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A mutual fund is a collective investment vehicle. The fund invests
assets pooled from different sources, both institutional and retail. The investor buys units in the
fund, which can increase or decrease in value depending on the performance of the underlying
assets. Funds can be open-ended (in that they can sell units of the fund indefinitely), or they can
be closed-ended (in that they only offer a set number of shares). Any currency conversions used in
the creation of this report have been calculated using constant 2003 annual average exchange
For the purposes of this report, the European market comprises Belgium, Denmark, France,
Germany, Ireland, Italy, Netherlands, Norway, Spain, Sweden, Switzerland and the UK...
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