Mutual Funds

Introducing Mutual Funds

Mutual funds are collective investments that pool investors’ money to buy and sell shares or other assets to maximise profits and reduce risks.

Types of fund are Unit Trusts, Open Ended Investment Companies (OEICs) and Investment Trusts.

Investment funds deliver an instantly diversified investment with decisions made by a professional fund manager.

There are over 2,000 unit trusts and OEICs available in the UK, split between asset class, geography and sector.

Some funds seek to deliver income; others reinvest to deliver capital growth.

Since RDR the cost of ownership of actively managed funds – the ongoing charge figure, or OCF – has reduced by up to 50%.

About Mutual Funds

 

Simple – a readymade investment portfolio.

Choice – 2,000 unit trusts and open ended investment companies (OEICs) to choose from.

Easy – available via a range of investment platforms and fund supermarkets.choice
Diverse – funds spread risk to deliver diversified exposure to a variety of asset classes and industry sectors.

Expert – run by an investment professional who seeks to outperform the market.

Powerful – buying power can often achieve preferential terms.

Scope – exposure to most countries, regions, sectors, and asset classes.

Flexibility – ‘income’ funds make regular cash distributions of dividends, ‘growth’ funds reinvest and increase the unit value.

Cost effective – cheaper than buying similar exposure individually, and since RDR the cost of owning funds has fallen.

Transparent – the unit price of a fund is the value of the assets held (NAV) divided by the number of units.

Easy to research – KIID documents deliver all required investment and pricing data – see also DIY Investor.

Inside Mutual Funds

 

Inside Mutual FundsWhat are Mutual Funds?What is a Unit Trust?What is an OEIC?Selecting a Mutual FundFunds - the FactsInvesting in Funds

Inside Mutual Funds

 

We look at how mutual funds work and why you might consider them as part of your your investment portfolio.

We describe the differences between unit trusts and Open Ended Investment Companies (OEICs) and consider the benefits of a professionally managed portfolio that is instantly diverse in terms of the asset types and sectors it invests in.

Mutual funds can deliver income or capital growth and the large number of products available mean that you should be able to find the market exposure you want with an exposure to risk you are comfortable with.

DIY Investor suggests some of the key factors that may inform your choice and a wide range of investment managers share the vision diy metal3they have for their fund and why you might consider investing in it.

What are Mutual Funds?

 

Mutual funds are collective investments that pool investors’ money to buy and sell shares or other assets to maximise profits and reduce risks.

Different types of fund are Unit Trusts, Open Ended Investment Companies (OEICs) and Investment Trusts and they may concentrate on a particular market, asset class or sector.

Mutual funds deliver an instantly diversified investment with decisions made by a professional fund manager.

There are over 2,000 different unit trusts and OEICs available to investors in the UK, split between asset class (equities, fixed income and property), geography (UK Equity, North America and Emerging Markets), and sector (agriculture, energy and technology).

An investor can choose between funds that seek to deliver income and those that reinvest to deliver capital growth.
Since the 2012 Retail Distribution Review the cost of ownership of funds – now known as the ongoing charge figure, or OCF – has reduced by up to 50%.

 

mutual fund

 

 

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What is a Unit Trust?

 

Unit Trusts are collective investments, actively managed by an investment  professional who seeks to deliver market-beating performance based upon the quality of their investment decisions; they can be used by the DIY investor to cost effectively build a diversified portfolio of investments.

A fund may have investments in 50 or even 100 different companies in its portfolio, allowing you to obtain exposure to multiple stocks or bonds more simply than investing directly in the market yourself.

Unit trusts also provide access to asset classes that may otherwise be difficult to invest in, such as property, as well as in built diversification.

Unit trusts invest in a wide range of geographic markets, different asset classes in a range of industry sectors and can be bought and sold via most investment platforms.

Funds invest in one or more of the main asset classes – shares, bonds, property, cash and derivatives with differing weighting applied to each, and deliver a ready made investment portfolio.

 

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What is an OEIC?

 

An Open Ended Investment Company (OEIC) is broadly similar to a unit trust in that it is an open ended collective investment that expands and contracts the number of units in circulation according to demand.

Unlike a unit trust, each OEIC operates as a limited liability company, quoted on the London Stock Exchange and unlike the ‘unit holders’ that invest in unit trusts, those that invest in an OEIC are ‘shareholders’ in that investment company; because of this structure, OEICs are governed by company law rather than trust law.

Most new funds that are launched are established as OEICs and over time it is believed that many unit trusts will adopt the company structure.

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Selecting a Mutual Fund

 

An important first step for the DIY investor is to construct a financial plan.

Before you start selecting funds, that means deciding just what your investment goals are, deciding on your investment horizon, and perhaps most importantly making a judgment on the level of risk are you able to accept.

As rule of thumb, the further away your objective, the more risk you can accept in your portfolio, but it’s important you can sleep at night – never take on more risk than you are comfortable with.

By building a diversified portfolio you can protect against market volatility and ensure you benefit from growth stories wherever they occur.

Consequently, a well constructed portfolio will offer exposure to different shares, bonds, markets and sectors.

That can sometimes be difficult for investors to achieve – especially when they are starting out and beginning to build that portfolio; fortunately funds offer a solution since each one delivers a readymade diversified portfolio.

If you decide that investment funds are going to form at least part of your portfolio construction, there’s a wide choice available that can help you to achieve your goals.

 

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Funds – the Facts

 

A fact sheet is a key document that allows investors to understand a fund’s objectives, major holdings, investment strategy, costs and historical performance; to some it may suggest the future potential of the fund.

Fact sheets are available on issuers’ websites, they can be found on fund supermarkets and investment platforms and the DIY investor could do well to spend some time getting to grips with these important documents so that they are able to objectively research and compare and contrast funds they are considering.

 

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Investing in Funds

 

Many of those new to DIY investing start by assembling a portfolio of funds and investment trusts achieving instantly diversified investments at a reasonable and transparent cost.

Some prefer to let the experts take the strain and buy an actively managed fund while others will seek to track a certain index – some follow popular markets such as the FTSE100 whereas others will look for more esoteric global opportunities.

Investing in a tax-efficient ISA wrapper is rarely a bad idea as it is one of the few opportunities the DIY investor has to make money whilst paying very little tax, and those advantages are explored elsewhere on this site.

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21st


Nov

6 of the best investment solutions for your capital

Harneet Bhari of SAMT AG considers funds, equities, gold, property, bonds and passives

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25th


Oct

How Investment Trusts can Help you Seek Income and Growth in Europe

International diversification may be the way to diminish inherent market risks post Brexit

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22nd


Sep

Smaller companies – bigger returns?

Liz Rees of Willis Owen looks at companies outside of the FTSE 250 and those on AIM

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21st


Sep

Vanguard target DIY investors with active bond fund

US giant increases the pressure on UK brokers and asset managers with active fixed income bond

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18th


Sep

Investment styles – is there a catalyst for change?

Liz Rees of Willis Owen looks at the different investment styles adopted by funds and what may

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17th


Sep

Focus on Funds: How to select a fund

Georgette Harrison says there is some thinking to do before you get to the point of selecting a fund

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15th


Aug

Is it all doom and gloom for UK domestic cyclicals?

David Smith of Henderson High Income Trust sees opportunities due to low valuations for UK domestics

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8th


Aug

Lifting the lid on Multi Asset Funds

An overview of the Multi Asset sector from Liz Rees, Head of Research, Willis Owen

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8th


Aug

Active versus passive investing – selectivity required

Janus Henderson Investors believes that active management is key to achieving investors objectives

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27th


Jul

AIMing For Something Different

Henderson Opportunities Trust seeks out opportunities in the small-cap sector

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21st


Jul

The FCA Asset Management study: missing an open goal

TCF Investment's DAN Norman says sunlight is a great disinfectant

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19th


Jun

Introducing Janus Henderson Investors

Janus Henderson Investors exists to help clients achieve their long-term financial goals

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13th


Jun

Reform and structural change in India

Avinash Vazirani of Jupiter India Fund believes favourable circumstances there can deliver

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10th


Jun

UK Election 2017 – risks and opportunities

Janus Henderson investment experts look at the impact on their asset classes

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26th


May

Moore on Personal Finance: Ahead of the General Election

Francis Moore looks at the 'dementia tax', active vs passive investing and strolls down memory lane

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23rd


May

Why we are ‘short’ the US

The US stock market is presenting some interesting opportunities for Jupiter’s absolute return

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20th


May

The foundations of investing in infrastructure

Seeking income: Fiona Liu of Willis Owen looks at what to consider when investing in infrastructure

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13th


May

Simple DIY Investing with Vanguard LifeStrategy Funds

A Low-cost, Flexible Investment Strategy for Life just got cheaper

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12th


Apr

High Five: Simple Rules for Successful Investing

FT journalist David Stevenson shares his five rules for successful investing

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27th


Mar

Europe in a world of ‘alternative facts’

Henderson's Tim Stevenson says Europe is in the eye of a very unfamiliar storm

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20th


Aug

Are property funds still worth considering?

Willis Owen Research Analyst Fiona Liu looks at property funds post-Brexit

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21st


Jul

Brexit – Initial Reactions From Jupiter Asset Management

Jupiter's Fund Managers Look at the Likely Effects and Opportunities Arising

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21st


Jul

Brexit – Initial Reactions From Jupiter Asset Management

Edward Bonham Carter, Vice Chairman

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6th


Jul

Shades of 2008 as Brexit Gives Property Funds the Collywobbles

Portfolio valuations slashed and funds 'gated' as investors rush to sell

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15th


Jun

Not Shaken, Not Stirred: Woodford Pledges to Keep Calm and Carry on – in or out

It will be business as usual in Oxford as he won’t be changing a single constituent of his

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1st


Mar

Going Global in the Hunt for Sustainable Dividends

Good quality companies can now be found paying dividends in a range of sectors around the world.

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26th


Feb

In ISAs we Trust

The case for investment trusts in your ISA portfolio

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10th


Feb

Now is the Time to Become a D.I.Y. Momentum Investor

How Saltydog's fund analysis helps momentum investors

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17th


Jan

Investing in Funds

How to purchase unit trusts and OEICs in the most cost-effective and tax-efficient way

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17th


Jan

Funds – the Facts

DIY Investor shows you what information is included in a fund fact sheet and how it can aid your

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19th


Dec

What is an OEIC?

DIY Investor's introduction to Open Ended Investment Companies

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19th


Dec

What is a Unit Trust?

DIY Investor's introduction to unit trusts

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17th


Dec

What are Mutual Funds?

DIY Investor's introduction to Unit Trusts and Open Ended Investment Companies (OEICs)

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5th


Nov

Retirement Realities: What Lies Beneath the Income Gap?

A recent survey has revealed the gap between expectations and reality in retirement.

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27th


Oct

Stronger Together – Selecting an Investment Fund

DIY Investor looks at some of the options available to those considering investment funds.

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20th


Oct

The Road to Becoming a D.I.Y. Investor is Paved with Good Intentions

How Saltydog's fund performance analysis helps you make smart investment decisions

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15th


Oct

It’s all a Matter of Trust

How well managed investment companies can deliver the right balance of income and growth.

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14th


Feb

Bonds vs Bond Funds

DIY Investor looks at the relative merits of different ways of buying exposure to bond markets

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26th


Jan

Outlook 2015 – Jupiter Small and Midcap

Why the bright outlook for the US economy should benefit small and mid-sized companies

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26th


Jan

Outlook 2015 – Jupiter Multi Asset

Equities the investment of choice as US and UK economies grow and interest rates normalise.

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26th


Jan

Outlook 2015 – Jupiter Distribution Fund

An optimistic picture for UK companies and opportunities for income.

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26th


Jan

Outlook 2015 – Japan – Jupiter Asset Management

The dynamics for the Japanese equity market look attractive for 2015.

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26th


Jan

Outlook 2015 – Jupiter European Special Situations Fund

With low economic growth the central bank fights deflation and a strong currency

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26th


Jan

Outlook 2015 – Jupiter Emerging Markets

Emerging markets may have lost their shine, but is caution already priced in?

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23rd


Mar

Bonds VS Equities

Where do you choose to invest when everything looks expensive?

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