Investment

How to invest £10k and get the best return

4. Build a portfolio

Taking costs and diversification into account, you can build a portfolio. We recommend using low-cost funds and trusts rather than picking your own stocks – a risky practice even professionals struggle to do well. Divide your money between a handful of different low-cost funds: UK equity, UK corporate and government bonds, US equities, emerging markets, European equity, and maybe property. Remember, diversification and low costs are the keys here.

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