"credible fund managers" are the people I have always worried about Sandys.
The problem is the often restrictive and often inappropriate parameters around which managers are allowed to invest money in a fund. In today's climate the investment/business model based on aberrations of the so called modern portfolio theory don't work in my humble and uniformed opinion.
I don't provide any advice ATM as there are no safe havens (and have not been for several years). Even cash can turn to toast.
