I would argue...that if you use a discount broker you could do as well as a fund of funds.

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We rate all Japanese funds as a nine or 10 out of 10 on the risk scale, but for those investors looking for a less volatile option than the Legg Mason fund, JP Morgan is our fund manager of choice.

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An index tracker is a simple and cheap way in for people who want to buy equities and not monitor their investments too closely.

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