Is one fund better than another ?

The answer is that no one has got the best investment fund because they are as individual as the person taking them on – you! The best pension or investment funds should fit with your own personal exposure to the markets, whether they’re equities, fixed interest and property amongst others. It’s about how comfortable you feel about investing in certain markets.
So, we could have one person with 20% exposure to UK Equities and the next client more comfortable with 80%. This all links back to the financial review process that each client should receive from their Independent Financial Advisor (IFA).
It could be argued that now is to be the best time to invest in equities because the market is cheap.The other aspect of investment is timing. Any investment should run for at least five years.
A good mix of pension or investment funds comes from either a good managed fund, or if you are more comfortable with it, a list of more specific funds.
At the end of the day, your pension and investment plans need to be reviewable and competitively charged.That’s why it’s essential to discuss your situation with an IFA.