Do-it-yourself. Make your own choices?

For those that don’t require tailored advice the DIY approach is vastly more practicable due to the innovation of fund supermarkets, such as Cofunds or Funds Network. They offer a vast choice, typically 800-1000 funds, and considerable administrative benefits without extra cost (see FAQs for more detail) making DIY with your portfolio of funds very easy (whether PEP/ISAs, your pension fund, particularly if a SIPP, or otherwise).

In addition to the funds below there are undoubtedly other worthy funds that you could comfortably consider, as included within the "The back testing" tables. But many more are not worthy of consideration, and shouldn’t be purchased, or, if you hold them already should be sold and the money re-invested into better funds. "Exisiting funds not good enough?" regarding a review of your existing funds. We would advise you not to become too fixated on historical growth (or losses!) alone, and do carefully consider the degree of risk with which you are comfortable, as set out in "what degree of risk are you comfortable with?", and the funds monthly risk figure (see FAQs “monthly risk”).

The funds are split between those invested primarily in the UK, and those invested primarily overseas.

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