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Investing strategies

  • 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.

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    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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  • Investing for income amidst cuts as Centrica slashes prized dividend

    2019 has been difficult for those who invest for income, with much publicised dividend cuts at Vodafone and Royal Mail. Now Centrica has followed suit, slashing its dividend from 3.6p in 2018 to 1.5p this year.

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    EQi
  • 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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  • How it pays to act early

    The start of a new tax year comes with a shiny new ISA allowance, currently sitting at a generous £20,000. However, while the temptation may be to sit back and relax, secure in the knowledge that you have a year to make the most of it, there are real advantages to getting started early in the tax year.

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  • Seven strategies for the new financial year

    The one key thing you need to know about your ISA is the deadline. If you don’t use your 2019-20 allowance by 5 April, you lose it. You can put up to £20,000 in an ISA in the current tax year. If you can afford to do that every year you can work out how much your tax-free fund will be worth after five or 10 years.

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  • How to build your perfect portfolio

    The one key thing you need to know about your ISA is the deadline. If you don’t use your 2019-20 allowance by 5 April, you lose it.

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  • How to spring clean your portfolio

    Spring has arrived early this year and after the turmoil of late 2018, it makes sense to give your investment portfolio a spring clean. Here are five questions to ask yourself. If you were starting from scratch, would everything in your portfolio be there?

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  • Sometimes, it is what you know: Breaking down investment jargon

    For investors yet to shelter the maximum £20,000 for the current tax year, it’s important to work out the best route to take full advantage of the allowance. And even though ISAs were designed to be straightforward savings vehicles, there’s plenty of jargon to get your head around - even for seasoned investors. Here we explain some important terms that will help you learn more about how to maximise your ISA savings.

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  • Using diversification to defend your investments

    Being a successful investor is dependent on a combination of factors - there’s no single winning formula. Yet experts are unanimous that an essential element of any portfolio is diversification.

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  • Building a Stocks and Shares ISA in times of uncertainty

    Stock markets have started the year on a gloomy note. Worries over the outlook for China, for post-Brexit Britain and for the fortunes of the US economy have seen share prices suffer.

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  • Five places to invest your money

    Cash tucked away in a deposit account will offer very limited interest on your hard-earned savings. To generate a return ahead of rising prices it is worth considering putting your money to work in the financial markets instead.

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  • Trading fast and thinking slow: Thinking outside the herd to give you the edge

    Behavioural economics, behavioural finance and neuro-economics are now familiar terms in the world of finance, but how can you apply these principles to trading? In this series of three posts, behavioural psychologist Paul Davies opens the bonnet on our personal trading engine—our brain—to uncover the secrets of how we act as individuals, how groups trade and how we can implement strategies for better trading.

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  • Lower risk investing

    Investing your money always involves an element of risk but investors have a wide variety of both higher risk and lower risk investments to choose from. At times of economic or market uncertainty ‘defensive’ stocks typically increase in popularity.

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  • What are the best performing funds over five years?

    A performance horizon of five years is generally accepted as a good barometer for a fund’s overall success. A one-year time scale isn’t long enough to judge whether a fund looks like a good long term bet for your money.

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  • The case for investing your cash

    A run of disappointing economic data from the UK is undermining the chances of the Bank of England hiking interest rates in the near feature. This will reinforce the very modest rates currently available from cash deposit accounts and is a clear reason to look again at the merits of instead investing your money in the markets.

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  • Trading fast and thinking slow: Staying humble can give you the edge

    Behavioural economics, behavioural finance and neuro-economics are now familiar terms in the world of finance, but how can you apply these principles to trading? In this series of three posts, behavioural psychologist Paul Davies opens the bonnet on our personal trading engine—our brain—to uncover the secrets of how we act as individuals, how groups trade and how we can implement strategies for better trading.

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  • Trading fast and thinking slow: how knowing your brain can give you the edge

    Behavioural economics, behavioural finance and neuro-economics are now familiar terms in the world of finance, but how can you apply these principles to trading? In this series of three posts, behavioural psychologist Paul Davies opens the bonnet on our personal trading engine—our brain—to uncover the secrets of how we act as individuals, how groups trade and how we can implement strategies for better trading.

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  • 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 for the returns, too.

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  • The importance of investment diversification

    When you’re looking for help with investing for later life, having a diverse portfolio can be a great option for managing risk and benefitting from long-term value. Get yourself on the right path for your investment management journey by providing exposure to a diverse range of asset classes in one go.

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  • Investment ideas to get the most out of your ISA

    In a lot of ways, setting up an ISA is the easy part. Once you’ve selected the right account for you, you can fund it with a lump sum if you have one at your disposal, or drip-feed cash into it on a monthly basis.

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  • How to invest for income using an ISA

    For many people, the ability to achieve a regular income from investments is important. This may be particularly relevant for people who are retired and no longer have a monthly pay packet to rely on and are looking to achieve financial freedom, while other people require their investment to pay out regularly to cover a regular commitment such as school or university fees.

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  • Investment Trusts vs. Mutual Funds

    While most funds on the market are what are known as open-end funds, or mutual funds, there is another option that has become exceptionally popular in recent years. Investment trusts have traditionally been less popular than mutual funds, but this is changing. Recent figures from the Association of Investment Companies (AIC) show that investments in these trusts reached record levels in the last twelve months.

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  • Why diversification is an investor's best friend

    At its most basic, having a diversified portfolio is simply the investment version of the phrase ‘don’t put all of your eggs in one basket’. But true diversification is more than just buying shares in lots of different companies. A properly diversified portfolio usually includes different types of assets, as well as investments in different types of businesses from different areas of the globe.

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  • What are different types of ETF

    Exchange traded funds (ETFs) are a specific type of fund that, as their name indicates, can be traded like individual shares on a stock exchange such as the London Stock Exchange (LSE).

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  • Letting Income Funds do all the work

    If you are new to investing or not yet confident in picking your own investments, then the idea of investing in a fund probably seems a step too far. When in fact, one of the easiest and quickest ways to start investing and generate a regular income is to invest in an income paying fund.

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  • How to be a successful DIY investor

    Becoming a DIY investor means making your investment decisions without having to pay for financial advice. This might seem a daunting prospect, but this article will help you by equipping you with the basics of portfolio construction, management and strategy.

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  • Shares with high dividends. Good or bad sign?

    When it comes to dividends, understanding the difference between dividend yield and dividend growth can be a key factor when deciding what companies to invest in. Dividend yield is calculated by dividing the annual dividend paid per individual share by the current share price

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  • Active vs. Passive Funds

    What is the difference? Both active and passive funds allow you to buy a basket of different investments in one single purchase. However, they do have one important difference. An active fund employs a fund manager to invest in stocks that might outperform the stock market as a whole. In contrast, a passive fund simply attempts to replicate the performance of an index, for example the FTSE 100, rather than outperform it. Passive funds are often known as ‘tracker funds’ because their aim is to

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  • Five ways to diversify your portfolio using ETFs

    With so many exchange trade funds (ETFs) to choose from, sometimes it helps to have the choices narrowed down. In our latest guide investment experts, BlackRock, suggest five ways you can use ETFs to gain access to multiple companies, across multiple countries and regions and across multiple asset classes to help diversify your investments and spread your risk.

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  • What is a passive Mutual Fund?

    Keep more of your return with trackers. In the last two decades it has become possible for the likes of you or I to gain exposure to the markets without facing the hefty charges involved in buying actively managed funds.

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  • What is the true value of gold?

    Gold, which has limited industrial applications, tends to be in demand during periods of economic or geopolitical strife when inflation threatens paper currencies or there are significant falls in bond and equity markets.

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