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Sunday 28 March 1999 00:02 GMT

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I am a new Fool and am considering which PEP to buy before 5 April. I was going to go for a tracker PEP. However, I am tempted by one of their managed funds which seems to show good returns. Would it be much more of a gamble?

BR by e-mail

A survey published last week by Lipper showed that less than 6 per cent of managed funds beat the index over the five years to 28 February, 1999. Not only that, but any fund that did beat the index in a given year had only a one-third chance of replicating that in the following year. Tracker funds are hard to beat.

Send us your question and if we publish it, you'll win a Fool baseball cap. E-mail to UKColumn@fool.com or post to Motley Fool, The Independent On Sunday, 1 Canada Square, London E14 5DL.

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