Admittedly, each of the three classes can be broken down into sub-groups, but I promise you, three covers the field. There are those where the capital is static and the income fluctuates; those where income remains the same but the capital fluctuates; and those investments where they can both vary.You can choose between bank and building society deposits, fixed income securities (such as British government securities) and equities and property or any fund investing in either. Currencies, bonds, deposit accounts - all provide options for investment planners And how many are there in total Six, 10, a dozen or more? I consider there are just three. That is equivalent to a gross annual return of 10.1 per cent, or 8.7 per cent net of lower rate tax.Fidelity ISAXpress: www.fidelity.co.ukRobin can be reached at RobinAmlot aol . MOST PEOPLE who presume to advise on investments confine recommendations to equities or equity-based products.

This is, of course, a considerable under-statement of the opportunities available to individual investors. Fidelity will park your money in its high interest Cash Fund, currently yielding 7 per cent gross, until 6 April 1999 when your ISA will be opened and pounds 7,000 will be switched into the ISA funds of your choice.This combination of interest and reduced charges could be worth around pounds 400 to a basic rate taxpayer who invested now and activated their ISA on 6 April 1999. Assuming you are not investing in the CAT-marked funds which do not incur initial charges, this waiver equates to a potential saving of pounds 220 in charges.To take advantage of this offer, Fidelity wants you to invest the full pounds 7,000 maximum allowable in year one in the Maxi ISA. If you apply for an ISA through Fidelity's online ISAXpress before 31 December 1998, the company will waive the 3.25 per cent initial charge when your money is invested in your chosen ISA funds on 6 April 1999. Fidelity will be offering two stocks and shares CAT-marked funds, its corporate bond fund, MoneyBuilder Income Fund, and its FTSE-100 index fund, MoneyBuilder Index Fund. Both funds have no initial charge, no withdrawal charges and a 0.7 per cent and 0.5 per cent annual charge respectively.But why worry about all this prior to next April? The answer is that Fidelity is taking advance bookings.

Fidelity says its ISA charges will be maintained at the PEP level of 3.25 per cent except for the MoneyBuilder Range. You may, subject to eligibility and allowances, still take out a PEP until the end of the current tax year. All PEPs held at 5 April 1999 may continue to be held as PEPs outside the ISA, with equivalent tax advantages to an ISA and the value of any PEP investments you have will not affect the amount that you can put into an ISA. As from 6 April 1999, when ISAs formally come into being, Fidelity will be offering both a maxi and a mini-ISA, including a range of its Open Ended Investment Companies (OEICs), unit trusts and investment trusts covering all the world's main markets. Fidelity is one of the first companies to receive ISA Account Manager status from the Inland Revenue. Following this recognition, ISAXpress is now available, taking advantage of new Inland Revenue regulations allowing ISA savers to invest online without the need for a written signature. Fidelity Investments is the UK part of the world's largest fund management group.

In total, Fidelity has funds under management worth more than pounds 400bn From next April, PEPs will be replaced by ISAs. The house, estimated pounds 4,000-pounds 6,000, was owned by the Oxford historian A J P Taylor. During the war, he used to accompany Mrs Greene to auctions to replace the furniture she had lost in the bombing - it was at a wartime auction that she bought her first dolls' house. She was offered them then at pounds 10-pounds 12 each.The Vivien Greene Dolls' House Collection, Part I, Bonhams, Montpelier Street, London SW7, Wednesday, 9 December, 2pm (0171-393 3900). THIS WEEK, Fidelity Investments opened its online Individual Savings Account (ISA) for business. It has six rooms framed by a proscenium arch and a finely modelled staircase: estimate pounds 10,000-pounds 15,000.Quantock Oak is a miniature stately home in Palladian style, dating to 1730-40, designed from architectural manuals of the period: pounds 12,000-pounds 16,000.Marble Hall, about 1800, is being sold with its original contents, including a fine brass fender and cast-iron chimneypiece, a mahogany cupboard with mirrored door, and a four-poster bed with chintz hangings: pounds 8,000-pounds 12,000.In Shell Villa, a guest house of about 1870 advertising "refined board residence", a family of cats resides - Tabitha, Selina and Branwell Twitchett.