Choosing an investment fund

There's always a lot of talk as to which funds have performed best over the last few years. This isn't normally a good way to look at investment funds as it only focuses on the funds that have performed well recently. These funds might, perhaps, have had their best days and you could end up being sucked into investing in what may be a short-term high.
The whole point of picking individual funds is that hopefully if one isn't performing well in the future your others might be and visa versa. Keep in mind this is a longer term investment and your portfolio will probably fluctuate to and fro over the period of time.
Generally, funds that are invested in different areas react differently to any movements in the market. (Have a look at our 'Investments' section to see the difference).
In 2008 we saw a large drop in equity values, and a lot of future investment performance will depend on what position the individual funds have taken over recent months.
Following a review of your investments or pensions, your fund might be handed over to a manager of one investment house's managed fund or a selected number of individual managers selected on their performance within their sector. Whichever it is, make sure you're happy with the risk you're taking with your money.
So, there we have it. The advice you receive should reflect your own attitude to Investments risk and should be reviewed regularly.
So, there's no other way of investing money short of using an accurate crystal ball, which none of us have - unfortunately!