Investing

Updated: 11:41 EST

THE INVESTING SHOW: IDEAS TO MAKE MORE OF YOUR MONEY

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FCA says four City firms ‘may have broken competition law’

City watchdog the Financial Conduct Authority has said investment firms Artemis Investment Managament, Hargreave Hale, Newton Investment Management and River & Mercantile Asset Management ‘may have broken competition law.’

The firm has now provided some of the headline figures involved, which provides some much needed insight into what it will really mean for your money if you invest with the firm.

Bitcoin’s price is poised to smash the $10,000 barrier – sparking fears of a dangerous bubble which could end in huge losses. The online currency is valued at $9,700 per unit.

Lars Kroijer: Profit from being a passive investor

Lars Kroijer has become a leading proponent of passive investing - and as a hedge fund manager is a man you might consider to know what he is talking about. We ask Lars to explain his thinking and how investors can build a simple passive investing portfolio that lets them sleep at night.

MIDAS SHARE TIPS: Fish for a profit with Angling Direct

There are 900,000 licensed anglers in the UK, while many more unofficial dabblers also enjoy the odd day on the water. All told, angling is a top five pastime in Britain and Angling Direct is ideally placed to benefit. The largest specialist fishing tackle retailer in the UK, Angling floated in the summer at 64p. The shares are 78p today and are likely to increase as the company expands. Angling's founders, Martyn Page and William Hill, started out in 1986, acquiring fishing tackle shops in Norfolk. Keen anglers both, they expanded over the years and in May 2000 launched the website Angling Direct.

Boss Richard Harpin is nothing if not enthusiastic. Having founded the business 24 years ago, he is still firing on all cylinders, with bold new plans to turn Homeserve into a global powerhouse.

Growth in the lifetime mortgage market has boosted retirement services company Just Group. But investors in food retailers have become 'overwhelmingly bearish'.

A new investment involves backing a small portfolio of companies - no more than 30 - that the manager Andrew Graham, his team and outside 'forensic' accountants think will come up trumps.

Personal Assets Trust invests in shares from firms all over the world, as well as government bonds, cash, gold and other precious metals. Currently 43 per cent of the fund is in shares.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

Rightly or wrongly, some people simply want a quick, straightforward route map to investing in an Isa. To that end, this is our distilled guide to getting started.

FTSE long term.jpg

Popular share buying is set for a comeback. But for newcomers, buying and selling may seem daunting. So here is our guide to getting started in the market

Tracking: Following an index is cheaper than an active fund and often more successful

Tracker funds are ideal for those who want to invest but don't want the hassle of picking shares or cost of a fund manager, who is unlikely to outperform the market.

We asked trusted experts to recommend the best funds that cover different investment sectors - and included This is Money's selection of active and passive options too.

The tortoise and the hare: Passive investors believe that slow and steady wins the race, while active investors chase market-beating returns.

Fund investing helps many small investors strike it rich. Find out what funds and investment trusts are, how to invest - and save money with a DIY investing platform.

Despite the better long-term returns, many with plenty of rainy-day savings in cash are reluctant to invest any extra money they save. Here's why they should bother.

Hammond tightens VCT and EIS investment tax break loophole

Wealthy people can get substantial tax relief for backing young and adventurous businesses, but the Chancellor wants to stop them milking the system using investments that aren't all that risky. In today's Budget, Hammond said he would double investment limits to an annual £2million for those putting money in 'knowledge intensive' companies, while ensuring schemes are 'not used as a shelter for low-risk capital preservation schemes'.

NatWest has launched a fully regulated robo-advice proposition charging £10 for customers seeking to invest sums as low as £500.

The worry for tech investors is how to pick the genuinely game-changing companies from the hyped-up wonders - and deal with sky-high valuations. We take a look and pick four top funds.

Its bosses were jailed, but the firm which introduced me to the fraud was never investigated. It was Sol Emissions Limited which told me it charged 5 per cent commission, but took up to 60 per cent.

Britain is on the cusp of a driverless car revolution, if the Government is to be believed. Within just a few years, cars that can drive themselves will be on our roads.

I want to put my pension in cash because a crash is coming

I am almost 55 and have a pension pot totalling £70k over four policies. I wish to remove the risk and have them put into cash for now, as I believe there is going to be a crash. Is there any risk to me doing this, such as some hidden fee or it not really going into cash but some other vehicle which is worse than what I had?

Last year, 32 per cent of international real estate investors said they were seeking to buy up commercial property in the UK. Now just 27 per cent are pursuing new projects.

The digital currency has attracted serious attention in recent months as its value has soared - with many investors hoping it can make them a lot of money.

It has been a bumper year for investment returns with established stock markets trading at record highs or thereabout. But where exactly did investors find their greatest successes over the past 12 months?

Old Mutual has said it is targeting a spin-off and stock market float of its wealth and investments business for 'early 2018' under new brand 'Quilter'.

Record fund sales as investors shun UK shares

Net retail sales of funds were £5.6 billion in September, the largest amount ever recorded by the trade body. That brought the quarterly total to of £14 billion, which was also a record. Not all asset classes fared well though, with significant variation in total sales.

So can you profit from the cashless spending revolution? Many firms are racing to develop technologies to make it easier to pay by card or by phone. We reveal the funds that invest.

I want to invest in a global ETF or tracker fund but I don't want to have more than half of my money in the US - as most global ETFs seem to. Is this possible?

How should I invest my £50k inheritance?

I have inherited £50,000 and plan to spend a bit and then invest the rest, how do I do that? Ana Cuddeford, investment specialist covering M&G’s multi-asset fund range, outlines her recommendations for how to think about investing a big lump sum windfall.

UK investors are being unrealistic about their expected gains, which average 8.7 per cent each year over the next five years, according to new research.

As the veterans of emerging market investing retire, who are the fund managers you can rely on? We look at the new rising stars.

Kevin, 36, wants to invest rental income and money from his business in a growth portfolio, with the goal of having enough money to retire when he is aged between 45 and 50.

Data shows that money invested between November and April often performs far better than investments made between May and October.

What does a rate hike mean for investing in bonds?

Super-low interest rates and quantitative easing sent bond prices soaring after the financial crisis - and led to countless warnings that they are no longer such as safe investment.With interest rates heading up,?the environment has got a whole lot tougher for both government and corporate bonds. We pick five of the best bond funds for rising rates.

The Fundsmith Sustainability Fund is based on a portfolio that Smith initially put together to raise money for 'Comic Relief'.

The latest deterioration in investor sentiment takes the average FTSE 350 shorting activity to the highest level in more than two years.

I have taken early retirement and received a lump sum of £60,000, which I want to invest for an income to supplement my pension. I haven't invested before and I don't want to take much risk.

Initial coin offerings have been described as 'the biggest scam ever' by former penny-stock broker turned author Jordan Belfort, who wrote 'The Wolf of Wall Street' - later turned into a hit film.

Moneyfarm has rehashed its admin fee structure - introducing a 0.7 per cent charge for modest investors with less than £10,000 and ramping up costs for those with larger sums.

The growing trend towards e-commerce has created intense demand for huge warehouses from which retailers can ship their goods.

DIY investing platform Interactive Investor has lifted its account charge by £10 a year and will move customers of recently-acquired TD Direct Investing to the same flat-fee model.

Despite potentially tasty returns, the whisky market is not regulated by the Financial Conduct Authority. So you need to tread carefully - scams are a regular feature of the whisky market.

We explain what it is, what FTSE stands for, what the FTSE 100 number means and what it's got to do with the state of our economy.

It might be about finding out-of-favour investments, but value investing itself is back in fashion. We take a look at what this means and where value investors see opportunities.

Six steps to stop the inflation monster eating your money

The highest inflation rate for more than five years – at 3 per cent – is turning another screw on already squeezed family budgets. But from getting a better savings deal, to investing to generate income and potentially saving thousands on your mortgage, here's how you can fight back.

Britain's small army of income investors are on track to receive a bumper payout this year after dividends reached a record £28.5billion over the summer. We look at why and some top funds.

A huge disparity in the costs of buying and managing investment trusts across 26 different platforms has been revealed. So it most certainly pays to shop around.

Anyone investing in a new venture capital trust – or a new share issue by an existing trust – gets a big incentive of 30 per cent tax relief . But you should never invest for tax breaks alone.

There is a plethora of bizarre and down-right outrageous ETFs sprouting from across the Atlantic that UK investors can pile into but can more than DOUBLE your tax bill on returns .

Has the Japanese stock market turned a corner?

As has been extensively documented, Japan's economy has been stuck in the slow lane for well over 20 years with very limited or even non-existent growth. There are some signs though that it has picked up pace this year and is worth a fresh look for investors.The latest of which came this week as upbeat sentiment sent Japan's best known stock index the Nikkei 225 up to a 21 year peak of 20,881 on Wednesday, a gain of 57 points or almost 0.3 per cent.

As part of Good Money week, we take a look at the some of the 'ethical' financial products that promise to pay a decent return.

Thirty years on from the biggest one-day stock market crash ever, experts are worried history is about to repeat itself.Black Monday in October 1987 saw the worst fall in 30yrs.

Money Pit Stop: I want to invest in green technologies

Andrew, 45, is a web developer who has no investments outside of an endowment mortgage at present. He wants to start putting aside £5,000 a year out of his income into an ethical fund portfolio. Andrew is particularly interested in investing in green technologies. His time horizon is at least 10 years, probably longer. In the latest in our series Money Pit Stop, we asked an investing expert to give him a free portfolio makeover.

Our ageing population is creating new opportunities for investors, as more older people create greater demand for healthcare innovations.

A firm called Basset & Gold are advertising a product saying 'Pensioner Bonds Are Back'. However, capital is at risk and many may believe there is a link to the NS&I product.

Savers who withdraw regular chunks of cash from their pensions risk £13,500 being gobbled up by expensive funds over their retirement, as they are tempted by firms' easy options.

A friend recently told me that I could still be paying money on my investments to a financial adviser I haven't seen in years. Is this true?

I have £130k to invest for income - where do I start?

I am a 72-year-old retired builder. I have just sold a property and will have approximately £130,000 to invest, preferably for income. I have a medium appetite for risk. Patrick Connolly, certified financial planner at Chase de Vere (pictured), replies.

Nearly three-quarters of people surveyed by Triodos Bank believe businesses have the power to create positive social and environmental change.

Rebecca O'Connor, the co-founder Of Good With Money, said the penny dropped when she saw her pension fund was invested in BP, Shell and British American Tobacco.

Is it time to buy into unloved UK shares? Minor Investor

When investing it often pays to do the opposite of what others are doing. So what should we make of the seemingly contrarian investing opportunity staring us in the face - UK shares? Britain's investors have made it abundantly clear that their home market is not for them but that could mean that looking for unloved companies in our unloved country could pay off.

Vanguard is piling on the pressure to cut fund fees with the launch of its low-cost first actively managed bond fund for UK investors. But is the pricing just a gimmick?

A typical active equities fund charges in the region of 0.7 per cent of the invested sum and often higher, while standard index trackers can charge as little as 0.07 per cent - a tenth of the cost.

13 highest yielding investment trusts invested in shares

Good sources of income are hard to come by and analysts at Stifel have compiled a list of 13 investment trusts that invest in shares with a yield of at least 4 per cent. The names on it range from dividend hero City of London, with 50 years of rising payouts under its belt, to Aberdeen Asian Income and European Assets Trust, which yields 6.7 per cent.

How old you are determines how long you have to invest, and that can help decide how much investment risk you should take.

Investors who put £5,000 a year into a fund that mirrored the performance of the FTSE All Share over the past decade would have seen their fund grow to £81,561.

Manchester City, Liverpool, Arsenal, West Ham, Southampton and Watford have signed big-money deals to advertise so-called CFD deals.

Often touted as a bellwether for the UK economy, the index is comprised of medium-sized businesses which tend to be more domestically focused than the giants of the FTSE 100

Fidelity to charge variable fund fees based on performance

Investing giant Fidelity International is tearing up its existing rule book on active fund fees to replace them with a new performance-linked charge. The new 'fulcrum' structure reduces the flat management fee, which investors are charged regardless of performance, in favour of bringing in a variable one which will be lower if a fund fails to perform but higher if it does well.

New political ETF invests in Republican Party backers

After riding on a tax-cutting ticket in the US election almost a year ago, President Donald Trump has finally outlined plans for the biggest overhaul of America's tax system since Ronald Reagan's times. That announcement has proved timely for a new ETF launched to?give investors easy exposure to some of Trump's biggest corporate backers. The Point Bridge GOP Stock Tracker ETF invests in companies that have given more than $25,000 (£18,500) to a Republican candidate in any of the past two election cycles.

Would you trust a robot with your pension?

Robo advisers are low-cost investing websites that help you pick the right investments for your money. But are these a good way to invest your pension? Here, we run the rule over robo-advice tools - and explain why you might decide that an expert with a pulse might not be such a bad move after all.

Investors who put £5,000 a year into a fund that mirrored the performance of the FTSE All Share over the past decade would have seen their fund grow to £81,561.

Keeping your cash invested through retirement means you can take an income while your money continues to grow. But how do you pick the right investments? We get some top tips.

Featured in this installment of Money Pit Stop is John Miles, an 89-year-old retired driving instructor who wants to know how best to invest £130k at low risk for income for his children.

'Generating an income in retirement has never been harder, but that doesn't mean you should just give up', says Tom Becket, chief investment officer at Psigma Investment Management.

How to invest in retirement and make more of your pension

Retiring today brings much more freedom in terms of what you do with your pension pot. But with that choice comes a tricky task: investing in retirement and making sure your pension doesn't run out. We have written a series of articles that aim to help you navigate your way through the maze. Read them here.

There are plenty of ideas and guidance provided for novice investors which typically revolve around standard rules, all of which are reasonable tips and not just for when you're starting out

Shorting has traditionally been for only professional investors but those with more modest sums can access this type of trading through low-cost exchange-traded funds called inverse ETFs.

Helena Morrissey makes plea to encourage female investors

Helena Morrissey is on a mission to persuade more women to invest in the stock market. They are at least as good at picking shares as men, she says, but far less likely to try their hand. 'Only around half as many women as men invest in shares through an Isa. Roughly about 17 to 18 per cent of men have a stocks and shares Isa but only about 9 per cent of women,' she says.

Could the stonking fees paid for stars such as Manchester United's new £75 million striker Romelu Lukaku be a sign that there's money to be made for investors?

After letting UK interest rates languish at record lows for the best part of a decade, the Bank of England is now expected to increase them twice in the next year.

How much money do I need before I start investing?

Would you lose sleep over the amount you plan to invest if it got wiped out in a market crash? If your answer's 'yes, it would cripple me emotionally and financially', think again about whether you're ready to invest. So, what amount of seed money is ideal, how long should you be prepared to lock it away, and what should the general state of your finances be before you enter the world of investing.

The Foresight Group has launched a bond offering a trio of fixed-term deals paying up to 4.83 per cent interest to bankroll the so called 'smart meter revolution'.

These tools come in the form of tax-friendly wrappers that reward long-term investing. If you adhere to our four-point plan, you will not go far wrong.

Emerging market investment trusts are a bargain buy

Are emerging market investment trusts the last decent cheap investing opportunity? Top performing trusts have share prices that trade at double-digit discounts. We look at the trusts up 70% or more in two years that can be bought for less than the sum of their parts.

Head of equity strategy at online investing platform Interactive Investor, Lee Wild, on generous dividends that are also affordable and sustainable, and covered by profits.

The Fidelity China Special Situations Trust, has generated 123 per cent return since Dale Nicholls succeeded fund manager Anthony Bolton as fund manager. We ask him how.

What is the best way to spend money at retirement?

A huge part of having money is spending it on things that bring a smile to your face, but how exactly should you spend your nest egg? We take a look at where to get help planning your income in retirement and what the usual options are.

How investors can learn from Black Monday and crashes

Does the financial world of 1987, a time before the internet, have anything to teach us today - and what can we also learn from the dot com bust and the financial crisis crash? On this episode of the Investing Show, Simon Lambert, of This is Money, Ben Kumar of 7IM, Richard Hunter, of Wilson King, discuss how investors can learn from the past for the next time a crash arrives.

Gervais Williams has carved out a reputation as one of the UK's best smaller company stock pickers. He gives us his tips and explains why private investors can have an advantage.

India is an exciting investment opportunity in one of the emerging markets' strongest economies, so why do more UK investors not buy in?

The FTSE 100 has surged to fresh record highs in 2017, but can that run continue through the rest of the year?

While emerging markets may be seen as risky, they are cheap and have great prospects, argues Carlos Hardenberg of Templeton Emerging Markets Trust.

James Codling, of Venture Founders, joins the Investing Show to look at why investors need to apply discipline and diversify, as some investments will go bust.

What does asset allocation mean, how do you do it and how do you then also profit from opportunities of the moment? Fidelity International's Bill McQuaker explains.

Stock markets have confounded forecasts and risen on Donald Trump's election to US President, but will the Trumpflation trade run out of steam? The Investing Show takes a look.

It's been a year of political upheaval and for investors that has meant plenty to think about - but how worried should they be? We take a look on the latest Investing Show.

Should you open a Lifetime Isa? What's on offer to savers

New Lifetime Isas allow under-40s to save for a home and retirement at once, and the Government is offering free top-ups worth up to £32,000 if you max out your fund. For those weighing up whether to open one, we look at the benefits and pitfalls of the new products, and what's available from providers.

To help investors separate the income fund wheat from the chaff, investment firm Sanlam has picked its top 14 investments, along with those to be avoided.

Coming into money is not something that happens often, but when it does, it makes sense to take some time to consider your financial situation and your options.

How do your bank's investing and advice services stack up?

Britain's biggest banks axed or scaled back investment services following a clean-up of the financial industry that banned cosy backdoor commission deals four years ago. But now most banks are bringing back investment options for customers under the new regime. We round up what the top players are offering and what it costs.

You might invest, but do you have a a clearly defined plan of what you are investing for and how you plan to do it. If you're anything like me the answer is 'no'. So here's how to get one.

At a time when we are living longer and need to finance our own later life, the industry needs to be encouraging people to invest, not putting barriers in their way.

How to invest your pension in drawdown

While many people dislike the idea of an annuity, the alternative means keeping your pension invested in retirement and managing it yourself - a process that can be confusing and full of pitfalls. So here's a checklist, from investing, to income, taxes, the state pension, inheritance, illness, financial advice and much else.

My son has just turned one and my husband and I would like to use his birthday money to open an investment account for him. So who should we invest with? And what should we invest in?

While every saver is different, there are a few golden rules that everyone should stick to when it comes to investing for retirement. Here we run through some of the prime principles...

What do cryptic investment fund names mean?

Investment fund names are often a baffling mixture of impressive but vague words, which mean little to people who aren't already clued up on financial jargon. People hoping to boost their savings by buying a fund or trust face a steep learning curve, unless they're lucky enough to have a friend in the know or are willing to fork out fees to a financial adviser. We offer a short cut, and explain what all the fancy terms really mean.

Global government bond markets are vast and affect everyone who pays tax, saves or invests. We unscramble the jargon used by industry insiders to help everyone else fathom what's going on.

Fund and trust ideas for first time and cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

By Jupiter! Which planet do the crooks think we live on?

I have just had a call out of the blue from someone claiming to represent an escrow firm. I was told my dealings with brokers Square Mile Securities ten years ago entitle me to £9,442 compensation. I was also informed I will receive paperwork in the next few days and once I have paid fees of £1,416 the money will be released. This looks like a scam you wrote about some months ago. Is there anything I can do to help bring these blaggards to justice?

   

Investing: don't miss

Poll

Which shares will deliver the best return for investors over the next five years?

Which shares will deliver the best return for investors over the next five years?

  • US 917 votes
  • UK 2567 votes
  • Europe 397 votes
  • Emerging markets 850 votes
  • Japan 334 votes
  • China 288 votes
  • India 659 votes
  • Smaller companies 518 votes

Now share your opinion

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The investment industry's world of abbreviations...
Acc: Accumulation - any income generated by the fund like dividends or interest is automatically reinvested.
Inc: Income - any income generated is distributed by the fund instead of being reinvested.
Dis: Distribution - any income generated is distributed by the fund instead of being reinvested.
R: Retail - the fund is aimed at ordinary investors.
I/Inst: Institutional - the fund is aimed at corporate investors like pension funds.
A, B, M, X etc: Different fund houses use letters for different things. Check with them what they stand for.
NT/No trail: Some fund houses use this name on clean funds which carry no commissions for financial advisers, supermarkets or brokers, just the fee levied by the fund manager. But other fund houses use different letters - I, D or Y, for example - so you need to find out for yourself which are clean funds.
Gr: Stands for gross.
GBP/£: Fund denominated in pounds.
EUR: Fund denominated in euros.
USD/$: Fund denominated in US dollars.
Compiled with online stockbroker The Share Centre

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