Identifying the best possible funds

Fund selection, and how you do this, both initially and as part of an ongoing service, is a key objective behind this guide, and the analysis is a two part process, see "How we identify the top funds".

Firstly we apply our statistical analysis (the objective test) to build a short list within a sector. Secondly we apply our subjective test, taking into account other matters based on years of experience, to narrow this down to the very best of the TopFunds - these are our “do-it-yourself” funds section, and the "Model Portfolio" section.

You can use the funds we identify to help you achieve better than average performance in a number of ways:

• Building a portfolio

• Constructing a SIPP/pension portfolio

• Buying your ISA for this tax year

• Transferring an existing PEP or ISA that isn’t good enough

• Using our selected funds as a benchmark to test your existing holdings

The wide range of our recommended funds are all available under the administrative umbrella of Cofunds, whether for new ISAs and PEP transfers, or fund purchases outside ISAs, or for building a portfolio within your pension fund or SIPP - this Cofunds facility offers significant advantages at no extra cost to you.

However you normally buy your funds, and within whatever wrapper, you should be able to use this guide to help you invest into, and stay in, the best possible funds.

But now we must return to the start of the process - suitability and risk.

Staying in the best possible funds - OUR FREE SERVICE

Starting with the last part of the process, staying in the best possible funds requires an ongoing service - see more in "Existing funds not enough" about our service, with considerable immediate and ongoing benefits. For example, a free review of existing funds, plus continuing monitoring and alerts. So unless your existing adviser (if you have one) can match our service, there is nothing to lose by getting in touch with us now, and much to gain.

As always, thank you for your first class information and advice....
[read more]