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welcome back to inside Asset Management our crash course into the am industry today were talking about Asset Management clients Asset Management firms have a diverse range of clients but broadly there are two main types retail investors and institutional investors retail investors are individual people like you and me lets say I want to save for a house or for retirement if I invest with an asset manager my money is pooled together with the money of others who are looking for similar types of investments into whats called a fund the manager of the fund often called a portfolio manager buys shares or other assets for the entire pool spreading our money over many Investments so were not relying on the fate of just one or two in other words putting our eggs in more than one basket reducing the risk now there are a few main types of investment vehicles you hear about mutual funds exchange traded funds or ETFs and separately managed accounts or smas in each of these your money is looked
