How does fund manager Toby Hayes construct the investment themes for the Franklin Templeton Diversified Income fund? He uses a series of strategies to gain exposure, but avoids typical correlations with other assets to reduce risk.


Performance, transparency and quality of service are important
Advisers warned against banking on U-turn
Financial advice not seen as ‘a profession at all, let alone a first-choice career’
‘Unpredictable’ careers and education gap playing a part