As individuals are becoming more and more responsible for ensuring their own
financial future, portfolio or fund management has taken on an increasingly
important role in banks' ranges of offerings to their clients. In addition, as
interest rates have come down and the stock market has gone up and come down
again, clients have a choice of leaving their saving in deposit accounts, or
putting those savings in unit trusts or investment portfolios which invest in
equities and/or bonds. Individuals are becoming aware that they might need to
top up government pension allocations. Likewise, corporations who run employee
pension schemes have to ensure that they are able