Play safe or take a risk? Funds for all game plans

WHEN deciding which funds to buy for your stocks and shares ISA, the first step is to determine your attitude to risk, writes Harvey Jones.

- Harvey Jones

How much risk can you stand?

Nobody should invest in shares for periods of less than five years. To spread risk, they should diversify across countries, regions and sectors. Paul Angell, of AJ Bell, highlights eight funds and investment trusts. Remember that neither income nor capital growth is guaranteed and past performance is no guide to the future.

Cautious Investors

TwentyFour Corporate Bond, from TwentyFour Asset Management, pays income of around 6% a year from a spread of lower-risk UK corporate bonds.