Managing my financial journey
Managing my financial journey

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Managing my financial journey

Use a fund manager or go it alone?

The growth of investment funds reflected a desire by investors to pass responsibility for their investments to fund managers.

Activity 1.2

What are the attractions in using fund managers as an alternative to looking after one’s own investments?


The individual investor may be seeking to gain the fund manager’s expertise (with this being reflected in the returns from the investments). If nothing else, passing the responsibility also means that the individual does not need to spend time arranging and managing their investments. However, by passing responsibility, subject to the fund invested in and the mandate given to the fund manager, there is a loss of control by the individual over the management of their investments. Additionally, even the most experienced of fund managers sometimes achieve poor returns on the funds they are managing. Passing responsibility will also result in fund management charges being levied on the individual investor.


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