Stock markets have had an awful start to the year – down 20% from their April 2015 high in some cases – so it’s even more important than ever to be in funds where the fund manager is earning their fee, and making your money grow.

If you have money in an investment fund, you can’t guarantee it will perform well year in year out.

It was a tough start to the year for investors. We went straight into a Bear market, where the stock market fell significantly, and the FTSE 100 has fallen by a massive 20% from its April 2015 highs.

So is now the time to look for buying opportunities and invest in more shares?

Watching the value of your investments collapse in a big market sell-off is an alarming experience, and all the more so if you are hoping your portfolio will fund your retirement.