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In January the investment industry's thoughts turn to Isas, with acres of advertising space devoted to diverting your money from your wallet into one of the thousands of unit trusts and open-ended investment trusts (Oeics) on the market. Here, we ask leading Independent Financial Advisers for their Isa investment tips for different types of investors and where in the world the profits will come from this year.
We have recommendations for you depending on whether you are a first-time investor, an experienced investor or are seeking income from your investments.
Check out the recommendations
Funds to consider
Funds to avoid
And also, importantly, we have some recommendations on funds to avoid - or to disposes of in the form of Bestinvest's Spot the Dog" report.