Whether you’re investing through a pension, an investment bond or an ISA, you’ll likely come across investment funds. A fund pools capital from many investors, using it to buy a broader range of securities than any one person could manage alone — while each investor keeps ownership of their own share.
All investments carry some element of risk. The value of a fund can fall as well as rise, and you may not get back the full amount originally invested.
To manage that risk, fund managers diversify — spreading money across different types of shares rather than concentrating on one. The logic: not all shares react the same way to the same conditions. Imagine two companies — one making t-shirts, one making woolly jumpers. A sunny forecast favours the t-shirt maker; a cold snap favours the jumper maker. A manager holding both is protected when one falls, because the other may hold steady or rise to offset it.
The value of investments may fall as well as rise. You may get back less than you originally invested.
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