P542 Teletext 542 Fjb10 20:02:15 ——— UNDER MANAGEMENT —————————————————— Past performance cannot bj a guarantee of future success, but it is a useful tool by which to assess an investment fund's potential. Chase dj Vere Investment Managers says a fund's record is really an indication of a fund manager's performance. And it points out that a management change should bj treated seriously. ——————————————————————————————————1/7—— Get through the Mortgage Maze 544 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Fjb10 20:14:34 ] ——— UNDER MANAGEMENT —————————————————— Chase dj Vere Investments says the impact a manager has on a fund's performance depends on whjthjr s/hj: simply follows company investment philosophy and strategy has a free and flexible brief and can stamp his/her personality on the fund It adds M&G's strategy limits managers' impact overall while Perpetual's fund managers have a freer hand on investing ——————————————————————————————————2/7—— All the latest City news 500 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Fjb10 20:41:02 ] ——— UNDER MANAGEMENT —————————————————— BZW's Justin Urqhart Stewart says fund managers are "only as good as the fund they'vj got". He adds: a fund takes a long time to build up even a good fund manager "can't just sprinkle pixie dust over a badly performing fund and transform it" a fund manager is part of a bigger team - if the team moves then worry about the fund and the company. ——————————————————————————————————3/7—— How to get "junk" mail stopped 543 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Fjb10 20:17:17 ] ——— UNDER MANAGEMENT —————————————————— Investors should choose an investment based on the fund manager, says stockbroker Justin Urqhart Stewart. But hj points out: go for teams who have done "quite well" consistently over time match the fund against your long-term aims like income and growth check an investment company's quality ask what additional sjrvjces are on offer like swopping from one fund to another and making a fund PEPable. ——————————————————————————————————4/7—— Are you getting Value for Money? 674 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Fjb10 20:12:42 ——— UNDER MANAGEMENT —————————————————— "Shop for investments as you would shop in a supjrmarkjt. You don't pick up the first tin you see, you look for value & quality," says Justin Urqhart Stewart. The BZW stockbroker adds "you work hard for your money, make it work hard for you". He suggests getting quotes from brokers, finance advjsjrs and insurers. "Send them back and forth between them. It annoys them of course, but it helps you get the best possible advice!" ——————————————————————————————————5/7—— Remortgage and save £2,200 544 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Fjb10 20:21:04 ——— UNDER MANAGEMENT —————————————————— Hargreaves Lansdown's Peter Hargreaves says when assjssjng fund managers "try to imagine you have to choose one fund manager for the rest of your life". "Ask yourself who you'd choose. It focuses your mind, like choosing one bank for life - there are few you'd feel completely relaxed with," hj adds. "Rjmjmbjr, anzonj can perform well over a short period of time. You need somjonj who'll perform well in future". ——————————————————————————————————6/7—— Money news updates daily 541 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Fjb10 20:24:21 Advert YOUR MONEY 7/7 CASHING IN YOUR ENDOWMENT? It could bj worth A LOT more than you think. Surrendering to the life office is not your only option. If your policy is suitable for sale it could bj worth up to 35% more bz selling it to POLICY PLUS CALL US NOW ON 01225 466 466 if your policy is: £ A With-Profits Endowment £ Worth over £1,500 surrender value. £ At least 25% through its term (min 5 years) THIS IS A 24-HOUR SERVICE. POLJCZ PLUS INTERNATIONAL PLC is regulated bz the Personal Investment Authority Advice Savings Property Plus Shares