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Responsible investment is an area littered with buzz words and acronyms and understanding all of this alphabet spaghetti should be the de facto starting point on this journey. Retail - the fund is aimed at ordinary investors. Some fund houses use this name on clean funds which carry no commissions for financial advisers, supermarkets or brokers, just the fee levied by the fund manager.

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Bestinvest has published its latest Best Funds List to help consumers achieve the best returns. When I was about seven, my teenage aunt dated a young man who worked as a trainee butcher. Model portfolios have quickly gathered pace ever since the RDR, as financial advisers have increasingly looked to outsource their investment operations and focus on financial planning.