Munks looks to the future to meet your aspirations.

That's why we take time to consider those key themes that we believe will provide opportunities for the years ahead.

Looking forward in this way, rather than backwards, helps our search for those companies that will shape the future.

We think it's a better way to deliver returns you can look forward to.

Munks is managed by Bayley Gifford. A key information document is available by visiting BayleyGifford.com.

As with any investment, capital is at risk.

Lucy came about really because we wanted from the very beginning to sound like the anti-bank.

We also felt that we wanted it very much to be a personal thing,

recognising that particularly now with a lot of mobile delivery has kind of removed that personal touch.

And so we wanted Lucy to feel very personal and we felt the best way was to give it a name,

a persona in product development speak,

and Lucy are actually in different languages means light.

And so we wanted something simple, unpretentious, easy to remember, and that had a personality.

I know this is a business podcast, but I've had a look at the data and it turns out that paranormal stories bring in far greater audiences.

So here's a little mystery for you all.

Ankle What in Cambodia is about 500 miles south of Luan Prabang,

and the flight between the two should take one hour 44 minutes.

So then why did my wife and I and only my wife and I on our flight take 25 hours and 44 minutes to complete that connection?

Did we go missing in time? Were we abducted by aliens?

Well, no, as it turned out, we'd arrived so early at the airport that the desk agent hadn't had his first coffee yet and had forgotten to roll over the date stamp.

Meaning it just looked like we'd left Lau a day before our compatriots.

I used to think that was a memorable trip to Cambodia.

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