SEB Investment Management, AMF, Mercer, Redington, Robeco, XPS Pensions Group, Morningstar, Universal-Investment, Morgan Stanley. : Many people start their new year with diets, exercise, or perhaps a dose of self-help. Bookshops are well stocked with guides to better working, living, thinking, sleeping and even breathing. No wonder the discussion of trade is in such a tangle. The terminology around the subject is almost designed to cause confusion.