“You may choose different funds, or look into a stocks and shares ISA, but whatever you choose, you have to make sure you bear goals, balance, cost and discipline in mind.
“Set out your goals, ensure your investments are balanced, have an idea of your costs, and then stick to your plan – be disciplined.”
But once again, Britons may need to go further to ensure investing is doing the job it is intended to do.
A failure to understand one’s investments could mean people end up doing more harm than good.
Mr Norton concluded: “In addition, you have to be thinking about the long-term when it comes to managing your money.