{"componentChunkName":"component---src-templates-blog-post-js","path":"/learn/articles/smart-isa-income-investments-for-2026-funds-and-strategies-for-taxfree-returns/","result":{"data":{"post":{"enableComments":null,"enableGatedContent":null,"gateStyle":null,"hideRelatedContent":null,"noIndexExternal":null,"emailSignupWidgetTitle":null,"emailSignupWidgetImage":null,"emailSignupWidgetParagraphText":null,"textNextToKey":null,"emailSignupWidgetButtonText":null,"brazeCustomAttributes":[],"emailSignupWidgetTextboxPlaceholder":null,"_rawGatedContentBody":null,"_rawGatedContentReadMoreText":null,"id":"-0f3f7e3b-eb35-52a9-907f-fb2605843850","_id":"62a69051-dad2-4c2f-9855-81e465e546db","_rev":"uqKP1CJoSsgXdCXPUvD7AW","_updatedAt":"2026-02-27T14:52:32Z","publishedAt":"2026-02-27T09:32:19.101Z","_type":"post","categories":[{"_id":"39d2ca7f-4862-4ab2-b902-0bf10f1d4c34","title":"ISA - Stocks and Shares ISA"},{"_id":"73fddf86-91d0-45eb-adf5-638de6442300","title":"ISAs"}],"mainImage":{"blankAltTag":true,"crop":null,"hotspot":null,"asset":{"_id":"image-5c7d07a8a844c1f06195282ad58a117d4fe5ec3d-1920x1080-png"},"alt":null},"title":"Smart ISA Income Investments for 2026: Funds and Strategies for Tax-Free Returns","subtitle":null,"template":"C-SB","hideSocialIconsTop":null,"slug":{"current":"smart-isa-income-investments-for-2026-funds-and-strategies-for-taxfree-returns"},"_rawExcerpt":[{"_key":"15027a5b798a","_type":"block","children":[{"_key":"cb03bbb5b514","_type":"span","marks":[],"text":"Dividend yields are falling and corporate bond spreads are tight. Here are the best ISA income funds for 2026, from global equity income and UK smaller companies to short-duration bonds and asset-backed securities."}],"markDefs":[],"style":"normal"}],"_rawAuthorsText":null,"_rawBody":[{"_key":"ea11e6ecb7bb","_type":"block","children":[{"_key":"f641574413ef","_type":"span","marks":["strong"],"text":"ISAs remain one of the most effective vehicles for building a tax-free income stream, but finding reliable returns in 2026 is harder than it was. FTSE 100 dividend yields have dropped below 3% for the first time in nearly 20 years, and corporate bond spreads are close to multi-decade lows, leaving income investors with less margin for error. That doesn't mean opportunities have disappeared — but it does mean they require more careful selection. 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With that in mind, one option for this year might be a value-focused global equity income fund. James Harries, co-fund manager of STS Global Income & Growth, has largely swerved the large, highly-valued technology names, preferring high-quality, predictable companies that provide downside protection. "}],"markDefs":[],"style":"normal"},{"_key":"9fc0d47b434f","_type":"blockQuote","adviserName":"James Harries","jobTitle":"Co-fund manager, STS Global Income & Growth","quote":[{"_key":"814dd2187540","_type":"block","children":[{"_key":"8037fd8d6114","_type":"span","marks":[],"text":"We seek well-financed businesses that don’t need a lot of money to run the business. They typically have attractive margins, high returns on capital and sufficient funds to maintain operations, protect competitive advantages, support brand health and importantly, pay dividends. We favour sectors including branded consumer goods, healthcare and selective strong software businesses, despite current sector controversies. We also prefer high-quality industrials and non-bank financials, which are typically less leveraged and more predictable."}],"markDefs":[],"style":"normal"}]},{"_key":"de713ce1f6ad","_type":"block","children":[{"_key":"f68359c4ee4e","_type":"span","marks":[],"text":"He says that investors don’t have to pay up for these qualities in today’s market: "}],"markDefs":[],"style":"normal"},{"_key":"5583ace3987e","_type":"blockQuote","adviserName":"James Harries","jobTitle":"Co-fund manager, STS Global Income & Growth","quote":[{"_key":"e06b645ae1a4","_type":"block","children":[{"_key":"f68359c4ee4e","_type":"span","marks":[],"text":"The two-year bear market that followed the dotcom bubble is a reminder that when a market theme becomes overextended, recovery can take years. 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Learn how to spot greenwashing, manage higher fees, and align your portfolio with your values, without the faff."}],"markDefs":[],"style":"normal"},{"_key":"23d9240b7df6","_type":"block","children":[{"_key":"67a42f67f160","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a9d2a84add6f","_type":"mainImage","asset":{"_ref":"image-97fbb86b94227290429e6d7c20aaec1e655f0c16-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"40d1706e3549","_type":"block","children":[{"_key":"7311f46b01e8","_type":"span","marks":[],"text":""},{"_key":"d931376f93b2","_type":"mainAnchor","pageAnchor":{"_ref":"d44bb50f-f805-4102-9583-29d4a0b844ac","_type":"reference"}},{"_key":"f2bb9de497ce0","_type":"span","marks":[],"text":"What is sustainable investing?"}],"markDefs":[],"style":"h2"},{"_key":"2e869cb03141","_type":"block","children":[{"_key":"c469f198f89b0","_type":"span","marks":[],"text":"The basic idea behind sustainable investing is to find investments that don't just chase profits, but also consider their social and environmental responsibilities. 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"}],"markDefs":[],"style":"normal"},{"_key":"cbf8f472fee3","_type":"block","children":[{"_key":"0c4ba91b6f2a","_type":"span","marks":[],"text":"Investing in businesses that not only consider their environmental impact, that are socially responsible, whilst simultaneously integrating great governance throughout, definitely appeals to my clients, and if done well can form the backbone of a decent investment strategy. But the occasional need for compromise by investing in a business which is strong in one ESG area but weak in another can sometimes result in questionable investments being made. "}],"markDefs":[],"style":"normal"},{"_key":"f77f7a657e9b","_type":"block","children":[{"_key":"8557c79e58b5","_type":"span","marks":[],"text":"Would you want an investment in a green business that exploits its workers, for example? 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And this type of greenwashing is clearly problematic, and corrosive to long-term trust and credibility."}],"markDefs":[],"style":"normal"},{"_key":"55af2894f930","_type":"block","children":[{"_key":"d748dec83522","_type":"span","marks":[],"text":"And there is another form of greenwashing that often comes down to an expectations gap between investors and asset managers. 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First, an investor needs to look beyond a fund’s name or label and understand what the fund’s objective is: What does the fund aim to do? Is it a fund that aims to invest in companies with lower ESG risk? Does it aim to invest in companies that offer solutions to the world’s biggest challenges? Does the fund claim to have some sort of impact?"}],"markDefs":[],"style":"normal"},{"_key":"786bf1afaf87","_type":"block","children":[{"_key":"8caadcc22366","_type":"span","marks":[],"text":"Then, the fund’s claims need to be tested. An investor needs to look under the hood, look at the fund’s holdings and their ESG characteristics. Many funds with a climate theme don’t actually invest only in green companies. They may invest in so-called “transition” companies. These are companies that today don’t necessarily have good green credentials, they may even have exposure to fossil fuels, but these companies have the intention and plans to improve their environmental profile. 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Others focus on "},{"_key":"1a8176d1fbbb","_type":"span","marks":["86eeea6d91ef"],"text":"investment themes "},{"_key":"3ddb33d4e3ac","_type":"span","marks":[],"text":"like Clean Energy, Artificial Intelligence, or Biotech."}],"markDefs":[{"_key":"86eeea6d91ef","_type":"glossaryPick","reference":{"_ref":"153b5d49-ccd6-4396-8965-dc69754a85a6","_type":"reference"}},{"_key":"20ba425f3599","_type":"glossaryPick","reference":{"_ref":"05f6786c-9e39-4f1b-9b78-4eb9b2623c01","_type":"reference"}},{"_key":"fafd2e21dbe2","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}}],"style":"normal"},{"_key":"0ab475c73058","_type":"block","children":[{"_key":"0d2480cbc0c7","_type":"span","marks":[],"text":"They're generally cheap and fast growing – the total value of ETFs globally topped $10.4 trillion in 2024.[1] And they're increasingly popular with beginners and pros alike."}],"markDefs":[],"style":"normal"},{"_key":"a6e369e3a60b","_type":"block","children":[{"_key":"0b348a449a79","_type":"span","marks":[],"text":""},{"_key":"195e516b7784","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"e70f053ddfe5","_type":"span","marks":[],"text":"Are ETFs right for me?"}],"markDefs":[],"style":"h2"},{"_key":"dc3003b953c1","_type":"prosConsWidget","cons":["You want a professional fund manager to actively manage your money","You're confident in your ability to pick individual shares","You're chasing short-term gains or want high-risk, high-reward strategies"],"consTitle":"Bad if you","pros":["You’re new to investing and want something simple to start with","You’re cost-conscious and keen to keep investment fees low","You want to track the performance of a broad market or trend"],"prosTitle":"Good if you"},{"_key":"a6b6142f67a3","_type":"block","children":[{"_key":"9f4fef57d621","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b0821875a954","_type":"block","children":[{"_key":"237008b64779","_type":"span","marks":[],"text":""},{"_key":"9b0235f0f7c1","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"966fd7cc4ecb","_type":"span","marks":[],"text":"The pros of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"2daceea74e1e","_type":"block","children":[{"_key":"0fb16cf8efb4","_type":"span","marks":[],"text":""},{"_key":"d509f53a14fc","_type":"mainAnchor","pageAnchor":{"_ref":"02838716-326d-4875-bd5e-a94679cff6f5","_type":"reference"}},{"_key":"e2a7d9e37c04","_type":"span","marks":[],"text":"✅ Diversification"}],"markDefs":[],"style":"h3"},{"_key":"0e130d474d07","_type":"block","children":[{"_key":"eb0ed54a42a6","_type":"span","marks":[],"text":"ETFs have become one of the most popular ways for UK investors to grow their money – and it’s easy to see why. One of the biggest benefits of ETFs is "},{"_key":"8a7e76909c4b","_type":"span","marks":["fa061852d70f"],"text":"diversification"},{"_key":"eca8b18c04b9","_type":"span","marks":[],"text":". By buying just one ETF, you can get exposure to a wide range of "},{"_key":"a76f549933d5","_type":"span","marks":["8e75e3f2711c"],"text":"assets"},{"_key":"d74ddbc7f81f","_type":"span","marks":[],"text":", such as "},{"_key":"0a2952cfb6b9","_type":"span","marks":["b316985c0945"],"text":"equities"},{"_key":"963011fa80f2","_type":"span","marks":[],"text":", "},{"_key":"495d085f0ea6","_type":"span","marks":["b622e5c67b29"],"text":"bonds"},{"_key":"9ef019ca7bd3","_type":"span","marks":[],"text":", or even specific sectors like technology or clean energy. This helps spread your risk, so you’re not overly reliant on the success of one company or region."}],"markDefs":[{"_key":"fa061852d70f","_type":"glossaryPick","reference":{"_ref":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"reference"}},{"_key":"8e75e3f2711c","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"b316985c0945","_type":"glossaryPick","reference":{"_ref":"ffc3cd50-c9a6-4e8a-ae48-94a9f8ee2717","_type":"reference"}},{"_key":"b622e5c67b29","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}}],"style":"normal"},{"_key":"dd219d2cecbe","_type":"block","children":[{"_key":"0f730175fc32","_type":"span","marks":[],"text":""},{"_key":"a8f8ba6c722b","_type":"mainAnchor","pageAnchor":{"_ref":"b0ab7f9a-0fa8-4687-9b83-3ef5a0587973","_type":"reference"}},{"_key":"3c407d2db4e7","_type":"span","marks":[],"text":"✅ Low fees"}],"markDefs":[],"style":"h3"},{"_key":"a46b82ca88ed","_type":"block","children":[{"_key":"5d46b372571a","_type":"span","marks":[],"text":"Another key advantage is cost. Most ETFs are "},{"_key":"0b9b2b9e9dff","_type":"span","marks":["b8b50be98d3d"],"text":"passive"},{"_key":"8e8bd2189660","_type":"span","marks":[],"text":" investments, meaning they track a market index like the FTSE 100 or the S&P 500. Because there’s no "},{"_key":"3fb2be3b173c","_type":"span","marks":["2c913a83b466"],"text":"fund manager"},{"_key":"71d59e13e338","_type":"span","marks":[],"text":" picking stocks, fees are typically lower than actively managed funds. Lower costs mean more of your money stays invested and has the chance to grow over time. "},{"_key":"6c2c67071a58","_type":"span","marks":["856a5e29c1e0"],"text":"Actively managed "},{"_key":"cd0fe0297710","_type":"span","marks":[],"text":"ETFs do exist, but the majority available to UK investors are passive."}],"markDefs":[{"_key":"b8b50be98d3d","_type":"glossaryPick","reference":{"_ref":"c1ebf065-a9a0-4501-b78b-4f8f534e09a7","_type":"reference"}},{"_key":"856a5e29c1e0","_type":"glossaryPick","reference":{"_ref":"7842521c-6418-420e-9da3-e0906c64276b","_type":"reference"}},{"_key":"2c913a83b466","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"3249e59424ed","_type":"block","children":[{"_key":"2c68ddd62deb","_type":"span","marks":[],"text":""},{"_key":"7f227bfb5410","_type":"mainAnchor","pageAnchor":{"_ref":"a4b43d5c-a5a5-4255-ae01-b959a3dd0ab9","_type":"reference"}},{"_key":"3062eaa63ad1","_type":"span","marks":[],"text":"✅ Easy to understand"}],"markDefs":[],"style":"h3"},{"_key":"37f50b1fc7f3","_type":"block","children":[{"_key":"d1204dacf593","_type":"span","marks":[],"text":"ETFs are also easy to buy and sell, since they’re traded on stock exchanges just like individual shares. You can invest through most major platforms or "},{"_key":"3a71dea0a54d","_type":"span","marks":["69cea6ea0437"],"text":"ISAs"},{"_key":"dc7b102e6944","_type":"span","marks":[],"text":" with a few clicks. Their transparency, simplicity, and low barrier to entry make them an ideal choice for beginner investors, those building a long-term portfolio, or anyone looking for a low-maintenance way to invest."}],"markDefs":[{"_key":"69cea6ea0437","_type":"internalLinkPick","reference":{"_ref":"bcf031df-fe7e-458f-b39a-ec44d0e8932a","_type":"reference"}}],"style":"normal"},{"_key":"fba220811ee1","_type":"block","children":[{"_key":"251b3ab91b42","_type":"span","marks":[],"text":""},{"_key":"637f55890428","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"394c78b910a7","_type":"span","marks":[],"text":"The cons of investing in ETFs"}],"markDefs":[],"style":"h2"},{"_key":"6fd746bca917","_type":"block","children":[{"_key":"c87d84ab8ed8","_type":"span","marks":[],"text":""},{"_key":"2a9231654e6b","_type":"mainAnchor","pageAnchor":{"_ref":"b0bf4eec-56c9-4216-a97b-9be7a3a35527","_type":"reference"}},{"_key":"37a31be65391","_type":"span","marks":[],"text":"❌ You can’t pick and choose"}],"markDefs":[],"style":"h3"},{"_key":"10435ab41deb","_type":"block","children":[{"_key":"db1c754fe0e3","_type":"span","marks":[],"text":"While ETFs are a great tool for many investors, they’re not without their downsides. One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. For example, if you own a global ETF and a US-focused ETF, you might be doubling up on the same stocks. It’s important to understand what’s actually inside your ETFs to avoid unintended risk or redundancy."}],"markDefs":[{"_key":"46e65d891c29","_type":"glossaryPick","reference":{"_ref":"cb2d54a5-51bd-4510-96c6-badad138eff7","_type":"reference"}}],"style":"normal"},{"_key":"e3bd9ee6ecec","_type":"block","children":[{"_key":"14bac8b5c670","_type":"span","marks":[],"text":""},{"_key":"648c01633d9c","_type":"mainAnchor","pageAnchor":{"_ref":"34c4bdaa-bb71-424f-972c-c0de69e9f1df","_type":"reference"}},{"_key":"f41184660529","_type":"span","marks":[],"text":"❌ Still rise and fall with the market"}],"markDefs":[],"style":"h3"},{"_key":"e295c312435d","_type":"block","children":[{"_key":"ef70c1df0055","_type":"span","marks":[],"text":"Finally, while many ETFs are passive by design, that doesn’t mean they’re completely safe or immune to market crashes. If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. Under ETPs, we have three main categories:"}],"markDefs":[],"style":"normal"},{"_key":"2d19b853c54a","_type":"block","children":[{"_key":"9006d5cec5fc","_type":"span","marks":["strong"],"text":"ETF (Exchange-Traded Fund)"},{"_key":"51e75b0db4e6","_type":"span","marks":[],"text":" - Owns the underlying assets, structured as funds with typically lower risk."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aac15e73eddb","_type":"block","children":[{"_key":"51bb083addf3","_type":"span","marks":["strong"],"text":"ETC (Exchange-Traded Commodity)"},{"_key":"16cde2559f35","_type":"span","marks":[],"text":" - Specifically tracks commodities like metals, energy, or agricultural products."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"64996ee526e7","_type":"block","children":[{"_key":"c17c7be2ba54","_type":"span","marks":["strong"],"text":"ETN (Exchange-Traded Note)"},{"_key":"d5a5770567dd","_type":"span","marks":[],"text":" - Unsecured debt securities that don't own assets but promise to match index returns."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"c96e1576d467","_type":"block","children":[{"_key":"6284f539b6c3","_type":"span","marks":[],"text":""},{"_key":"626039451657","_type":"mainAnchor","pageAnchor":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"}},{"_key":"7e555a475dfb","_type":"span","marks":[],"text":"What are the most popular ETFs in 2025?"}],"markDefs":[],"style":"h3"},{"_key":"50e1dcc85dba","_type":"block","children":[{"_key":"7ef8485bb4a6","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. 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They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. For most beginners, passive ETFs are a great starting point, offering stable, long-term growth potential."}],"markDefs":[],"style":"normal"},{"_key":"47c617dae2b6","_type":"block","children":[{"_key":"2d483787d393","_type":"span","marks":[],"text":"📈 Understand costs and trading dynamics"}],"markDefs":[],"style":"h3"},{"_key":"505ff6ddcfd1","_type":"block","children":[{"_key":"ad2c6e092fd5","_type":"span","marks":[],"text":"While ETFs generally have low fees, it's essential to understand all the costs involved, such as commission fees and the bid-ask spread. ETFs trade like stocks, meaning you can buy or sell anytime during market hours. 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"},{"_key":"802577e8872a","_type":"span","marks":["b462fe1f06d8"],"text":"Mutual fund"},{"_key":"b8fca2a27486","_type":"span","marks":[],"text":" – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[{"_key":"b462fe1f06d8","_type":"internalLinkPick","reference":{"_id":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"information","_rev":"vIm9lhvf1eHBOprgleGFQF","_createdAt":"2021-06-22T10:49:30Z","_updatedAt":"2025-09-01T10:07:48Z","_system":{"base":{"id":"0bc8b13d-830e-4469-8ffe-6af27456b538","rev":"0iD6p61whJS2ZGE5T7VEFt"}},"authors":[{"_key":"9b488bad30a4","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"728ad57473cb","_type":"block","children":[{"_key":"150f7b31de0a","_type":"span","marks":[],"text":"By "},{"_key":"e55603603258","_type":"span","marks":["strong"],"text":"Boring Money"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"e8df298b8c6b","_type":"anchorMenuMobile","title":"menu"},{"_key":"9473358fe106","_type":"block","children":[{"_key":"17cf1610cca6","_type":"span","marks":[],"text":""},{"_key":"91398572c6f0","_type":"mainAnchor","pageAnchor":{"_ref":"c092d7ca-1d59-4a6f-ae22-c1659dda889d","_type":"reference"}},{"_key":"6f92bc92429a","_type":"span","marks":[],"text":"What is a fund?"}],"markDefs":[],"style":"h2"},{"_key":"4f9ee0028862","_type":"block","children":[{"_key":"f102b7d00c72","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"e79c63c327eb","_type":"textboxWidget","text":[{"_key":"2121178f0ee6","_type":"block","children":[{"_key":"7d6a9f190010","_type":"span","marks":[],"text":"There are typically about 30-60 \"underlying investments\" in one fund"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d2a481641270","_type":"block","children":[{"_key":"22684174f3fa","_type":"span","marks":[],"text":"On average a single fund will cost about 0.75% in fees a year"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f3e088b52195","_type":"block","children":[{"_key":"d6ad20196bad","_type":"span","marks":[],"text":"Often a safer bet to invest than simply buying a few shares"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"216dcb5302ec","_type":"block","children":[{"_key":"9dd73649798a","_type":"span","marks":[],"text":"You can buy funds and put them in an ISA to keep your profits tax-free"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"97a80376b0f3","_type":"anchorMenuMobile","title":"s"},{"_key":"1653fdfc2af4","_type":"block","children":[{"_key":"2e2b2ab98724","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b8d971c911d","_type":"block","children":[{"_key":"4507568d3a70","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. In other words, they're a great way to avoid making a clanger by choosing one duff share! Great for diversifying, investing overseas and for outsourcing the decision-making to a professional. "}],"markDefs":[],"style":"normal"},{"_key":"046672293a3e","_type":"block","children":[{"_key":"e15da747ad50","_type":"span","marks":[],"text":"Listen to our Founder & CEO Holly Mackay explain more about why funds are awesome in the helpful clip below."}],"markDefs":[],"style":"normal"},{"_key":"41b247f7f7f1","_type":"block","children":[{"_key":"1425f286ae8d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ee4659f373e2","_type":"mainVideo","url":"https://vimeo.com/829075140"},{"_key":"612f1e2f4f5c","_type":"block","children":[{"_key":"8b8077238e30","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8fde23f3fe04","_type":"block","children":[{"_key":"509c2688d6bd","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3d8fbfc7b050","_type":"block","children":[{"_key":"32a1c0b03ecc","_type":"span","marks":[],"text":"A single fund will typically have about 30-60 different \"underlying investments\" in it. This spreads the risk around and hedges your bets, so rather than having to go and buy 30-60 individual shares all by yourself, you can just buy one fund and be done with it!"}],"markDefs":[],"style":"normal"},{"_key":"e8ce2e0fe91f","_type":"block","children":[{"_key":"942f0caaddf8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9d2b7cefb40","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Most investors have between about 8 and 16 different Funds to get a good mix and spread their bets around!"},"text":[{"_key":"4e12795ee2ca","_type":"block","children":[{"_key":"40e2815c5d05","_type":"span","marks":["strong"],"text":"Top tip: Most investors have between about 8 and 16 different funds to get a good mix and spread their bets around!"}],"markDefs":[],"style":"normal"}]},{"_key":"faec06074b53","_type":"block","children":[{"_key":"3f1ea2ce7311","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"29e8456aa90b","_type":"block","children":[{"_key":"12710694212a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"16c468186b94","_type":"block","children":[{"_key":"8aa0e26dff77","_type":"span","marks":[],"text":"You can think of investing in funds like buying a mixed case of wine - you don't have to be a connoisseur and someone else picks the contents they think are good. Funds come in lots of different flavours - such as multi-asset funds or exchange-traded funds. More on these later."}],"markDefs":[],"style":"normal"},{"_key":"90feae1f7eb6","_type":"block","children":[{"_key":"1915aec3fabb","_type":"span","marks":[],"text":""},{"__inline":true,"_key":"5ccd7b870fec","_type":"mainAnchor","children":[{"_key":"ut1xgBnP3A4eT38f4GGbAL","text":""}],"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"},"value":{"pageAnchor":{"_ref":"0eef55a2-c34f-4fb5-9ef2-ad1108e3a467","_type":"reference"}}},{"_key":"3fc8bd064d62","_type":"span","marks":[],"text":"Are funds right for me?"}],"markDefs":[],"style":"h2"},{"_key":"f4e25a5df60e","_type":"block","children":[{"_key":"fa0bcaef29cd","_type":"span","marks":[],"text":"On average, investors hold 49% of their investments in funds, making them one of the most popular investment vehicles out there. But are funds really the right option for you? "}],"markDefs":[],"style":"normal"},{"_key":"fed979756bbe","_type":"block","children":[{"_key":"64b6ad599651","_type":"span","marks":[],"text":"If you prefer the freedom and flexibility of choosing which companies to invest in, shares may be a better choice. However, funds can also be highly diversified, which means your investments might be spread across different regions, sectors and assets. This reduces the risk of any one event, such as a political crisis in a single region, having a significant impact on your investments."}],"markDefs":[],"style":"normal"},{"_key":"e1ad6cc3a02a","_type":"block","children":[{"_key":"a8b55972e4dd","_type":"span","marks":[],"text":"So really it comes down to your personal preference. Here's a round-up of some of the main pros and cons to help you decide if investing in funds is the right choice for you."}],"markDefs":[],"style":"normal"},{"_key":"434d193075a7","_type":"block","children":[{"_key":"0e7fe5da01de","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4bc700b962a5","_type":"prosConsWidget","cons":["Don't want to pay a fee","Want to pick your own shares","Want to trade regularly"],"consTitle":"Bad if you ","pros":["Want a broad mix of different shares","Want to invest abroad too","Aren't a whizz trader "],"prosTitle":"Good if you"},{"_key":"48067afe70fe","_type":"block","children":[{"_key":"0361b14633a1","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cec017f1a38c","_type":"block","children":[{"_key":"172137ada71e","_type":"span","marks":[],"text":""},{"_key":"de53e982c4a9","_type":"mainAnchor","pageAnchor":{"_ref":"60941be5-1a4f-426e-b588-7699bee46271","_type":"reference"}},{"_key":"87cf346319c6","_type":"span","marks":[],"text":"Why invest in a fund?"}],"markDefs":[],"style":"h2"},{"_key":"93dc72ad81a4","_type":"block","children":[{"_key":"3338ff4b26c50","_type":"span","marks":[],"text":"A fund is simply the compilation album of the investing world! It’s a nice way to get someone at the sharp end of finance to pick and manage your investments from the bewildering array of bonds and shares on the market. Let’s give a really simple example. "}],"markDefs":[],"style":"normal"},{"_key":"a9403754dc28","_type":"block","children":[{"_key":"01c95b2b86ac","_type":"span","marks":[],"text":"If we ran the Boring Money UK Shares Fund (which we don’t), we might look at all the UK shares out there and say that HSBC, Shell, ITV and GlaxoSmithKline make the grade. And add them to our investment mix. But chuck out Barclays and Burberry and Sainsburys (all random examples by the way, not tips!). "}],"markDefs":[],"style":"normal"},{"_key":"7669a7ac791c","_type":"block","children":[{"_key":"d7e81010a760","_type":"span","marks":[],"text":"We’d end up with, say, 50 shares in our compilation album, which we bought for £1 each in our pretend world. So our fund would be worth £50. And we might sell 50 units to people for £1 each. "}],"markDefs":[],"style":"normal"},{"_key":"786bce77dbb8","_type":"block","children":[{"_key":"da65bc2f373e","_type":"span","marks":[],"text":"The benefit is that for a small investment of just £1, our investors would have a teeny fraction of an investment in 50 different British companies. And we would run and manage this pool of investments for you - so no need to get the calculator out and crunch any numbers!"}],"markDefs":[],"style":"normal"},{"_key":"985ff58d82e6","_type":"block","children":[{"_key":"2ad32b5454aa","_type":"span","marks":[],"text":"There are thousands of funds out there, all with different flavours, and they're among the best ways to get expert help on picking the right investments."}],"markDefs":[],"style":"normal"},{"_key":"362c2e7dfc09","_type":"block","children":[{"_key":"d766349dbf40","_type":"span","marks":[],"text":""},{"_key":"364cd3c1e445","_type":"mainAnchor","pageAnchor":{"_ref":"a5632083-6993-47e2-9bc1-07d0a86ad84c","_type":"reference"}},{"_key":"0a68034d99f40","_type":"span","marks":[],"text":"The three main fund structures "}],"markDefs":[],"style":"h2"},{"_key":"4b7b2b21499a","_type":"block","children":[{"_key":"5d8b72478bbb","_type":"span","marks":[],"text":""},{"_key":"e02338579d1e","_type":"mainAnchor","pageAnchor":{"_ref":"bcd041ed-8ed5-4fc7-8abd-21ee28def30c","_type":"reference"}},{"_key":"6c2a9ecc53f30","_type":"span","marks":[],"text":"1. Mutual fund – also known as an open-ended fund, OEIC or UCITS fund"}],"markDefs":[],"style":"h3"},{"_key":"3460d916f7b2","_type":"block","children":[{"_key":"0325a805ebd40","_type":"span","marks":[],"text":"A mutual fund combines money from multiple investors, which a professional manager invests according to the fund’s goals, such as growth or income, often focusing on specific sectors like European stocks or technology. Being “open-ended,” the fund can adjust its shares based on investor activity, with its value matching the combined value of its holdings. Investors can monitor performance daily through services like Morningstar, comparing it to similar funds or benchmarks like the FTSE All Share for UK funds."}],"markDefs":[],"style":"normal"},{"_key":"9f8832eee9c7","_type":"block","children":[{"_key":"b0249a4aa624","_type":"span","marks":[],"text":""},{"_key":"777c7f3bd35c","_type":"mainAnchor","pageAnchor":{"_ref":"b8467767-7e11-4c31-bea1-aa9f5262781c","_type":"reference"}},{"_key":"6722e89ace4a","_type":"span","marks":[],"text":"2. ETF – or exchange-traded fund"}],"markDefs":[],"style":"h3"},{"_key":"ac1f21c74e0a","_type":"block","children":[{"_key":"189a0849a0f50","_type":"span","marks":[],"text":"ETFs, or Exchange-Traded Funds, are investment funds that provide low-cost, diversified access to various markets, similar to mutual funds. Unlike mutual funds, ETFs trade on stock exchanges, with their prices fluctuating throughout the day based on supply and demand. ETFs often aim to track specific assets, like major stock indices (e.g., S&P 500), commodities, or even currencies. They can be structured using \"physical\" methods (owning a bit of each asset in the index) or \"synthetic\" methods (using derivatives to mimic asset performance). ETFs can also offer leveraged or inverse options to enhance potential gains or bet against an asset's price. They are generally affordable, easy to trade, and flexible for various investment strategies."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"6add2d498f76","_type":"block","children":[{"_key":"14d23d4bf09a","_type":"span","marks":["strong"],"text":"Discover more about ETFs and how they work"}],"markDefs":[],"style":"normal"}],"_key":"090c0fe4bbd4","_type":"ctaWidget","reference":{"_ref":"5c11d074-1344-4a80-b7eb-b2cb4ce791c7","_type":"reference"},"text":"ETF HUB"},{"_key":"3734671b2a32","_type":"block","children":[{"_key":"ebc0f19e9b3d0","_type":"span","marks":[],"text":"3. Investment Trusts"}],"markDefs":[],"style":"h3"},{"_key":"47687a68ef20","_type":"block","children":[{"_key":"22745b29c849","_type":"span","marks":[],"text":"Investment trusts are publicly listed companies that pool investors' money to buy shares, bonds, or other assets like property. Managed by a board that oversees the fund manager, they operate as \"closed-ended\" funds, meaning they don’t need to buy or sell assets as investors come and go. This structure suits less liquid investments, and they can also save income from strong years to pay out in weaker ones, offering a steadier return. Investors can buy shares at market prices, sometimes below the actual asset value, and have many options for building a diverse portfolio. Read more on how mutual funds compare to ETFs and Investment Trusts "},{"_key":"3ac6a8b34f46","_type":"span","marks":["bd12d349ce04"],"text":"here"},{"_key":"f569af0635c5","_type":"span","marks":[],"text":". \n"}],"markDefs":[{"_key":"bd12d349ce04","_type":"internalLinkPick","reference":{"_ref":"508b9184-a3ee-4f2c-b9cd-5c61ac88dfaa","_type":"reference"}}],"style":"normal"},{"LeftSideText":[{"_key":"bcb044ecf5ab","_type":"block","children":[{"_key":"ba7542cf4442","_type":"span","marks":["strong"],"text":"Find out all you need to know about Investment Trusts in our hub"}],"markDefs":[],"style":"normal"}],"_key":"c677d8dce5ad","_type":"ctaWidget","reference":{"_ref":"c4a944ee-6d37-4a32-ad78-476434729026","_type":"reference"},"text":"READ MORE"},{"_key":"90c958e3a76f","_type":"block","children":[{"_key":"58ff5f53dc6e","_type":"span","marks":[],"text":""},{"_key":"d942deccb966","_type":"mainAnchor","pageAnchor":{"_ref":"614ab4cf-e295-402a-90a2-ddce00934029","_type":"reference"}},{"_key":"45fae644733a","_type":"span","marks":[],"text":"Bonds vs shares"}],"markDefs":[],"style":"h2"},{"_key":"e90ad037fc44","_type":"block","children":[{"_key":"69fbf9a8af22","_type":"span","marks":[],"text":"When it comes to investing with funds, you'll often see the \"portfolio\" - that is, what the fund is actually invested in - broken down into different assets. The two most common assets are bonds and shares, but what actually are they?"}],"markDefs":[],"style":"normal"},{"_key":"112a4d6cbc9f","_type":"block","children":[{"_key":"c6616cbb00f7","_type":"span","marks":[],"text":"What is a bond?"}],"markDefs":[],"style":"h3"},{"_key":"55297b26fffd","_type":"block","children":[{"_key":"f9ec30e1d7d7","_type":"span","marks":[],"text":"Owning a bond is kind of getting an IOU from a government or a company – you buy their bond and you’re lending them money. The dicier the prospect of getting your cash back, the more ‘interest’ they will pay you to compensate for the risk. So an Ecuadorian mining company bond would pay a gazillion times more than the relatively staid UK government, for example. It’s a riskier loan so they’ll compensate you more for taking this extra risk. "}],"markDefs":[],"style":"normal"},{"_key":"ad246f1d9a03","_type":"block","children":[{"_key":"d33daf52853b","_type":"span","marks":[],"text":"Bonds are influenced by interest rates, so they’re behaving a bit weirdly at the moment. If you lend the UK government money for 10 years, they’ll pay you about 4% (at the time of writing). And inflation is hovering around the 10% mark. So you’ll see why bonds are paying attractive rates at the moment - the UK economy is currently grappling with the risk of high inflation!"}],"markDefs":[],"style":"normal"},{"_key":"66a2cb7a79bb","_type":"block","children":[{"_key":"f67dc90952da","_type":"span","marks":[],"text":"What is a share?"}],"markDefs":[],"style":"h3"},{"_key":"42ec8b2bfea7","_type":"block","children":[{"_key":"d7677c521ef0","_type":"span","marks":[],"text":"Shares are also known as ‘equities’ or ‘stocks’. If you own shares, you buy little pieces of the world’s biggest companies. And tie your fortunes to theirs. It's these shares that make up the majority of most funds. "}],"markDefs":[],"style":"normal"},{"_key":"87391d64e98f","_type":"block","children":[{"_key":"50f803a42246","_type":"span","marks":[],"text":"As a rule of thumb, most ‘equity’ focused funds will have about 40-60 shares in them, although some fund managers have fewer, sticking to their convictions more about which shares are duds and which ones are winners. "}],"markDefs":[],"style":"normal"},{"_key":"230865d11ff5","_type":"block","children":[{"_key":"81251b61e60c","_type":"span","marks":[],"text":"Shares are also one of the few investments where you can get a decent income. Companies often pay out a share of their profits as dividends. The key is to look for an ‘equity income’ fund. Pick the right one and you could get an income of around 3-4% a year!"}],"markDefs":[],"style":"normal"},{"_key":"06e377758cad","_type":"block","children":[{"_key":"d4019195a987","_type":"span","marks":[],"text":"The balance between bonds and shares"}],"markDefs":[],"style":"h3"},{"_key":"46cf69523ea8","_type":"block","children":[{"_key":"d519404d9cb6","_type":"span","marks":[],"text":"Many suggest diversifying, which means a sort-of Combo Meal of bonds "},{"_key":"a61d5d5863e0","_type":"span","marks":["em"],"text":"and "},{"_key":"2e722c7e508b","_type":"span","marks":[],"text":"shares. Over the long-term, bonds are usually seen as safer and less choppy than shares, but many believe they will make you less over the long-run too. On the other hand, the stock market can potentially make you profit over the longer-term, but can come with significant short-term risk."}],"markDefs":[],"style":"normal"},{"_key":"c973c0042a75","_type":"block","children":[{"_key":"c0025ecc2c48","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c1f67febb327","_type":"prosConsWidget","pros":["You're nearing retirement age","You're not keen on stock market risk"],"prosTitle":"BONDS are better for you if"},{"_key":"e27629a359a2","_type":"block","children":[{"_key":"e48f0db1ddad","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a30ea1e3729e","_type":"prosConsWidget","pros":["You can tolerate the concept of stock market risk","You've got lots of time before you need to access your cash"],"prosTitle":"SHARES are better for you if"},{"_key":"03b6c39b6bf2","_type":"block","children":[{"_key":"1ee6f1df4158","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ed118f277297","_type":"block","children":[{"_key":"e3ed41cc210b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1c4556aebdc3","_type":"block","children":[{"_key":"59b8e9cbba60","_type":"span","marks":[],"text":"As a general rule of thumb, if you’re a spring chicken and investing for ages in the future, you should probably look at "},{"_key":"0f04bd6e7f43","_type":"span","marks":["em"],"text":"mostly "},{"_key":"0a524dc1e267","_type":"span","marks":[],"text":"shares. If you’re getting on and likely to need your money soon, people typically prefer bonds because they’re less likely to crash as dramatically as shares, leaving you high and dry if you need to cash in your investments. "}],"markDefs":[],"style":"normal"},{"_key":"c44bbef6d561","_type":"block","children":[{"_key":"e1b0274abca3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f871776e39d7","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "},"text":[{"_key":"dc826f13da73","_type":"block","children":[{"_key":"92f0eb6df824","_type":"span","marks":["strong"],"text":"Top tip: You don't need to pick exclusively bonds or exclusively shares. In fact, a good mix of the two is often the best way to go about it - just make sure to adjust your weighting according to your preferences. Not putting all your eggs in the basket is the mantra here. "}],"markDefs":[],"style":"normal"}]},{"_key":"f7d5fb36fe0f","_type":"block","children":[{"_key":"db6952c70b24","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19431081595a","_type":"block","children":[{"_key":"6e263f6e0c3f","_type":"span","marks":[],"text":""},{"_key":"394165043e4a","_type":"mainAnchor","pageAnchor":{"_ref":"f0e25e55-88ef-4bd3-96fb-2ea766606d57","_type":"reference"}},{"_key":"d81d41f1e8ee1","_type":"span","marks":[],"text":"Active vs passive"}],"markDefs":[],"style":"h2"},{"_key":"97fd1b6cacb5","_type":"block","children":[{"_key":"b1149c8e019a","_type":"span","marks":[],"text":"Another couple of phrases you'll often see when investing in funds is 'active' and 'passive', but as the world of finance is renowned for being full of jargon, no one ever seems to explain what these are! Here's what they actually mean and why they matter when deciding on the right fund for you."}],"markDefs":[],"style":"normal"},{"_key":"4f4328ace20e","_type":"block","children":[{"_key":"267b07472f39","_type":"span","marks":[],"text":"What is an active fund?"}],"markDefs":[],"style":"h3"},{"_key":"965f3e1b9c85","_type":"block","children":[{"_key":"7e7c85ce1d910","_type":"span","marks":[],"text":"Most funds in the market are what we call ‘active’. An active fund manager, by definition, thinks he or she is smarter than the average investor. A clever clogs. They think they can spot a bargain. Spot the dog before others. Identify the region that is about to go belly-up. So they pick and choose. If you buy an active fund which invests in shares, you'll usually pay a fee to the fund manager of about 75p-95p for every £100 you entrust to them. "}],"markDefs":[],"style":"normal"},{"_key":"dd074314f1cf","_type":"block","children":[{"_key":"e2405d675768","_type":"span","marks":[],"text":"What is a passive fund?"}],"markDefs":[],"style":"h3"},{"_key":"b9d2cd328e0c","_type":"block","children":[{"_key":"9da255300335","_type":"span","marks":[],"text":"Passive funds, on the other hand, are devoid of ego and opinion. They're the well-behaved end of the fund market. No one makes a call on whether Share A is better than Share B. They simply follow what we call an index - or a list of shares or bonds in any given market. They buy them in proportion to their size and no judgement calls are made. If you buy a passive fund which invests in shares, you'll usually pay a fee to the fund manager of about 8-12p for every £100 you entrust to them. It’s a lot cheaper because it’s run by a computer, rather than an expensive human. "}],"markDefs":[],"style":"normal"},{"_key":"365e8264db90","_type":"block","children":[{"_key":"faa5a312feb3","_type":"span","marks":[],"text":"How to decide between active vs passive funds"}],"markDefs":[],"style":"h3"},{"_key":"b8221aa671cb","_type":"block","children":[{"_key":"4799dbdc92b40","_type":"span","marks":[],"text":"There are pros and cons to each approach. Passive funds will tend to be cheaper and have performed well over much of the past decade as a result of strong performance from the technology giants (which form a large share of most capitalisation-weighted indices). However, they can have certain biases – the MSCI World has a 70%+ weighting to the US[2],  for example. Equally, bond indices can have higher weights in companies that have issued the most bonds – i.e. the most indebted. This can increase risk."}],"markDefs":[],"style":"normal"},{"_key":"611ac6f8c648","_type":"block","children":[{"_key":"d022771f72c90","_type":"span","marks":[],"text":"With active funds, there tends to be extremes. Some fund managers will be very successful and deliver better returns than the wider market, while others will find their analysis doesn’t pay off. Investors need to be willing to take a risk on the manager’s skill."}],"markDefs":[],"style":"normal"},{"_key":"c39c65e3ba8a","_type":"block","children":[{"_key":"3c62d7c5ecdd","_type":"span","marks":[],"text":"The jury is out on which is best, but passive funds will inherently return the average of any market. Some active funds will go further and smash it – but others will underperform and charge you for the privilege! So it depends on your risk appetite, among other things. Happy to sit back and copy what the markets do? Passive is for you. Want to leave it to the experts to crunch the numbers and try to outperform? Then try active.\n"}],"markDefs":[],"style":"normal"},{"_key":"ad85bfad7fcf","_type":"block","children":[{"_key":"3d022ec4e243","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"769a3bdcb210","_type":"emailSignupWidget","brazeSubscriptionGroupId":"80bb057b-016f-4c60-8fed-bc2199e56dc7","brazeSubscriptionRef":{"_ref":"75cfa314-bcb6-4835-9c3d-28febc21b8d6","_type":"reference"},"image":{"_type":"mainImage","alt":"Sign up here!"},"paragraphText":"Get the best-performing funds, market commentary and jargon free insight delivered straight to your inbox every month. Join our Fund Newsletter.\n","title":"Sign up here!"},{"_key":"9082b2e04f18","_type":"block","children":[{"_key":"eca87e721854","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ed19b6fc9ee","_type":"block","children":[{"_key":"0ee0c876052d","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"1fdae174a2eb","_type":"block","children":[{"_key":"4e62aed3fa81","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3aafc66da691","_type":"block","children":[{"_key":"7eacb7f07336","_type":"span","marks":[],"text":"[1] "},{"_key":"d5da36f05625","_type":"span","marks":["873e1e148fbf"],"text":"PwC, March 2024"}],"markDefs":[{"_key":"873e1e148fbf","_type":"internalLinkPick","blank":true,"reference":{"_ref":"145cfde5-0dfc-42d5-920b-0b191331e84e","_type":"reference"}}],"style":"normal"},{"_key":"303192e61fb6","_type":"block","children":[{"_key":"1928cb41e922","_type":"span","marks":[],"text":"[2] "},{"_key":"341d43b08b6b","_type":"span","marks":["a4f8efc4fe28"],"text":"MSCI, November 2024"}],"markDefs":[{"_key":"a4f8efc4fe28","_type":"internalLinkPick","blank":true,"reference":{"_ref":"b300e7f8-9ee8-475d-85f0-bcccebda9deb","_type":"reference"}}],"style":"normal"},{"_key":"49a0d84ddbed","_type":"block","children":[{"_key":"cae41be45c6b","_type":"span","marks":[],"text":"[3] "},{"_key":"653072da076b","_type":"span","marks":["d77d4f4a9a3d"],"text":"Trustnet, January 2023"}],"markDefs":[{"_key":"d77d4f4a9a3d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"39231df5-0e90-4b9c-abc7-f980c11317c9","_type":"reference"}}],"style":"normal"}],"categories":[{"_key":"1a989c0fd8ee","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"},{"_key":"761051b73014","_ref":"c058e54c-c37a-4991-8f09-bdfb81de2b4a","_type":"reference"},{"_key":"89ab44c91dc9","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"}],"excerpt":[{"_key":"0c5edb6fe2c3","_type":"block","children":[{"_key":"e3cfba5e3d06","_type":"span","marks":[],"text":"Funds are ready-made baskets of investments managed for you by an expert. A great way to avoid making a clanger by choosing one duff share. Great for investing overseas and for outsourcing the decision-making to a professional."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":true,"linkMenu":[{"_key":"8b72c2502fe7","_ref":"e7ee7375-de0b-4584-ab7c-316ed8adfc92","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-38ee5a76884f602245c15a08ea6cd1cc47fe4200-3840x2160-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"607e940b-a7e0-4ec1-a5fa-7ee603b14620","_type":"reference"},"publishedAt":"2025-01-02T15:32:00.000Z","slug":{"_type":"slug","current":"funds"},"subfolder":{"_ref":"14bab4f4-8433-425c-a66c-de42dd0d93a2","_type":"reference"},"template":"C-SB","theme":"Boring Money theme","title":"Funds Explained: The Ultimate No-Nonsense Guide for Beginners","widgets":[{"_key":"a1d6c66ee3f9","_ref":"79cbfce0-99a3-451e-82d4-c0b6a4487777","_type":"reference"},{"_key":"b7ac1bdd3211","_ref":"2d98a13f-5211-453c-be9e-9785894654db","_type":"reference"},{"_key":"29af377eda10","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-f6d3c7d4-0bf0-58b1-9af8-32ef06151a6c","children":[],"parent":null}}],"style":"h3"},{"_key":"85dcba9b38c1","_type":"block","children":[{"_key":"38c9197f883f","_type":"span","marks":[],"text":"Mutual funds pool together investors’ money, which is then managed on their behalf by a dedicated investment manager. They will use their skill and experience to choose companies with a strong pathway of growth and/or income, depending on the investment goals set out for the fund. Most mutual funds will have a specific area of focus – say, European stock markets, or the technology sector."}],"markDefs":[],"style":"normal"},{"_key":"7d75774e8ba4","_type":"block","children":[{"_key":"701e2a46710e","_type":"span","marks":[],"text":"These funds are ‘open-ended’, which means that new units are created when money comes into the fund, and retired when an investor exits. The fund manager will need to buy new investments as new money comes in, and sell investments to meet redemptions. The net asset value of the fund will match exactly the value of the underlying holdings. 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One issue is lack of flexibility. Because ETFs typically track an index, you have no control over the individual companies included. If a sector you don’t support (like fossil fuels or tobacco) is heavily represented in a broad market ETF, there’s not much you can do about it. This can be a drawback for "},{"_key":"6c28ef491aaf","_type":"span","marks":["5aab59721fc3"],"text":"ethical"},{"_key":"370dd1259229","_type":"span","marks":[],"text":" investors who want to align their portfolio with their values."}],"markDefs":[{"_key":"5aab59721fc3","_type":"glossaryPick","reference":{"_ref":"5cb1800e-1555-43a2-83d8-bd1d19a586fe","_type":"reference"}}],"style":"normal"},{"_key":"7a60017a89b5","_type":"block","children":[{"_key":"6b38641ab2cc","_type":"span","marks":[],"text":""},{"_key":"bb505b264510","_type":"mainAnchor","pageAnchor":{"_ref":"cd10a6ae-7510-4135-8400-f12ba04fda3d","_type":"reference"}},{"_key":"7dd65ce281b4","_type":"span","marks":[],"text":"❌ Beware of owning too many"}],"markDefs":[],"style":"h3"},{"_key":"1728bd5cc2c2","_type":"block","children":[{"_key":"b1bfa84f2454","_type":"span","marks":[],"text":"Another thing to watch out for is over-diversification or “diworsification.” Some investors load up on lots of ETFs without realising there’s significant overlap between the "},{"_key":"e2c6c9e2e9bf","_type":"span","marks":["46e65d891c29"],"text":"underlying"},{"_key":"4b9bd5e1f275","_type":"span","marks":[],"text":" assets. 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If the market an ETF tracks drops, so will your investment. You’re accepting market returns – for better or worse. ETFs are a great foundation, but they’re not a silver bullet for investment success."}],"markDefs":[],"style":"normal"},{"_key":"95b1fcdbdfe9","_type":"block","children":[{"_key":"5f0da20db839","_type":"span","marks":[],"text":""},{"_key":"764983d86d97","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"81e7b973b1d5","_type":"span","marks":[],"text":"Top questions on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"a181b5533fdb","_type":"block","children":[{"_key":"e98d4b06806c","_type":"span","marks":[],"text":""},{"_key":"a6126a3aa223","_type":"mainAnchor","pageAnchor":{"_ref":"9f5319b0-7128-4672-9d72-529aa7f21814","_type":"reference"}},{"_key":"64cb416ca8380","_type":"span","marks":[],"text":"How much do ETFs cost?"}],"markDefs":[],"style":"h3"},{"_key":"fc122a15382d","_type":"block","children":[{"_key":"7884beb22fb0","_type":"span","marks":[],"text":"ETFs trade on stock exchanges just like individual shares, which means you buy and sell them on online investment platforms. You will often be charged a commission on each buy or sell transaction."}],"markDefs":[],"style":"normal"},{"_key":"c502aabc7234","_type":"block","children":[{"_key":"dadf564d0a4b","_type":"span","marks":[],"text":"ETFs themselves usually have an annual "},{"_key":"1443cc198b51","_type":"span","marks":["89cfe4ee3312"],"text":"management fee"},{"_key":"0156aa55050c","_type":"span","marks":[],"text":", which is typically quite low - especially for large, well-known ETFs that track broad indices. However, more niche ETFs may charge slightly higher fees due to their specific focus. "}],"markDefs":[{"_key":"89cfe4ee3312","_type":"glossaryPick","reference":{"_ref":"639ead5f-b190-4b44-bc4f-805ab4d8fcf4","_type":"reference"}}],"style":"normal"},{"_key":"481a8c10a10d","_type":"block","children":[{"_key":"8658e29d1d86","_type":"span","marks":[],"text":"Another cost to consider is the "},{"_key":"253b1edbd313","_type":"span","marks":["7f92891a603e"],"text":"bid-ask spread"},{"_key":"8f784cbe584c","_type":"span","marks":[],"text":", which is the difference between the price at which a platform is willing to buy and sell the ETF – this is similar to a "},{"_key":"1ea37f15d05e","_type":"span","marks":["76b31858e487"],"text":"currency exchange"},{"_key":"45faed2a72af","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"7f92891a603e","_type":"glossaryPick","reference":{"_ref":"acfdf9ca-55f2-4ccd-8aee-3201a6153b7b","_type":"reference"}},{"_key":"76b31858e487","_type":"glossaryPick","reference":{"_ref":"c45b581e-8764-40ef-8780-ef02845ed5fc","_type":"reference"}}],"style":"normal"},{"_key":"7104cc654d2a","_type":"block","children":[{"_key":"a069bc4adb27","_type":"span","marks":[],"text":"In terms of "},{"_key":"2d94f54238dd","_type":"span","marks":["7648f8a791df"],"text":"transaction fees"},{"_key":"182bc4de1ace","_type":"span","marks":[],"text":", they will range from being free up to  £11.95 per trade depending on the platform you are investing on. If you’re making regular contributions to your ETF, these costs can add up over time, so it’s essential to keep an eye on fees - especially if you’re investing small amounts frequently."}],"markDefs":[{"_key":"7648f8a791df","_type":"glossaryPick","reference":{"_ref":"af4eb285-d6ee-484f-89ac-d776bbfcb0c5","_type":"reference"}}],"style":"normal"},{"_key":"6975d7bc829f","_type":"block","children":[{"_key":"2f25377ef185","_type":"span","marks":[],"text":""},{"_key":"743052052ddb","_type":"mainAnchor","pageAnchor":{"_ref":"043c4d3a-e208-4710-92d6-2a77330c0be0","_type":"reference"}},{"_key":"6348fbed8524","_type":"span","marks":[],"text":"Active vs passive ETFs"}],"markDefs":[],"style":"h3"},{"_key":"71cf2ab6ddd4","_type":"mainImage","asset":{"_ref":"image-7ca3e9317480168a1de35cfa1a4a9b3f6249f78e-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"397cdc9d2c24","_type":"block","children":[{"_key":"afae1c0135fa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9ef4fc8c4ec3","_type":"block","children":[{"_key":"80803ed8ed2d","_type":"span","marks":[],"text":"The active vs passive debate is central to investing in ETFs. "}],"markDefs":[],"style":"normal"},{"_key":"fcc7ca1029b0","_type":"block","children":[{"_key":"d36caa331723","_type":"span","marks":[],"text":"A passive ETF tracks an index and aims to mirror its performance. This type of fund is cost-effective because there’s no need for an active fund manager to make investment decisions. While you won’t outperform the market, you’ll capture its returns at a low cost. Passive ETFs are great for investors who prefer a hands-off approach, and they provide broad exposure to various markets. However, you may end up owning companies or sectors that are underperforming."}],"markDefs":[],"style":"normal"},{"_key":"39b56cc28e27","_type":"block","children":[{"_key":"45bf65d5b435","_type":"span","marks":[],"text":"On the other hand, active ETFs involve fund managers selecting stocks with the goal of outperforming the index. These ETFs typically come with higher fees, as you're paying for the expertise of the manager. However, they could deliver higher returns if the manager makes smart picks. One thing to note: active managers often closely track the index to reduce risk, meaning their performance may not actually differ much from a passive strategy."}],"markDefs":[],"style":"normal"},{"_key":"3919761790f3","_type":"block","children":[{"_key":"6802e895452b","_type":"span","marks":[],"text":"If you're drawn to"},{"_key":"1222aa85e45a","_type":"span","marks":["df5690228e1c"],"text":" sustainable investing"},{"_key":"86b8927a6d8d","_type":"span","marks":[],"text":", active managers often have more flexibility to incorporate "},{"_key":"3487e95a3dc6","_type":"span","marks":["eae5e5481ca8"],"text":"environmental, social, and governance (ESG) "},{"_key":"8eba70cf1f85","_type":"span","marks":[],"text":"criteria into their investment decisions. So active ETFs may be a better option for investors who want to tailor their portfolios to specific values."}],"markDefs":[{"_key":"df5690228e1c","_type":"internalLinkPick","reference":{"_ref":"2635d13e-e79d-414d-80f5-86b565565227","_type":"reference"}},{"_key":"eae5e5481ca8","_type":"glossaryPick","reference":{"_ref":"a7d1841d-cfd3-4151-93ce-43daaf05f1e6","_type":"reference"}}],"style":"normal"},{"_key":"5626169115c5","_type":"block","children":[{"_key":"6d9656e55dae","_type":"span","marks":[],"text":""},{"_key":"9434f621ede7","_type":"mainAnchor","pageAnchor":{"_ref":"9d6b3b86-20cb-42ed-be57-39b5c31ebac1","_type":"reference"}},{"_key":"87fd1f0ee3300","_type":"span","marks":[],"text":"ETF market price vs NAV"}],"markDefs":[],"style":"h3"},{"_key":"df30e052414b","_type":"block","children":[{"_key":"6671df8b4f7a","_type":"span","marks":[],"text":"An important thing to understand when investing in ETFs is that their market price doesn’t always match their"},{"_key":"c70a6f382360","_type":"span","marks":["bc65bd6db096"],"text":" Net Asset Value (NAV)"},{"_key":"a651f663bd20","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"bc65bd6db096","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"796eb49b3bd8","_type":"block","children":[{"_key":"fcf3345e3510","_type":"span","marks":[],"text":"ETFs trade on the stock exchange, so their prices are influenced by supply and demand – just like individual stocks. Ideally, the market price should reflect the NAV, but it doesn’t always happen. If there’s high demand for a particular ETF, its market price can trade at a premium (higher) to the NAV, and if there’s little interest, it can trade at a discount (lower)."}],"markDefs":[],"style":"normal"},{"_key":"01a9ae08d825","_type":"block","children":[{"_key":"05bfc6a06892","_type":"span","marks":[],"text":"This discrepancy is more common with niche or less "},{"_key":"dde4c707f5fd","_type":"span","marks":["6b0f00e2d964"],"text":"liquid"},{"_key":"74733ca41f02","_type":"span","marks":[],"text":" ETFs (such as real estate), as larger, more popular ETFs with high trading volumes tend to stay closer to their NAV. It's just something to watch out for, particularly if you’re investing in less-established sectors or thematic ETFs."}],"markDefs":[{"_key":"6b0f00e2d964","_type":"glossaryPick","reference":{"_ref":"695ac26e-f82d-442b-842b-88d99f69cd38","_type":"reference"}}],"style":"normal"},{"_key":"0ee2fe4427aa","_type":"block","children":[{"_key":"fd91f9506b31","_type":"span","marks":[],"text":""},{"_key":"1c4d3da0a2d3","_type":"mainAnchor","pageAnchor":{"_ref":"33d7a3c3-9d61-4c73-a2f7-c973a32550ec","_type":"reference"}},{"_key":"05068f1158a6","_type":"span","marks":[],"text":"What's the difference between ETFs, ETCs, and ETNs?"}],"markDefs":[],"style":"h3"},{"_key":"48b4b698e98f","_type":"block","children":[{"_key":"c0296ae51b8f","_type":"span","marks":[],"text":"You may see different acronyms that are associated with the better-known acronym ETF. While ETFs are the most prevalent type of exchange-traded investment, they constitute one segment within the broader Exchange-Traded Products (ETPs) category. The key difference between these vehicles is in their structure and risk profile, with ETFs generally having the lowest risk (as they own the assets), and ETNs having the highest risk (as they're debt instruments dependent on the issuer's creditworthiness)."}],"markDefs":[],"style":"normal"},{"_key":"012f2bc4cd37","_type":"block","children":[{"_key":"4eae172b1e78","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e52d2023a247","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"c8068b830d40","_type":"block","children":[{"_key":"1229b85f0a2f","_type":"span","marks":["strong"],"text":"ETP (Exchange-Traded Product)"},{"_key":"08a2130944e7","_type":"span","marks":[],"text":" - The umbrella term that encompasses all these investment vehicles. Under ETPs, we have three main categories:"}],"markDefs":[],"style":"normal"},{"_key":"2d19b853c54a","_type":"block","children":[{"_key":"9006d5cec5fc","_type":"span","marks":["strong"],"text":"ETF (Exchange-Traded Fund)"},{"_key":"51e75b0db4e6","_type":"span","marks":[],"text":" - Owns the underlying assets, structured as funds with typically lower risk."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aac15e73eddb","_type":"block","children":[{"_key":"51bb083addf3","_type":"span","marks":["strong"],"text":"ETC (Exchange-Traded Commodity)"},{"_key":"16cde2559f35","_type":"span","marks":[],"text":" - Specifically tracks commodities like metals, energy, or agricultural products."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"64996ee526e7","_type":"block","children":[{"_key":"c17c7be2ba54","_type":"span","marks":["strong"],"text":"ETN (Exchange-Traded Note)"},{"_key":"d5a5770567dd","_type":"span","marks":[],"text":" - Unsecured debt securities that don't own assets but promise to match index returns."}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"c96e1576d467","_type":"block","children":[{"_key":"6284f539b6c3","_type":"span","marks":[],"text":""},{"_key":"626039451657","_type":"mainAnchor","pageAnchor":{"_ref":"957565b7-0e48-493b-b2c8-f9c293e8527a","_type":"reference"}},{"_key":"7e555a475dfb","_type":"span","marks":[],"text":"What are the most popular ETFs in 2025?"}],"markDefs":[],"style":"h3"},{"_key":"50e1dcc85dba","_type":"block","children":[{"_key":"7ef8485bb4a6","_type":"span","marks":[],"text":"Curious where other investors are putting their money right now? Each month, we go straight to the source - top UK platforms like AJ Bell, Fidelity, Hargreaves Lansdown and interactive investor - to find out which ETFs are trending."}],"markDefs":[],"style":"normal"},{"_key":"32f226649c67","_type":"block","children":[{"_key":"f10106dc09d9","_type":"span","marks":[],"text":"Whether you're after inspiration, reassurance, or just a nosey peek at the crowd favourites, our regularly updated list reveals which ETFs are winning the popularity contest. Click below to see the latest chart-toppers and discover the ETFs investors are backing this month."}],"markDefs":[],"style":"normal"},{"_key":"c38e88e7be08","_type":"block","children":[{"_key":"51f495d30d43","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"8b7dea2bda41","_type":"block","children":[{"_key":"39be579df116","_type":"span","marks":["strong"],"text":"Best-selling funds, Investment Trusts and ETFs of the month"}],"markDefs":[],"style":"normal"}],"_key":"a75da29311c2","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"aadcd51e-3d7b-47ae-94da-4226f4f25ea8","_type":"reference"},"text":"CLICK HERE"},{"_key":"ae1f95cedf49","_type":"block","children":[{"_key":"d713808ae15c","_type":"span","marks":[],"text":""},{"_key":"f72f60c0983b","_type":"mainAnchor","pageAnchor":{"_ref":"34b1353a-e3e4-4949-a55d-dde0ba144f90","_type":"reference"}},{"_key":"4fec03eb05d3","_type":"span","marks":[],"text":"Key takeaways on ETFs"}],"markDefs":[],"style":"h2"},{"_key":"198ddfc75049","_type":"block","children":[{"_key":"218f107231d4","_type":"span","marks":[],"text":"💰 Easy diversification at low cost"}],"markDefs":[],"style":"h3"},{"_key":"286377f939d8","_type":"block","children":[{"_key":"a2f9c6206de3","_type":"span","marks":[],"text":"ETFs are a simple way to diversify your portfolio without having to pick individual stocks. They offer broad market exposure (e.g., global or sector-specific indices) usually at a lower cost to actively managed funds, making them ideal for beginner investors looking to build a low-maintenance portfolio."}],"markDefs":[],"style":"normal"},{"_key":"02935918ca93","_type":"block","children":[{"_key":"04d0ba4ed0c9","_type":"span","marks":[],"text":"💭 Choose between active and passive "}],"markDefs":[],"style":"h3"},{"_key":"624b809b0419","_type":"block","children":[{"_key":"bb32e5b61ec7","_type":"span","marks":[],"text":"Deciding whether to invest in passive or active ETFs depends on your investment goals. Passive ETFs track a market index and typically have lower fees, while active ETFs are managed by professionals aiming to beat the market. For most beginners, passive ETFs are a great starting point, offering stable, long-term growth potential."}],"markDefs":[],"style":"normal"},{"_key":"47c617dae2b6","_type":"block","children":[{"_key":"2d483787d393","_type":"span","marks":[],"text":"📈 Understand costs and trading dynamics"}],"markDefs":[],"style":"h3"},{"_key":"505ff6ddcfd1","_type":"block","children":[{"_key":"ad2c6e092fd5","_type":"span","marks":[],"text":"While ETFs generally have low fees, it's essential to understand all the costs involved, such as commission fees and the bid-ask spread. ETFs trade like stocks, meaning you can buy or sell anytime during market hours. However, be aware of potential price fluctuations based on demand and supply, especially in niche markets."}],"markDefs":[],"style":"normal"},{"_key":"1d59810c0821","_type":"block","children":[{"_key":"c5055dbdfd8f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"89202e17d1dd","_type":"block","children":[{"_key":"f63fe2ae85cc","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"11eed913b2aa","_type":"block","children":[{"_key":"b95466f10234","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3791858955","_type":"block","children":[{"_key":"699651af7e14","_type":"span","marks":[],"text":"[1] "},{"_key":"ae7276ad1c35","_type":"span","marks":["da4d0749d56f"],"text":"Fidelity, January 2025"}],"markDefs":[{"_key":"da4d0749d56f","_type":"internalLinkPick","reference":{"_ref":"cd42b887-ca6d-491e-a878-46714bce07e6","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"52189da98b0e","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/etfs/"}],"categories":[{"_key":"9812e902959a","_ref":"a9695476-b643-4a18-be2a-e8dbf3420afd","_type":"reference"},{"_key":"3b450247e67d","_ref":"b09bc8a1-3225-47eb-aa7d-538473acdb89","_type":"reference"},{"_key":"3b9e172aceca","_ref":"4dc1ccb5-1a9d-4ee4-ace6-90c800bf0901","_type":"reference"}],"content":[],"emailSignupWidgetButtonText":"JOIN US","emailSignupWidgetParagraphText":"Join us for free and gain access to award-winning, jargon-free guidance that makes complex money topics both understandable and actionable. Compare investment platforms, ISAs, and pensions through objective reviews and user ratings to find the perfect home for your money. Cut through the financial noise with expert guidance that empowers you to make smarter investment decisions without the confusing terminology that often surrounds personal finance.","enableGatedContent":true,"excerpt":[{"_key":"98dd0dbb9d5a","_type":"block","children":[{"_key":"bd51787a25a9","_type":"span","marks":[],"text":"Discover how Exchange-Traded Funds (ETFs) work in our beginner-friendly guide. Learn about diversification benefits, low costs, trading basics, and how to choose the right ETFs for your investment goals in 2025."}],"markDefs":[],"style":"normal"}],"gateStyle":"Original - Faded","gatedContentBody":[{"_key":"ee8cf9beea42","_type":"block","children":[{"_key":"403559427f68","_type":"span","marks":[],"text":"ETFs (Exchange-Traded Funds) have exploded in popularity, with global values exceeding $10.4 trillion in 2024. These ready-made investment bundles trade like shares but contain many assets – like getting the entire Top 40 chart in one purchase."}],"markDefs":[],"style":"normal"},{"_key":"100942ec38ca","_type":"block","children":[{"_key":"f15eee7cb8ae","_type":"span","marks":[],"text":"Why Investors Love ETFs"}],"markDefs":[],"style":"h2"},{"_key":"3e9823a4b3f7","_type":"block","children":[{"_key":"6c4b7e0f635b","_type":"span","marks":[],"text":"ETFs offer instant diversification across companies, sectors, or themes while keeping costs low. Most track market indices passively, meaning no expensive fund manager – so more of your money stays invested and growing."}],"markDefs":[],"style":"normal"},{"_key":"490448975609","_type":"block","children":[{"_key":"56f3e1598cd6","_type":"span","marks":[],"text":"Perfect if you're new to investing, cost-conscious, or want broad market exposure without picking individual shares."}],"markDefs":[],"style":"normal"},{"_key":"85a496e1722e","_type":"block","children":[{"_key":"9792dbb3e19c","_type":"span","marks":[],"text":"Worth Considering"}],"markDefs":[],"style":"h2"},{"_key":"9d4b2d21dff3","_type":"block","children":[{"_key":"0b519ce6049d","_type":"span","marks":[],"text":"ETFs aren't ideal for everyone. You can't pick the companies inside them (challenging for ethical investors), and owning multiple ETFs might mean unknowingly doubling up on the same investments."}],"markDefs":[],"style":"normal"},{"_key":"5ef4283a5d44","_type":"block","children":[{"_key":"605466820c68","_type":"span","marks":[],"text":"Continue reading our comprehensive guide below."}],"markDefs":[],"style":"normal"}],"hidePublishedAtDate":false,"linkMenu":[{"_key":"1cc597c5ce17","_ref":"ff192dd4-e800-412b-9ea1-a785a66550ba","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-fe162accb7da262d17df275b156f8e12c0d014d1-1920x1080-png","_type":"reference"},"blankAltTag":true},"pageBreadcrumb":{"_ref":"c69c3651-50cc-4bc5-8e3e-87bd5c9f0b7f","_type":"reference"},"publishedAt":"2025-05-15T11:34:57.647Z","slug":{"_type":"slug","current":"etfs"},"subfolder":{"_ref":"1e199c4b-b2a5-4733-b5fb-18b5874bd698","_type":"reference"},"template":"C-SB","textNextToKey":"Sign up for free to read more!","theme":"Boring Money theme","title":"ETFs Explained: A Comprehensive Guide for New Investors","widgets":[{"_key":"3da49e60ae25","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"946d1bcbc517","_ref":"3a6edac9-161a-4f04-9675-c3dbaeffad1b","_type":"reference"},{"_key":"2ca52feb8f98","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-b9c0d3ad-9742-5875-8a02-546ad55d27f8","children":[],"parent":null}}],"style":"h3"},{"_key":"058c88ebe042","_type":"block","children":[{"_key":"63fc3e598055","_type":"span","marks":[],"text":"ETFs have some similarities with mutual funds, in that they aim to give cheap, diversified access to stock markets and other securities markets. However, unlike mutual funds, ETFs are traded on an exchange and the price fluctuates according to demand. An ETF can trade at a premium or a discount to the value of the underlying assets (though with large, liquid ETFs, this is rare)."}],"markDefs":[],"style":"normal"},{"_key":"8175deb0832b","_type":"block","children":[{"_key":"b76f1a632d7f","_type":"span","marks":[],"text":"ETFs can be structured to track everything from commodity prices, to major indices, to baskets of stocks. The most popular ETFs track major indices such as the S&P 500 or the MSCI World. The world’s largest ETF – the SPDR S&P Ucits ETF is $18,749m in size[1]."}],"markDefs":[],"style":"normal"},{"_key":"0243fc58120b","_type":"block","children":[{"_key":"d26dfcb4698d","_type":"span","marks":[],"text":"ETFs have multiple options. When investing in stock markets or commodities, for example, they will use ‘physical’ or ‘synthetic’ replication. Physical replication requires buying a small share of each of the underlying securities. ‘Synthetic’ replication aims to create the index or commodity return using derivatives, such as futures."}],"markDefs":[],"style":"normal"},{"_key":"2b7d4c115dc0","_type":"block","children":[{"_key":"2269840712de","_type":"span","marks":[],"text":"There are also ETFs on currencies, including more esoteric areas such as Bitcoin and Ethereum. It is also possible to buy leveraged ETFs that offer 2x or 3x exposure to a particular security. There are also inverse ETFs, which use derivatives to go short a stock and – potentially – profit from its decline."}],"markDefs":[],"style":"normal"},{"_key":"96632f5de3b8","_type":"block","children":[{"_key":"94678e498d68","_type":"span","marks":[],"text":"ETFs are usually cheap and liquid. They offer an easy way to get access to a diversified portfolio of companies and investors can buy them easily through a platform or a broker. 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Their ability to grow wealth over the long term and generate reliable income has made them a popular and enduring investment option."}],"markDefs":[],"style":"normal"},{"_key":"f02672f9e59a","_type":"block","children":[{"_key":"2e48711a22ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"098f98318792","_type":"mainImage","alt":"Infographic outlining 3 key things you need to know about investment trusts.","asset":{"_ref":"image-77a48487e73acb03dbb2f57e8530a3474958dcdb-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"658b62bf65d5","_type":"block","children":[{"_key":"37e28dbba812","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"139857efca68","_type":"block","children":[{"_key":"12d0b8472e29","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a1005bf038af","_type":"block","children":[{"_key":"b1532024fcba","_type":"span","marks":[],"text":"At their core, Investment Trusts are collective investment vehicles which function similarly to a mutual "},{"_key":"e9fe7212ec0b","_type":"span","marks":["ccc3e390b038"],"text":"fund"},{"_key":"b3c1b8c9a605","_type":"span","marks":[],"text":". They pool together the money of investors (the trust's shareholders) and professional"},{"_key":"cf04b29e7808","_type":"span","marks":["0dc04f86fbe6"],"text":" fund managers"},{"_key":"e32c287aff05","_type":"span","marks":[],"text":" then invest this money in a diversified mix of "},{"_key":"d5c10a7cb69b","_type":"span","marks":["dae918e4dc8f"],"text":"assets"},{"_key":"00e617852dac","_type":"span","marks":[],"text":" - such as "},{"_key":"4dce9bf956a0","_type":"span","marks":["acf0e1aef236"],"text":"shares"},{"_key":"30ab9d197a8b","_type":"span","marks":[],"text":", "},{"_key":"b98c4a9280d9","_type":"span","marks":["ae80e5c2e424"],"text":"bonds"},{"_key":"ef5b5138e1c9","_type":"span","marks":[],"text":", or property - according to the investment aims of the particular trust."}],"markDefs":[{"_key":"ccc3e390b038","_type":"glossaryPick","reference":{"_ref":"18e00366-dfcb-4186-8d35-7d6abf19fde7","_type":"reference"}},{"_key":"ae80e5c2e424","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"dae918e4dc8f","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"0dc04f86fbe6","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}},{"_key":"acf0e1aef236","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"989f2700802e","_type":"block","children":[{"_key":"83fc9f89aa2a","_type":"span","marks":[],"text":"Unlike mutual funds, Investment Trusts are structured as closed-ended companies, meaning the number of shares available at any one time is fixed. This structure can lead to shares trading at a "},{"_key":"ca34a1df2419","_type":"span","marks":["db7d16e2b826"],"text":"premium"},{"_key":"7e483654a0fc","_type":"span","marks":[],"text":" or "},{"_key":"24f6721e852d","_type":"span","marks":["b541dc26b4e7"],"text":"discount"},{"_key":"c8a9e5db5ce9","_type":"span","marks":[],"text":" to the value of the underlying assets ("},{"_key":"d7c880d3e19e","_type":"span","marks":["38020b4e5112"],"text":"NAV"},{"_key":"f9e7404ed02b","_type":"span","marks":[],"text":"), depending on investor demand."}],"markDefs":[{"_key":"db7d16e2b826","_type":"glossaryPick","reference":{"_ref":"1830ef60-3809-4512-81e2-615746b98703","_type":"reference"}},{"_key":"b541dc26b4e7","_type":"glossaryPick","reference":{"_ref":"e83fac5f-7b96-4a74-a65e-ba25dad1285e","_type":"reference"}},{"_key":"38020b4e5112","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"a2afd30ca564","_type":"block","children":[{"_key":"3b189eacf653","_type":"span","marks":[],"text":"Investment Trusts can suit a range of different investment styles and goals. You can choose trusts that focus on specific regions, such as Europe, the US, or emerging markets, or sectors like technology, healthcare, renewable energy, or infrastructure. There are also trusts that focus on niche areas like property or care homes, providing exposure to investments that may be otherwise difficult to access or trade (\""},{"_key":"e129343ccb8b","_type":"span","marks":["ea49f06947df"],"text":"illiquid"},{"_key":"1ce1ed5704d8","_type":"span","marks":[],"text":"\")."}],"markDefs":[{"_key":"ea49f06947df","_type":"glossaryPick","reference":{"_ref":"218d3eda-c963-4bda-8132-0eaae6e1bbd2","_type":"reference"}}],"style":"normal"},{"_key":"c894f0d25c5d","_type":"block","children":[{"_key":"f974a8a3f536","_type":"span","marks":[],"text":"One of the key benefits of Investment Trusts is their potential to provide regular income. Many trusts pay cash "},{"_key":"6b1303b80038","_type":"span","marks":["5a8128b50585"],"text":"dividends"},{"_key":"90e3bcf565f8","_type":"span","marks":[],"text":", which is why they're popular with income-seeking investors such as retirees. Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"2c07e60a4da8","_type":"span","marks":[],"text":""},{"_key":"3a045beca655","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"7400f049b056","_type":"span","marks":[],"text":"Are Investment Trusts right for me?"}],"markDefs":[],"style":"h2"},{"_key":"da726e264102","_type":"prosConsWidget","cons":["Need access to your money at short notice","Are new to investing and don’t want to mess with discounts, premiums, or volatility","Are risk-averse and would prefer to stick with cash or something similar"],"consTitle":"Bad if you ","pros":["Are comfortable with the idea of ups and downs","Want access to a broad range of investments but don’t fancy picking stocks yourself","Trust the pros to steer the ship"],"prosTitle":"Good if you "},{"_key":"bbc4c864c5f9","_type":"block","children":[{"_key":"274fef21dfed","_type":"span","marks":[],"text":""},{"_key":"1231ad32bbd9","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"bfbdaaec0a78","_type":"span","marks":[],"text":"The pros of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"987121fd1d55","_type":"block","children":[{"_key":"b066335137b2","_type":"span","marks":[],"text":""},{"_key":"a106ca03e81d","_type":"mainAnchor","pageAnchor":{"_ref":"c61f58f5-a3e8-4203-9ded-6b3875fa2188","_type":"reference"}},{"_key":"46ad9aed4eea","_type":"span","marks":[],"text":"✅ Potential for higher returns"}],"markDefs":[],"style":"h3"},{"_key":"3e95d338e20f","_type":"block","children":[{"_key":"3228d62622a3","_type":"span","marks":[],"text":"Investment Trusts can borrow money to try and boost returns with a process called “"},{"_key":"93ad4aee2bcf","_type":"span","marks":["915385f7dc42"],"text":"gearing"},{"_key":"dbb790e24479","_type":"span","marks":[],"text":".” If the trust’s underlying investments do well, borrowing can help make magnify the gains. Also, because Investment Trusts don’t have to sell investments when shareholders take their money out (unlike other types of fund), the manager has the freedom to focus on long-term growth without being forced to react to short-term panic. So investors also benefit from having an expert at the helm with the discretion to make informed decisions to maximise profit. We explain more about gearing in the next section."}],"markDefs":[{"_key":"915385f7dc42","_type":"glossaryPick","reference":{"_ref":"f97d6d3d-a4b0-45b3-a1a0-740b0e4d32d6","_type":"reference"}}],"style":"normal"},{"_key":"d80ac354e71e","_type":"block","children":[{"_key":"de4c277b16d2","_type":"span","marks":[],"text":""},{"_key":"dc4de9583c83","_type":"mainAnchor","pageAnchor":{"_ref":"6fa81efd-82ed-42c2-a837-c792bcb22e99","_type":"reference"}},{"_key":"0cb280b89aeb","_type":"span","marks":[],"text":"✅ Reliable income"}],"markDefs":[],"style":"h3"},{"_key":"06efd25d4dd7","_type":"block","children":[{"_key":"ebbf9ceeeea0","_type":"span","marks":[],"text":"Many Investment Trusts are known for providing a steady income, thanks to something called “dividend smoothing.” Unlike regular funds, which have to pay out all the income they earn each year, Investment Trusts are allowed to hold back up to 15% of that income. They can stash it away in a reserve during the good years and then use those reserves to top up payouts in tougher years, when income might dip. "}],"markDefs":[],"style":"normal"},{"_key":"09f8756504e9","_type":"block","children":[{"_key":"c9cbbb226677","_type":"span","marks":[],"text":"This creates a smoother, more reliable stream of income for investors. It’s especially useful for people who rely on dividends to pay the bills, such as those in retirement, or anyone who simply prefers a consistent drip of income rather than big highs and lows. Some trusts have done this so well that they’ve managed to increase their dividend every single year for decades, even during financial crises and market crashes. "}],"markDefs":[],"style":"normal"},{"_key":"b1bd31ed541b","_type":"block","children":[{"_key":"55fa0c0f896c","_type":"span","marks":[],"text":""},{"_key":"d064746f773e","_type":"mainAnchor","pageAnchor":{"_ref":"794509b4-5361-4868-b0d0-39b68b1c15dc","_type":"reference"}},{"_key":"2c81483cd2e1","_type":"span","marks":[],"text":"✅ Independent oversight"}],"markDefs":[],"style":"h3"},{"_key":"25a4a648d1f6","_type":"block","children":[{"_key":"825a8816d961","_type":"span","marks":[],"text":"Every Investment Trust has its own independent board of directors and their job is to make sure everything’s running as it should. Think of them like a watchdog or a built-in quality control team. They don’t manage the money directly, but they do oversee the "},{"_key":"ee7dec9f1d2b","_type":"span","marks":["6c743728b6de"],"text":"fund manager"},{"_key":"f45db98760d9","_type":"span","marks":[],"text":", making sure they’re sticking to the trust’s strategy and doing a good job for investors."}],"markDefs":[{"_key":"6c743728b6de","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"1e96a3919610","_type":"block","children":[{"_key":"f6dba4981e15","_type":"span","marks":[],"text":"If the trust is performing badly, taking too much risk, or drifting away from its stated goals, the board can step in, ask tough questions, and even replace the manager if needed. It’s their job to put investors’ interests first and hold the manager accountable. This kind of independent oversight is a big plus for Investment Trusts and not something you always get with other types of funds."}],"markDefs":[],"style":"normal"},{"_key":"31f57f469a2a","_type":"block","children":[{"_key":"ec4985853e6e","_type":"span","marks":[],"text":""},{"_key":"d75330187d67","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"22d77001232b","_type":"span","marks":[],"text":"The cons of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"a8124a8c29f3","_type":"block","children":[{"_key":"a20f416997cc","_type":"span","marks":[],"text":""},{"_key":"a54dc452d47f","_type":"mainAnchor","pageAnchor":{"_ref":"9b4cea8b-d750-4aa5-abff-0daffb6c21cb","_type":"reference"}},{"_key":"d46e98709f3a","_type":"span","marks":[],"text":"❌ More complex pricing"}],"markDefs":[],"style":"h3"},{"_key":"e67850bac45d","_type":"block","children":[{"_key":"b8362b4bf79f","_type":"span","marks":[],"text":"Investment Trusts are listed on the stock market, which means you buy and sell them just like shares. But here’s the catch: the price you pay isn’t always the same as the value of what the trust actually owns - known as the Net Asset Value (NAV)."}],"markDefs":[],"style":"normal"},{"_key":"52cbe0cee3dc","_type":"block","children":[{"_key":"f6fc34513289","_type":"span","marks":[],"text":"Sometimes, a trust’s shares trade at a premium, meaning you’re paying "},{"_key":"f445ca7120fb","_type":"span","marks":["em"],"text":"more"},{"_key":"a2132321b21a","_type":"span","marks":[],"text":" than the total value of its assets. Other times, they trade at a discount, which means you’re getting the assets for less than they’re technically worth. That can sound like a bargain (and sometimes it is), but it can also be a sign that something’s not right - like poor performance or low demand."}],"markDefs":[],"style":"normal"},{"_key":"41f4e84268c6","_type":"block","children":[{"_key":"22908b3bb771","_type":"span","marks":[],"text":"This adds an extra layer of complexity, especially for newer investors. You’re not just looking at how the underlying investments are doing, you also have to think about how the market feels about the trust itself, which can affect the price."}],"markDefs":[],"style":"normal"},{"_key":"63d25222e343","_type":"block","children":[{"_key":"72026564e187","_type":"span","marks":[],"text":""},{"_key":"679fdad8c870","_type":"mainAnchor","pageAnchor":{"_ref":"44bb3d1e-b243-4451-81d3-20d682dadb53","_type":"reference"}},{"_key":"02eac03b2b4c","_type":"span","marks":[],"text":"❌ Volatility from gearing"}],"markDefs":[],"style":"h3"},{"_key":"573c14c47d8c","_type":"block","children":[{"_key":"43239b21b7bb","_type":"span","marks":[],"text":"Gearing can boost returns when markets are rising, as the trust has more capital working for it. But it cuts both ways. If markets fall, gearing can amplify losses, because the trust still owes what it borrowed. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. Always check before you invest - the "},{"_key":"38ab6bff7723","_type":"span","marks":["562c044fcda2"],"text":"Association of Investment Companies (AIC)"},{"_key":"cb24c5106044","_type":"span","marks":[],"text":" is an industry body which represents trusts in the UK and is a great place to start your research."}],"markDefs":[{"_key":"562c044fcda2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"a096aa70-a20c-4b8a-a6a1-cb4a650afce6","_type":"reference"}}],"style":"normal"},{"_key":"9e94bdbf275f","_type":"block","children":[{"_key":"53101b04439a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a444e9eff618","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-c1a44dfa26a59e148b8614f83e2a1df3f4b4cdcf-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"fdf7147b9782","_type":"block","children":[{"_key":"422f50bec8c0","_type":"span","marks":[],"text":"💡 Where to check for gearing"}],"markDefs":[],"style":"h4"},{"_key":"d7c038e7d74d","_type":"block","children":[{"_key":"00db00ad188e","_type":"span","marks":[],"text":"Investment Trust factsheets and/or annual reports typically display the current gearing level as a percentage of total assets. For example, a gearing level of 10% means the trust has borrowed an amount equal to 10% of its net assets, allowing it to invest more than it otherwise could. 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"},{"_key":"620e4a29f0d4","_type":"span","marks":["65842c36ad4e"],"text":"Diversified"},{"_key":"181b0e418585","_type":"span","marks":[],"text":" income funds such as the VT Tyndall Unconstrained UK Income fund or Jupiter UK Multi-Cap Income fund can roam up and down the market capitalisation depending on where the managers see value."}],"markDefs":[{"_key":"320bef632173","_type":"glossaryPick","reference":{"_id":"994deb80-8509-476d-8345-fe3b73fef6dd","_type":"glossaryHover","_rev":"zN9dkQTAaPz6IPeiY3P0Ki","_createdAt":"2025-08-12T12:51:16Z","_updatedAt":"2025-09-22T12:09:01Z","_system":{"base":{"id":"994deb80-8509-476d-8345-fe3b73fef6dd","rev":"ZvHxbSwnauYpircB2wyegZ"}},"description":"A company valued between £2 billion and £10 billion.\nIts shares sit between those of small‑cap (smaller companies) and large‑cap (big companies), usually offering a mix of growth potential and stability.","title":"Mid Cap","id":"-c1371561-cdfb-55df-9231-adf0b79c82d5","children":[],"parent":null}},{"_key":"65842c36ad4e","_type":"glossaryPick","reference":{"_id":"4e600be7-9819-47d4-9ee6-de4019f8a10e","_type":"glossaryHover","_rev":"kKnAee8SDxIeCH15D1hXTb","_createdAt":"2025-04-30T13:36:46Z","_updatedAt":"2025-04-30T13:36:58Z","description":"The process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk.","title":"Diversification","id":"-ada074ac-f745-5c2c-98c7-d66ff9884e05","children":[],"parent":null}}],"style":"normal"},{"_key":"fd930244a870","_type":"block","children":[{"_key":"60b6eabaed6b","_type":"span","marks":[],"text":"One option for investors wanting a sustainability overlay would be the Jupiter Responsible Income fund."}],"markDefs":[],"style":"normal"},{"_key":"04da77651be6","_type":"blockQuote","adviserName":"Gavin Haynes","jobTitle":"Investment consultant, Fairview Investing","quote":[{"_key":"fd930244a870","_type":"block","children":[{"_key":"60b6eabaed6b","_type":"span","marks":[],"text":"This fund invests in UK dividend producing stocks aiming to generate an attractive income and capital growth. The managers employ strict ethical guidelines of areas they will not invest”. This means they naturally avoid many of the largest UK stocks."}],"markDefs":[],"style":"normal"}]},{"_key":"3e3802669445","_type":"block","children":[{"_key":"1df898e61dd9","_type":"span","marks":[],"text":"This means they naturally avoid many of the largest UK stocks."}],"markDefs":[],"style":"normal"},{"_key":"759c7f50d976","_type":"block","children":[{"_key":"ab1fe8146da9","_type":"span","marks":[],"text":"There are still opportunities within bond markets. Alex Farlow, associate director, multi-asset research at Titan Square Mile, says the AXA Sterling Credit Short Duration fund is a lower risk option. "}],"markDefs":[],"style":"normal"},{"_key":"26d8f5d03a88","_type":"blockQuote","adviserName":"Alex Farlow","jobTitle":"Associate Director, multi-asset research, Titan Square Mile","quote":[{"_key":"759c7f50d976","_type":"block","children":[{"_key":"ab1fe8146da9","_type":"span","marks":[],"text":"It invests in short-dated corporate bonds which generate the fund’s income stream and which tend to be less volatile than the broader corporate bond market. About 20% of the portfolio matures each year meaning the manager can reinvest to secure higher yields, something which provides some protection against any future rises in interest rates. While the fund could be seen as a cash substitute for those comfortable with a higher level of volatility than cash, it should nonetheless generate a higher income over time."}],"markDefs":[],"style":"normal"}]},{"_key":"c2b122bfba46","_type":"block","children":[{"_key":"381989b6b58f","_type":"span","marks":[],"text":"Ian Rees, head of the multi-manager team at Premier Miton, also likes short-duration funds, particularly those that focus on higher quality bonds. He says that in the current environment, investors aren’t getting a lot of compensation for taking a risk on riskier investments. He likes the M&G range. This includes the M&G Corporate bond fund or the M&G Strategic Corporate Bond fund."}],"markDefs":[],"style":"normal"},{"_key":"f9f676030b01","_type":"block","children":[{"_key":"97255c2b787b","_type":"span","marks":[],"text":"He says that asset backed bond funds may be another option for investors in the current environment. 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