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Actively managed funds have become the pariah of the investment world. In America, for example, assets under management in passively managed or “tracker” funds recently exceeded those in actively managed funds for the first time in history.

Millions of people save into pension funds each year, in the hope that their money will grow enough to help pay for their retirement. But each of these savers have different ideas about what makes a ‘good’ investment – and the pension industry has to cater for them all.

Retail investors in the UK flocked back to markets in November 2023, reversing the flight to safety witnessed in the previous months.

I’ve never been very good at New Year’s resolutions. Gym memberships languish unused, books wait anxiously unread on my bedside table and my alcohol intake slowly heads skyward following a failed attempt at Dry January.