Is it best to invest in a portfolio of funds or an individual fund?

Our comparison tables include two different types of investments:

Diversified portfolios, which spread your investment across a number of funds

Individual funds, which put all of your investment in a single fund

It's usually sensible to spread your investments over a number of funds (although sometimes this is not possible for smaller investments as the funds have minimum investment limits). This is one of the most important principles of investing and is called diversification.

Diversification is the common-sense principle of not putting all your eggs in one basket. Choosing a portfolio of funds that are well-diversified is the only way to increase projected returns without taking more risk.

All of the portfolios shown in our comparison tables have been derived to maximise diversification and projected returns for a given level of risk.

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Cushon

Cushon Group Limited is registered in England and Wales with company number 10967805. Registered office: Stephenson House, 2 Cherry Orchard Road, Croydon, England, CR0 6BA. Cushon Money Limited is authorised and regulated by the Financial Conduct Authority with FRN 929465 and is registered in England and Wales with company number 11112120. Cushon Master Trust is regulated by The Pensions Regulator with PSR number 12008536. Cushon Group Limited is the sponsoring company of Cushon Master Trust and is registered in England and Wales with company number 10967805. We provide high quality impartial information but not advice, so it is important that you understand the risks of investing. The value of investments can go down as well as up which means you may get back less than you put in.