Long term
Invest using index funds
A single global tracker can replace dozens of speculative picks while charging minuscule fees.
Diversification snapshot
Global equities
70%
Bonds
20%
Cash
10%
1. Pick a broad tracker
Look for funds like FTSE Global All Cap or S&P 500 trackers with low TERs.
2. Automate contributions
Invest monthly inside an ISA or pension to shelter gains from tax.
3. Rebalance annually
Adjust back to your target mix once a year, ignoring short-term noise.