Our comparison tables include two different types of investments:
Diversified portfolios, which spread your investment across a number of funds
Individual funds, which put all of your investment in a single fund
It's usually sensible to spread your investments over a number of funds (although sometimes this is not possible for smaller investments as the funds have minimum investment limits). This is one of the most important principles of investing and is called diversification.
Diversification is the common sense principle of not putting all your eggs in one basket. Choosing a portfolio of funds that is well diversified is the only way to increase projected returns without taking more risk.
All of the portfolios shown in our comparison tables have been derived to maximise diversification and projected returns for a given level of risk.