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Investment trust savings schemes 
Recent stock market corrections have left many investors thinking about their future strategies, but you can make this volatility work for you with regular payments into a unit or investment trust savings scheme.
By making regular savings, you buy more shares in a trust or units in a fund when they are cheap and fewer when they are expensive. This is known as "pound cost averaging" and spreads risk. Regular contributions into an investment fund mean you reduce the risk of investing all your capital just before a correction. Over time, as stock market values tend to rise, shares bought during dips become more valuable. Trying to time a lump-sum investment to coincide with the start of a period of good stock market performance is hard and delaying investment can sometimes lead to missed opportunities. Investing regularly helps avoid these problems. Monthly savings vehicles are a good option for people who do not wish to invest all their money in one go. Regular savings into an investment trust mean you don't have to find a lump sum and can invest as little as £20 a month. Furthermore, many trusts are priced at a discount to their net asset value. This means the sum of the price of a trust's shares is less than the value of its underlying assets, less any liabilities.
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