be a baffling process and, to complicate matters, funds are typically divided into two categories: active and passive.

Some funds are passive. That means that there is no stock picking involved, the fund simply buys the shares or market represented and therefore tracks it ? for example, a fund that mirrors the FTSE 100. These funds will essentially deliver similar returns to the index or stock market they track.

An active fund on the other hand has a manager buying and selling assets, attempting to beat the market.

Please contact us for more information about how we can help you to build your own investment strategy and gain a sound understanding of asset allocation and the 5 main types of risk that your money could be subject to and how our services can help you to make excellent investment decisions.