Chart: Shares magazineSource: AJ Bell, Bank of England, FE, Morningstar, ONS. Total Return in GBP to 31 December 2023, Gold: performance of average of three gold ETFs, 60:40 fund: Vanguard LifeStrategy 60% Equity, Gilt fund: IA UK gilts sector average, Absolute Return fund: IA Targeted Absolute Return sector average, Cash ISA: effective interest rates on Cash ISAs. Global Passive Equity fund: Fidelity Index World.