Many people leave it too late to build up retirement wealth, only to regret it later. The following five investment funds could help you build a nest egg, to avoid gambling your future on the state pension and triple foreclosure.

The sooner you start investing for your future, the better, said Darius McDermott, managing director of investment platform

This can be difficult when you are young and have other priorities, such as funding education and paying rent, when many have unstable jobs with flexible work and shorter contracts.

“Even if you don’t have a lot of cash on hand, saving something is better than nothing,” he said.

Investing is especially important if you want a chance to retire earlier, McDermott added. “The state retirement age is already 66 and will start to climb to 68 in five years. It will only increase after that.”

These five funds could give you a decent retirement pot to lean on.

UK SVM Opportunities. McDermott describes it as “a hidden gem in the crowded and highly competitive UK market.”

“He has been managed by Neil Veitch since 2006, who is an extremely experienced manager with an excellent track record.”

SVM UK Opportunities owns leading UK companies such as Lloyds Banking Group, National Grid and Prudential, and is up 41% over the past five years.

VT Downing Unique Opportunities. “This fund was only launched last year, but is managed by experienced manager Rosemary Banyard who looks for companies that have long-lasting competitive advantages, low leverage and strong management,” McDermott said.

The fund is off to a good start, up 34% in one year.

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Capital Group New perspective. This fund spreads your money globally for even greater diversification. In addition to the United States, it invests in Europe, emerging markets and Asia-Pacific.

It targets some of the world’s largest multinational companies, including Microsoft and Amazon, Taiwan Semiconductor Manufacturing, PayPal, and JP Morgan. The fund has posted an impressive 123% return over five years.

Jupiter strategic bond. McDermott said it’s worth balancing stock holdings with a bond fund, which offers stable income and growth, but with low risk.

He describes Jupiter Strategic Bond as a flexible “one-size-fits-all” fund that has the freedom to exploit opportunities in global bond markets.

Investment returns are inevitably lower, the fund is up 21% over five years, but holding bonds can calm your nerves when the stock markets are volatile.