Investing in Funds

There are a lot of funds out there - certainly the number is in the thousands. Given that this means there are more funds than there are listed shares on the FTSE, how do you go about working out where to invest your money in a fund, which fund to invest in, and indeed find out more details about the funds themselves?

There are also different types of fund, for instance pooled funds. These are things like unit trusts, and they hold a range of investments, and then people who buy into the fund - their investors - in turn, have a share of that fund. As you would expect, the more you invest relative to others, the more or less you have relative to that other holder, based on the amount you have purchased.

One of the best ways to work out what type of fund to invest in is to go by the name of the fund. That's because funds are not just split by sector as with the stock market, but are often marked according to what the purpose of the fund is to. For instance if it is a potentially quite risky fund that wants to grow at speed then it might be called a 'Growth' fund, whilst one that is there just to tick over and gradually build up over time would have a more moderate title in line with its objective.

How does a fund make people? Well assuming that the investments that make up the fund do well, then there will be income generated by the investments, and of course if those investments pay dividends and similar then that comes back to - so there is capital growth and the amount generated by the investments.

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