DIY Investor - The Do-It-Yourself Investing Blog

Mutual funds, or traditional funds, unit trusts and OEICs as they are also known, are ready-made baskets of investments that are either managed by an expert fund manager or automatically track the performance of a specific market or index.

These are single mutual funds where you allow a single manager to decide what mix of assets and countries/regions are best suited for the objective of the mutual fund.

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A world of opportunity

Mutual funds are a simple way to invest in leading companies around the globe with expert help.

The benefits of investing in a mutual fund are:

Typically less risky than buying one or two shares as any change to one share can be offset by the performance of the others within a mutual fund by giving you access to a broad pool of investments
You’ll be letting the expert manage the investments for you
Access investments from around the globe that specialise in a country, a region or an emerging market
Mutual funds can also specialise in different types of asset classes such as equities, fixed income, property or specialist areas such as precious metals or infrastructure
Choose a mutual fund focused on either income or growth depending on your investing goal