Many Britons are daunted by the world of investing, but new City rules mean certain banks and financial institutions can offer free extra help with investments and pensions. Last month marked the launch of “targeted support”, a new regulated service that permits companies to suggest investments and pension products to customers that might provide a better return. The service aims to bridge a gap between general guidance and information and financial advisers who charge a fee. Companies – a list likely to include banks, building societies and investment platforms – have to be authorised in advance by the Financial Conduct Authority (FCA). Most advice is expected to be free with commission payments banned. If, say, you have a largish sum – perhaps several thousand pounds – sitting in a high street bank savings account, you may see a message pop up suggesting that you consider investing some or all of this money, with a link you can click on.…