There are lots of different ways of investing your money and I believe that there are two or three things that are really important when deciding which is the best for you.

What level of risk do you want to take for the investment. If you want guaranteed income and no risk of losses then Brazilian mining stocks are not really for you.

Do you need access to your money at all times or are you prepared to put it away for a few years. This is an important consideration as different investments have various rules, which need to be explained before you commit.

How is your money doing. Lots of people invest and then do not take any interest in it for years!

Finding out how to invest your money in a way that is right for you can only be done after discussions with you, about your needs and circumstances.

As with all investments, everybody needs help with making sure that your money is invested properly with the correct amount of risk for you and that it is invested in good funds that will grow.

Somebody needs to keep an eye on how your money is doing and whether it is in the right place. So many people I have met have lost a lot of money in the last few years, because neither they or their adviser was looking after the where your money is invested.

I manage your money, change where its invested or how much risk to take depending on market conditions. You get your simple quarterly report to tell you how you are doing.

You get an agreed management service for an agreed fee, surely that's better than keeping your fingers crossed.