Apple is among the larger holdings in the Polar Capital Global Technology fundALAMY

Each week we ask an expert for tips on how to invest £10,000. Today we start a new series — investments for children.

Ryan Hughes, 40, is head of fund selection at the investment platform AJ Bell. He said anyone saving for children should be prepared to take more risk. “This implies a focus on shares, given their potential to deliver the strongest returns . . . Also, you will usually be investing over a long period for a child — perhaps 10 years or more — so the impact of any short-term volatility [in the stock markets] is less relevant.” Here Hughes picks his top funds.

Fidelity Index World (up 19.5% over 12 months)
This is a passive fund that tracks the MSCI World…