Funds & Investment

China Investments – a guide for the small investor

When the rest of the world was going into recession, China was growing at a rate of 10% or so, year on year. Although many small investors are understandably keen to jump on the bandwagon, there is concern about the transparency of the Chinese system or are aware that there are some quite draconian restrictions on foreign ownership of China investments. So is there a way of investing in China without getting burned? More >

Stakeholder pensions

Introduced by the British Government in 2001, stakeholder pensions are a type of employee pension scheme that offers generous tax breaks and flexible terms. However, they are not without their drawbacks, particularly when compared to final salary pension schemes. In this article, we take a close look at stakeholder pensions, in order to help you decide whether or not they are the best option for you. More >

Tapping into the potential of emerging markets

There are good historical reasons why emerging markets will make an investor rich. However it’s not always clear how to get into these markets. There are many ways open to the small investor who looks hard enough. Here, we show you how to tap into the investment potential in emerging markets. More >

An overview of Venture capital funds

Venture capital funds pool the money of multiple investors to provide high risk funding for new enterprises, as with high risk comes the possibility of large rewards – in a short space of time. Here, we show you how to make money from these high-risk investments. More >

The basics of with-profits funds

With profits funds offer investment through insurance companies, and have existed as a form of investment for private individuals for some time. However, With-profits funds do not always perform as predicted… More >

Unit trusts: The basics

Unit trusts present a way to invest in the stock market with the help of professionals, and spread the risk of investment through the diversity possible from pooling together the funds of many individual investors. In this article, we explain the basics of unit trusts, and give you some tips for investing in them. More >

Tracker funds: The basics

Tracker funds offer a low cost, low risk way to look for gradual growth through investment in the stock market. But just what do Tracker funds track, and how? Read on for the basics of Tracker funds. More >

The State Pension

The state pension in the UK doesn’t give you much to live on, and it looks likely that things will only get worse in the years to come. While it is always a good idea to make financial provisions for your future in terms of private pensions or investments, it is still worth making sure that you are eligible for a state pension, as it could prove an invaluable income stream. In this article, we take a look at some of the issues around state pensions, and give you some invaluable advice about state pensions. More >

Structured products

In recent years, structured products, such as absolute return funds and capital guaranteed funds, have become increasingly popular. This is because the recent volatility in the financial markets has led many investors looking for less risky ways to invest their money. Structured products range from the very simple to the devilishly complex, and do not provide the flexibility offered by certain other types of investment. In this article, we give you a potted history of structured products, and take a look at the advantages and disadvantages of investing in them. More >

Stocks and shares ISA

A stocks and shares ISA is a tax-free wrapper that can be applied to a whole range of investments. You can invest up to £10,200 per financial year in a stocks and shares ISA, and reap the full financial benefit of your investments without having to pay capital gains tax on your earnings. In this article, we explain stocks and shares ISAs in detail, and give you a few ideas as to how to make the best of this invaluable tax break. More >

Real Estate Investment Trusts

REITs (Real Estate Investment Trusts) are an increasingly popular type of stock that allows investors to make money from the property market without having to purchase any properties themselves. They can provide strong dividends, and relatively stable growth over long periods, but their inherent complexity means that you have to be extra careful when you are investing in this type of stock. Here, we discuss some of the ins and outs of real estate investment trusts, in order to help you decide whether they would make a good addition to your portfolio. More >

An introduction to OEIC (Open-Ended Investment Companies)

OEIC (Open-Ended Investment Companies) offer a flexible way for individuals to spread the risk of investment in the stock market through access to large, pooled and diversified investment portfolios run by professional fund managers. More >

An introduction to Managed funds

Managed funds offer a way to invest in complex financial instruments, without the Wall Street experience and the PhD. But just what are these funds, and how are they managed? The basics of managed funds are explained here. More >

A brief guide to Investment Trusts

Quintessentially British, Investment Trusts allow small investors to pool together, giving access to big league spending power and the possibility of risk reduction through diversification of investment. Here we look at the basics of Investment Trusts. More >

Investment clubs

Whether you are an experienced investor or a stock market novice, forming an investment club can be a great way to earn money from the stock market, and have some fun into the bargain. Greater economies of scale and the spreading of risk ensure that investment clubs make sense from a financial standpoint, but they can also be a great way to make friends and learn about investing. Here, we show you what you have to do to set up an investment club, and explain some of the benefits in detail. More >

How to get into the market for India Investments

Although India shows great potential it also has constantly disappointed investors. There are potentially rich pickings in India, but an investor has to pick carefully. This article will show you how. More >

How to make US Investments

US investments are part of the most developed investment market in the world. In general, US investments thrive on an open and welcoming environment for foreign investment with a transparent legal system, and English spoken. In this article, we show you how to profit from investing in the USA. More >

An outline of Hedge Funds

Blamed by some exacerbating the global financial crisis, hedge funds can seem like a shadowy and semi-legal form of investment that is hard to fathom. Actually, in many ways hedge funds are just mutual societies for the super rich. Here, we discuss the basics of these investments, in order to help you better understand the confusing world of hedge funds. More >

Fund supermarkets

Fund supermarkets are a type of brokerage service for funds, similar in many ways to price comparison websites for other financial products. They contain a range of features that can make it a lot easier to keep tabs on your investments, and their bargaining power means that they are able to negotiate cheaper deals on behalf of their clients. In this article, we explain exactly how fund supermarkets work, and show you what to look out for when choosing a fund supermarket. More >

What are Ethical funds?

Ethical funds offer a way to invest money without profiting from socially and environmentally irresponsible companies. But just how are the investments in Ethical funds selected? More >

ETF (Exchange traded funds)

Combining the simplicity and speed of exchange of stock market investment with the benefits of diversification that come with mutual funds, an ETF (Exchange traded fund) is an increasingly popular way to invest in the money markets with relatively low risk. More >

Capital guaranteed Investments

If you are looking for a risk-free way to invest in the stock market, you may be tempted by the capital guaranteed investments offered by some banks, which offer a guarantee that you will receive your initial stake back, plus a guaranteed maximum return. However, capital guaranteed investments are not always as safe as they are purported to be, and have a number of notable drawbacks when compared to other types of investment. Here, we take a close look at so-called capital guaranteed investments, and weigh up the advantages and disadvantages of this type of fund. More >

How to invest in Africa

Investing in Africa has great potential, and great danger. There are ways to make investments in Africa, but it should be done carefully. The article discusses some of the many routes into the continent.

Africa investments are often seen as having unbelievable potential. Figures back this up. Outside India and rural China there is no greater amount of very poor people, and as economic history has shown us the times of fastest economic growth are when the majority of the population goes from being extremely poor to moderately poor. This is one part of the case for investments in Africa. More >

Absolute return funds

The recent volatility in the stock market has caused many investors to look towards investments which produce more predictable returns. Absolute return funds are a type of fund that uses a number of different financial tools in an attempt to provide more stable returns. However, the downside to this complexity is that they require a lot of management, which can eat into your profits. Here, we take a look at the pros and cons of absolute return funds, in order to help you decide whether they are the right investment vehicle for you. More >