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Boost the chances of maximising your ISA returns by choosing funds the experts have selected
When it comes to choosing what to invest this year’s ISA in, wouldn’t it be nice to be given a short-list of funds that the experts have the most faith in?
Wouldn’t it be good to know that the funds you have chosen for your ISA are ones that are managed by experienced investors with the ability to potentially add real value over and above market performance?
And, when you’re faced with a choice of over 2,000 funds, wouldn’t it be nice to get some help in whittling the numbers down so you get the best of the best for you?
Well, you’re not alone. A little while ago we got a clear message from our customers. The message was to come up with a short-list of the funds that we really believe in, and that our customers can have faith in.
So we did just that.
We asked our fund selection experts, the multi-asset and multi-manager investment group that sits behind our personal investing service, to come up with a list of funds that was closely aligned to those they were recommending for Fidelity’s funds of funds.
As a result Select 50 was born. It’s a collection of the funds in which our analysts have the highest conviction and it’s our most-focused preferred funds list ever.
The fund selection process that is used to choose the companies that make up Select 50 is one that we believe can consistently deliver a list of high-quality funds managed by experienced investors, with the ability to add real value over and above market performance.
Making your choice from Select 50 is made simpler still because we have grouped the 50 funds into just eight categories. So you choose whether you want to invest in Asia and Emerging Markets, Bonds, Europe, Global Equity, Japan, North America, UK or Other (which includes absolute return funds, property and commodities).
Of course, as with all best buy tables, there will always be good funds that didn’t make it onto the final list. So if you already own a fund that is not on Select 50 we are definitely not saying you should sell it.
Going back to what our customers want again, we also understand that investment integrity is crucial but not the only important factor when choosing funds. Cost is also important, and so too is access to high-quality information about funds and access to their managers.
Because of that, we have added in a second element to our fund selection process. We have gone out to our fund providers (including Fidelity, which we treat no differently from any other manager) to negotiate the best possible deals for our customers.
So by tapping into the wealth of expertise that has gone into selecting the funds in our Select 50 list of best buys, you can make this year’s ISA investment even more rewarding.
The value of investments, and the income from, them can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. Investors should note that the views expressed may no longer be current and may have already been acted upon.
This information and Select 50 are not personal recommendations for any particular investment. Equally, if a fund you own is not on Select 50, we're not recommending you sell it. You must ensure that any fund you choose to invest in is suitable for your own personal circumstances. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
Investments in emerging markets can be more volatile than those in other more developed markets. When investing in overseas markets, changes in currency exchange rates may affect the value of your investment.
There is a risk that the issuers of bonds may not be able to repay the money they have borrowed or make interest payments. When interest rates rise, bonds may fall in value. Rising interest rates may cause the value of your investment to fall.
Property and land can be difficult to sell so an investor may not be able to sell /cash in this investment when they want to. The value of property is generally a matter of a valuer's opinion rather than fact.