When you invest in equities (also called stocks), you buy a share in a company and become a shareholder. Equities are typically more appropriate for long-term investing – for those who can ride out the highs and lows of the market in search of higher rewards.

Fixed income securities, or bonds, are issued by companies and governments as a way of raising money. They’re basically an ‘I.O.U’ – designed to provide a regular stream of income (which is normally a fixed amount) over a specified period of time.

While traditional assets like equities and fixed income are traded on the public markets, alternative investment strategies such as real estate, infrastructure, and private credit are less sensitive to the movements of global markets.

If you're looking for better rates of return on deposits than you’d get in an ordinary bank account, cash funds may be an option to consider. They often invest in very short-term bonds known as ‘money market instruments’, which are essentially banks lending money to each other.

A multi-asset strategy combines different types of assets – stocks, bonds, real estate, or cash for example – to create a more nimble and broadly diversified portfolio. Fund managers will balance asset classes to achieve particular investment objectives.

Fifty years of indexing have proven investing doesn’t need to be expensive, or complex. There’s quite literally an index fund for every market exposure and investment strategy you could possibly need, which means more opportunities for more investors.