What each category looks like
Examples shown here are for research and explanation only. They are not recommendations, endorsements, or instructions to buy or sell. Different products can have different risks, costs, tax treatment, liquidity, and tracking characteristics. Same page for everyone.
Nothing on this page comes from your answers.
Global shares
One fund holding thousands of companies all over the world.
Research term for this category: FTSE All-World
What differs between products in this category
- Whether the fund follows the UCITS rules — a European standard covering how widely a fund must spread its holdings, how those holdings are kept separate from the manager, and how often units can be traded. It says nothing about whether a fund fits your circumstances or how it will perform.
- Whether income is reinvested or paid out
- Yearly cost, typically under 0.20% for this category. It comes out of your money automatically, so lower leaves more of the return with you.
| Fund | ISIN | Yearly cost |
|---|---|---|
| Vanguard FTSE All-World UCITS ETF (USD) Accumulating | IE00BK5BQT80 | 0.2% |
Euro government bonds, 1–3 years
Loans to euro-area governments, paid back within three years.
Research term for this category: euro government bonds 1-3 years
What differs between products in this category
- Whether the fund follows the UCITS rules — a European standard covering how widely a fund must spread its holdings, how those holdings are kept separate from the manager, and how often units can be traded. It says nothing about whether a fund fits your circumstances or how it will perform.
- Whether income is reinvested or paid out
- Yearly cost, typically under 0.20% for this category. It comes out of your money automatically, so lower leaves more of the return with you.
A bond fund can rise or fall in value. It is not the same as a guaranteed deposit and does not promise repayment of your original amount.
| Fund | ISIN | Yearly cost |
|---|---|---|
| iShares Euro Government Bond 1-3yr UCITS ETF (Acc) | IE00B3VTMJ91 | 0.1% |
Euro government bonds, 3–7 years
Loans to euro-area governments, paid back in three to seven years.
Research term for this category: euro government bonds 3-7 years
What differs between products in this category
- Whether the fund follows the UCITS rules — a European standard covering how widely a fund must spread its holdings, how those holdings are kept separate from the manager, and how often units can be traded. It says nothing about whether a fund fits your circumstances or how it will perform.
- Whether income is reinvested or paid out
- Yearly cost, typically under 0.20% for this category. It comes out of your money automatically, so lower leaves more of the return with you.
A bond fund can rise or fall in value. It is not the same as a guaranteed deposit and does not promise repayment of your original amount.
| Fund | ISIN | Yearly cost |
|---|---|---|
| iShares Euro Government Bond 3-7yr UCITS ETF (Acc) | IE00B3VTML14 | 0.2% |
Euro government bonds, 7–10 years
Loans to euro-area governments, paid back in seven to ten years.
Research term for this category: euro government bonds 7-10 years
What differs between products in this category
- Whether the fund follows the UCITS rules — a European standard covering how widely a fund must spread its holdings, how those holdings are kept separate from the manager, and how often units can be traded. It says nothing about whether a fund fits your circumstances or how it will perform.
- Whether income is reinvested or paid out
- Yearly cost, typically under 0.20% for this category. It comes out of your money automatically, so lower leaves more of the return with you.
A bond fund can rise or fall in value. It is not the same as a guaranteed deposit and does not promise repayment of your original amount.
| Fund | ISIN | Yearly cost |
|---|---|---|
| iShares Euro Government Bond 7-10yr UCITS ETF (Acc) | IE00B3VTN290 | 0.2% |
Cash
Loans to euro-area governments, paid back inside one year.
Research term for this category: euro government bonds 0-1 year
What differs between products in this category
- Whether the fund follows the UCITS rules — a European standard covering how widely a fund must spread its holdings, how those holdings are kept separate from the manager, and how often units can be traded. It says nothing about whether a fund fits your circumstances or how it will perform.
- Yearly cost, typically under 0.15% for this category. It comes out of your money automatically, so lower leaves more of the return with you.
| Fund | ISIN | Yearly cost |
|---|---|---|
| iShares EUR Government Bond 0-1yr UCITS ETF | IE00B3FH7618 | 0.1% |
How to compare two funds
- Cost. The yearly cost is taken out of your money automatically. Lower is better, and over thirty years the difference is large.
- Acc or Dist. "Acc" puts the income straight back in for you. "Dist" pays it out to your account.
- Size. A bigger fund is less likely to be closed and merged into another one.
- How it tracks. "Physical" means the fund owns the things in the index. "Synthetic" means it holds a contract with a bank instead.