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Investment Guides

A guide differs from a category by what it adds to the list: the category shows every fund on one piece of ground, the guide explains how to separate them and in what order to ask the questions. Each starts from the index before discussing funds, because two funds reputed identical sometimes track different baskets, and a performance gap comes from that more often than from how they are run. Then come ongoing charges, the only variable known in advance, then realised tracking difference, domicile and distribution policy, which decide what the fund truly costs and what you receive after tax. The guides are dated and reviewed whenever one of their figures changes. Each also states what it does not cover, so that a reader knows when to stop relying on it and go to the fund's own annual report instead.

Published by Radif Partners · Updated

In-depth comparisons and rankings for every investment theme

Frequently asked questions

What do these guides explain?

Each guide takes one family of funds, world indices, the S&P 500, bonds, gold, real estate, emerging markets, dividends, technology, and explains what the index actually holds, what it costs to track, and where the risk sits. They are written to be read before using the screener, because choosing the index matters more than choosing the fund that tracks it.

Do I need to read them in order?

No, but start with the broad indices if you are new: world and S&P 500 cover most of what a long-term portfolio needs, and the other guides are easier to judge once you know what you are comparing them against. Each guide names the figures it relies on and the date it was last checked.

Do the guides say which fund to buy?

They say what to look at and in which order, which is not the same thing. Once you know the index you want, the screener ranks the funds that track it on charges, size and structure. The decision itself depends on your horizon, your tax wrapper and your tolerance for a fall, none of which a guide can know.

What each guide contains

A numeric summary built on the funds covered, a ranking explained criterion by criterion, characteristics compared row by row, and a section on what the theme actually covers. Past performance is never used as a ranking criterion: over the horizons published it says more about the index tracked than about the quality of management, and a ranking built on it reverses as soon as the cycle turns. What does serve as criteria are fees, assets, tracking quality and the structure of the fund.

Guide, category or filter: which to use

The filter is for when you already know what you want and need to narrow a list to a few candidates. The category is for when you want to see everything that exists on a given piece of ground, including what you would not have searched for. The guide is for when you do not yet know which questions to ask: it asks them in order and shows which one decides. All three rest on the same data, updated at the same time.

What no guide does

None names a fund to buy, none sets a portfolio allocation and none takes payment from an issuer to appear in a ranking. These guides are neither investment advice nor a personal recommendation: they know neither your horizon, nor your other assets, nor your tax position, and those three often decide the final choice on their own.