Do you not have the time, the opportunity or sufficient knowledge to manage your investments yourself, and do you plan to invest GBP250,000 or more?
Get an individual solution with your personal adviser as your discussion partner. You will get recommendations for your investments, but you make the active decision about your investment.
Achieve wider diversification of your investments and hence better risk management and lower costs by investing in a strategy fund.
Borrow money on your deposit and increase the possibility of higher returns. You must, however, be prepared to run a risk of loss.
Would you like to put your money aside to save up for, e.g., your retirement, a boat or a home? And would you like the money invested at the same time?
Have a thorough plan drawn up for your investments. Then you will know your investment profile and risk tolerance before you invest.