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Articles

  • Week in Review: FTSE 100 races higher on coronavirus vaccine hopes

    03 July 2020 - The FTSE 100 raced higher on Thursday (2 July) following reports of a potential new vaccine for the coronavirus.

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  • Week in Review: FTSE 100 rebounds as investors shrug off fears of second Coronavirus wave in US

    26 June 2020 - The FTSE 100 recovered from early lows on Thursday (25 June) as investors seemed to shrug off a sharp increase in Coronavirus infections in the US.

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  • Week in Review: FTSE 100 finishes lower despite BoE’s stimulus efforts

    19 June 2020 - The FTSE 100 ended Thursday (18 June) down despite fresh stimulus from the Bank of England, which increased its bond-buying programme by £100 billion.

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  • Funds: the basics

    Funds, traditionally referred to as mutual funds, are collective investments that pool investors’ money to buy and sell shares or other assets in a range of companies to maximise profits and reduce risks.

  • How to select a fund

    Selecting a fund or funds can seem overwhelming from the thousands to choose from, so here are some pointers to bear in mind.

  • Growth, income or preservation - what's your goal

    Investment can sometimes seem like a dauntingly complex arena to navigate but there are plenty of ways to cut through the mystique and explain the jargon.

  • What is ESG and why does it matter to my investments?

    ESG is an increasingly popular investment approach that takes into account Environmental, Social and Governance factors - not just financial factors - when assessing whether to buy shares in a company.

  • What you need to know about impact investing

    Impact investing (so-called because the stocks and funds on offer have a positive impact on society, or the environment, or both) is fast gaining followers, not just for its morally virtuous stance, but also for its returns.

  • Going green

    Making money and protecting the environment are not mutually exclusive. You can actually enjoy excellent returns while helping to safeguard the planet.

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  • How to prepare your portfolio for a recession

    As the coronavirus crisis begins to recede and the country tries to return to some kind of normality, the very likely prospect of a widespread economic recession now looms.

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  • Children of the Revolution: the aftermath of lockdown

    The coronavirus pandemic is far from over, but perhaps we have seen the end of the first act; most of the developed world is in ‘lockdown’ after equity markets saw one of their worst ever quarters.

  • Market circuit breakers: everything you need to know

    As extreme losses take hold, so-called “circuit breakers” are being triggered, particularly in US indices such as the S&P 500. But what are these circuit breakers, and why are they being activated? Stock markets in the USA have circuit breakers to act as a break on ultra-panicky indices. In times such as these they become an increasingly implemented measure to prevent the total collapse of share prices.

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  • Which region of the world should I invest in – Asia, Emerging Markets or Global?

    It’s important to remember that different geographic areas offer different advantages for investors, and indeed have different risks.

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  • Which region of the world should I invest in – UK, USA, Europe?

    When you get started with investing, one of the most important considerations is where in the world you want to invest your money. And while there’s no quick answer, different geographic areas of the world offer different advantages, and indeed have different risks, for investors.

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  • Is it too late to invest in Asia?

    Asia is the one global region set for a massive expansion both in economic and population terms – but have investors missed the boat to benefit from this growth? Despite coronavirus fears, the future still looks bright for investing in Asia.

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  • Underestimating the cost of living in retirement

    A recent survey conducted by Schroders suggests that Brits are failing to make sufficient provision for retirement. There is a mismatch between the income people believe they need in retirement and the actual cost of living, which means those who are not yet retired expect living expenses to take up just 34 per cent of their retirement income, whereas in actuality they account for 49 per cent.

  • The pension pot puzzle - should you consolidate?

    It can be a consolidation conundrum to know when it makes sense to combine different pension pots, and when you are better off keeping separate accounts. The days of a job — and a pension — for life are long gone. People in the UK now have an average of 11 jobs during their working lives, which can mean a similar number of separate company pension plans, alongside any private savings. This might include personal pensions, stakeholder pensions or SIPPs (self-invested personal pensions).

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  • SIPP, ISA or both?

    As a qualified chartered accountant, Leah* is all too aware how tax can eat into the value of people’s savings and investments. When it comes to her own money, she wants to make sure it is invested as tax-efficiently as possible, and this was one of the reasons she opened a SIPP with EQi.

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  • Building a really simple investment portfolio

    For those new to investing, the sheer choice of investment options can be daunting, but it should be possible to construct a simple, well diversified investment portfolio...

  • Funds: the basics

    Funds, traditionally referred to as mutual funds, are collective investments that pool investors’ money to buy and sell shares or other assets in a range of companies to maximise profits and reduce risks.

  • How to construct an equity portfolio

    Portfolio construction gets less attention than picking stocks, but it can have a profound effect on the risk you are exposed to and the returns you achieve

  • Will the Lifetime ISA be a lifesaver?

    Most of us will be aware that first-time buyers are getting older, with the average now 34-years-old, compared to just 26-years in 1997. As well as whopping deposits to save for, the under 40s also need to put money aside for retirement, which means that there is a financial mountain to climb.

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    EQi
  • Lifetime ISA: Fast facts

    What does LISA stand for? The Lifetime ISA – it’s new. What’s the big appeal? The government will add a 25% bonus to what you invest, up to £1,000 a year on your maximum £4,000 investable allowance until you are 50.

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    EQi
  • Pension vs. ISA - How does the tax work?

    If you are planning your own retirement savings on top of any workplace scheme you might have, then trying to choose between the many different options could leave you confused and frazzled.

  • The pension pot puzzle - should you consolidate?

    It can be a consolidation conundrum to know when it makes sense to combine different pension pots, and when you are better off keeping separate accounts. The days of a job — and a pension — for life are long gone.

    Author:
  • SIPP, ISA or both?

    As a qualified chartered accountant, Leah* is all too aware how tax can eat into the value of people’s savings and investments. When it comes to her own money, she wants to make sure it is invested as tax-efficiently as possible, and this was one of the reasons she opened a SIPP with EQi.

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  • Investment and retirement considerations for self employed

    You might enjoy the benefit of being in charge of your own work, but you can end up paying for this freedom in other ways. All companies that employ people now have a responsibility to provide pensions to their employees, but it’s just one of the many things a self-employed person will have to take care of themselves.

  • What to do with your ISA allowance amidst market uncertainty

    Now that we are in the new tax year how should you respond? Is now the time to take advantage of market-sell offs or is it best to hold fire?

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  • Five things you should do before the end of the tax year

    With less than one month to go before the tax year ends on 5 April, there is still time to make the most of your tax allowances before you lose them. Here are five simple tax rules you can take advantage of before 5 April to reduce your tax liability and maximise your savings.

  • Tips from an ISA millionaire

    EQi has more than 50 customers with ISA portfolios that have passed the £1 million mark. Last week, we shared the story of how one EQi customer has built a portfolio worth over £1 million in his Stocks and Shares ISA. Here, Brian* talks us through the high and low points of his time as an investor, plus his tips on how to build a successful portfolio.

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  • Sticking to what you know

    Despite the last two months or so being one of the most tumultuous in history for the stock markets, EQi investors are actually feeling fairly confident.

    Author:
    EQi
  • Change to Lifetime ISA withdrawal charge

    To help those whose finances have been affected by the COVID-19 crisis, the government have temporarily reduced the Lifetime ISA withdrawal penalty charge to 20%, between 6 March 2020 and 5 April 2021.

    Author:
    EQi
  • Investors should keep calm as interest rates are cut

    The Bank of England announced an unexpected interest rate cut of 50 basis points down to 0.25 per cent, driven by the effects of the coronavirus epidemic.

    Author:
    EQi

  • Five key things to consider when investing in funds

    Funds are an excellent starting point for investors as they can remove the need to research dozens of potential investments.

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  • Don’t wait for a stock market crash to plan ahead

    Over the past week increased turbulence on global stock markets has led many market commentators to ruminate on the possibility that the decade plus long bull run will soon come to an end.

    Author:
    EQi
  • What is an OEIC?

    An Open Ended Investment Company (OEIC) is broadly similar to a unit trust in that it is an open ended collective investment that expands and contracts the number of units in circulation. Unlike a unit trust, each OEIC operates as a limited liability company, quoted on the London Stock Exchange and unlike ‘unit holders’ that invest in unit trusts, those invested in OEICs are ‘shareholders’ in that investment company; OEICs are governed by company law rather than trust law.

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  • Building a really simple investment portfolio

    For those new to investing, the sheer choice of investment options can be daunting, but it should be possible to construct a simple, well diversified investment portfolio...

  • Global perspectives: Between a lockdown and a hard place

    We believe there is a growing disconnect between the global rebound in asset prices and the shape of the post-lockdown recovery.

  • Children of the Revolution: the aftermath of lockdown

    The coronavirus pandemic is far from over, but perhaps we have seen the end of the first act; most of the developed world is in ‘lockdown’ after equity markets saw one of their worst ever quarters.