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Why the scorned with-profits fund is back in many savers' good books

Duncan and Kelly Ellis, with baby Harriet

Hundreds of thousands of savers have been disappointed by the returns in recent years on maturing with-profits endowments, bonds and pensions. But Duncan Ellis is among a growing number who think that with-profits funds, which aim to smooth out the worst of stock market volatility, have a place in these difficult economic conditions.

INVESTING IDEAS: How to invest like Warren Buffett - and the tool that checks you are doing it right

The world's greatest investor: Warren Buffett has built up a huge fortune with his astute investing, Stockopedia analyses his style and lets investors see what shares he would buy

When it comes to investing tips, having a plan is a good idea. Stockopedia lets you see the shares investing gurus would pick and use their methods to try to strike it rich just like them.

Is the gold rush over? Investors frustrated as price stagnates far below $1,920 high and forecast is cut again

Top asset: India market is huge because gold is sought after for religious reasons and as a savings vehicle

Gold dazzled investors last year, but such excitement has long since dimmed. So is bullion biding its time for another run, or is the party over?

Hargreaves Lansdown Wealth 150 vs Investors Chronicle Top 100... What you need to know about 'select lists' of fund tips

Andrew Oxlade

Most of us just want to be able to pick a few funds that will grow our money without the process gobbling up our precious time. 'Select lists' of funds do that - but it's important you understand how they are put together.

Invesco's Neil Woodford takes a hit on 18% plunge in G4S shares - but he still backs the boss Nick Buckles

Crisis-hit G4S boss Nick Buckles

Neil Woodford, a revered stockpicker with a distinguished track record running Invesco Perpetual's giant income funds, said the G4S chief executive should not have to resign over the Olympics contract failure.

Investors have suffered five years of turmoil - but here's how you CAN make money on the stock market

David Osborne and his wife Margaret pictured with their sons

Rolls Royce vs Skoda: Why investors should rely on low-cost funds where value for money is guaranteed

Solid: Investors should be looking to invest in on the best value-for-money products - like the Skoda Octavia

For decades, the investing industry has been a gravy train for nearly all those involved – those who run the funds and those who sell them, from individual advisers to the giant 'discount' platforms.

Schroder UK Alpha Plus fund: Buxton concentrates on eclectic shares mix to cope with market uncertainty

In fashion: Burberry is one of 35 companies in the UK Alpha Plus fund

The fund is ten years old this month and manager Richard Buxton, Schroder's head of UK equities, says it has been run from the start to cope with uncertain market conditions.

MIDAS SHARE TIPS: Rentokil may turn corner if City Link offshoot delivers

City Link drove business services group Rentokil Initial to a £50 million loss last year

Business services group Rentokil Initial has been weighed down in recent years by the disastrous performance of its loss-making parcels business, City Link. But the division’s fortunes might finally be on the turn.

Investing classics: The books that can help you make money from stock markets

Reminiscences of a Stock Operator

I'd like to share the infectious enthusiasm of one particular stock-picker that I met this week - and the books that he says can help make you a better investor

MIDAS SHARE TIPS UPDATE: Prezzo's managers help make pizza chain a tip worth holding

Tasteful recipe: Pizza chain Prezzo

Full-year results published this April showed sales up 18 per cent to £124million and profits up 14 per cent to £16.4million.

Sunday newspaper share tips: Bloomsbury, Marks & Spencer and Cove Energy

Tips: We round up all the Sunday newspaper share tips

Every Sunday we round up the newspaper share tips.This week Bloomsbury, Marks & Spencer and Cove Energy.

A run for your money: Would you invest £15,000 buying a share in a racehorse?

Backing the winner: The syndicate that owned Lightning Cloud have seen a handsome potential return build up on their investment.

For most people, even most wealthy people, the expense of buying and training a racehorse makes doing so an impossible dream. But a growing number are buying racehorses through syndicates, allowing them to share the cost and any winnings.

Does fund of funds investing to give you a personal money manager end up worth the high fees?

Worth the cost: Fund of funds are promoted as spreading risk but they come with high charges

Increasing numbers are turning to a ‘fund of funds’, where one manager picks a whole range of investments for you, but are these worth the high costs?

Fidelity investors hope for fund boost after manager reshuffle

Striking gold: Investors are hoping the Fidelity Special Situations Fund will fare better under new management

Savers in the £2.2 billion Fidelity Special Situations fund are hoping for a drastic change in fortunes after a reshuffle of managers.

Why do stock markets underperform after national football defeats? We explain the Euro 2012 'mood trap'

Disappointing defeat: Poland's stock market underperformed after it fell out of Euro 2012

What were your emotions after England crashed out of Euro 2012? Studies show stock markets underperform more often than not the day after their country loses a knock-out football game.

INVESTING IDEAS: The innovative and low-cost Fundsmith has returned 21% against a market rise of 5%

FUNDSMITH RETURNS: The performance of Fundsmith over one year

Terry Smith, the son of an East End lorry driver, is a maverick City figure making waves with his new fund company. The charges are low, and the performance is turning heads.

How to make your child a millionaire - through regular investing and using your perfectly legitimate tax dodges

Your child might not inherit Prince William¿s £10million at 30, but savvy saving could make them a millionaire before their 40th birthday.

By using their tax allowances wisely, parents could make their children millionaires while they are still in their 30s - and cut their own inheritance tax burden. Of course having money in the first place helps and putting aside a considerable amount is essential, but there are just three basic steps to take, which should see your child a millionaire by their 38th birthday.

The hidden secret of ISA success: investment trusts knock the socks off rival funds

Emerging winners: Investment trusts in the Asia Pacific area have outperformed funds

When most people seek an Isa investment, the vast majority pick funds, but rival investment trusts can be much cheaper.

A pension guarantee could rescue your retirement but may also shave £50k off your savings

Pension guarantee: Workplace pensions could have a guarantee to protect savers from stock market falls under new plans from the government

Savers tempted by the idea of a pension guarantee to ensure they never get back less than what they put in have been warned that it will come at a price.

Investment trusts for income: Stock market beaters that pay 4% dividends

Magic number: The list of investment trusts paying 4 per cent income or higher, includes many that have also delivered stock market beating returns.

Nine investment trusts in the list of those paying 4% or more income have managed to beat the FTSE 100, while 18 beat the FTSE 250 index.

Anthony Bolton in China: Where did it all go wrong - and is it time to buy his trust on the cheap?

Growing China: Bolton's trust invests in firms exposed to Chinese consumers

Do Anthony Bolton's short-term travails offer a chance to buy in on the cheap for some bumper long-term rewards?

The tricks and traps of making money: Use monkeys and penalty shoot-outs to adjust your investing behaviour and strike it rich

Too much monkey business: From how monkeys react to losses, to how footballers take on penalty shoot-outs can help influence your investing decisions

How do monkeys react to making gains and losses? What do football penalty shoot-outs tell us about over-active investing? Behavioral investing experts explain what lies behind our financial decisions, and why we so often get them wrong.

Dividends beat the inflation menace and put income investors on the road to growth

Peter Miller, a retired stockbroker from Dundee, pictured with wife Jean, is a committed fan of investment trusts

The quest for income, and for ways of saving that can preserve the real value of money, has never been greater. And so the investors’ old friend, the dividend, has come back to the fore.

INVESTING TIPS: Top fund and trust ideas for income investors

Nice little earner: Reinvesting dividends gives investments a turbo boost over time - alternatively income from investing can be drawn by those who need it

Income investing is not just for those who wish to draw on their portfolio, reinvested dividends are also a great way to build solid growth over time. Our experts give their fund and investment trust recommendations.

INVESTING TIPS: Top fund and investment trust ideas for emerging markets

Brazil beach volleyball players

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

The best investment trusts for long-term investors: From income to emerging markets

A world of opportunities: From Brazil to turnaround prospects in UK companies, investment trusts offer a diverse choice

Investment trusts deliver strong performance combined with low fees, yet remain a little explored opportunity for many investors. Our expert picks a selection of the best.

How to choose the best investing Isa and boost your returns from funds, shares and investment trusts

Play your cards right: Picking the right investment Isa is essential to boosting your long-term returns

Investment charges may only seem small at the time but they can soon build up and eat into your long-term returns substantially. We explain how to pick the best investing Isa.

Time called on 'free investing', as FSA moves to ban platform commission but it will mean more upfront fees for investors

Broken system? Savers have been offered 'free investing' but in return for no upfront fees they have had commission eating into their nest-eggs

The FSA wants to ban all payments from product providers to investing platforms, which would call an end to the practice in which commission from fund managers pay for savers to use dealing services for free.

Investing in corporate bonds: how income hungry investors can go direct to firms or invest through funds

Stacking up: Steady income from corporate bonds is an attractive proposition for investors

Corporate bonds are popular among investors, typically offering lower risk and higher income than shares. We explain more

INVESTMENT SCHOOL: How to start investing and pick funds and trusts

Get started: Most novice investors start out by putting their money into investment funds

Shares in the country's top 100 companies have surged recently, giving fresh hope for a UK recovery. So can you share in a slice of the profit?

INVESTING IDEAS: Could you make money investing in India's growing middle classes?

Running the numbers: Investing in India's middle classes could prove profitable over the long-term

For braver investors, India has long been tipped as the emerging market with the most promise thanks to its growing middle-class, democracy and good education. A handful of fund managers offer direct exposure to India, but is it time to invest after the torrid time it has suffered recently?

INVESTING TIPS: Fund ideas for beginner and cautious investors

L plates

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.

INVESTMENT EXTRA: Africa - the new investing frontier that could prove a winner for risk takers

African stocks are up 45 per cent on average over the last three years

More and more fund managers in Britain are tip-toeing into the continent in search of juicier returns.

Six of the best dividend shares that deliver 5% or more income to investors

Stacking up: A strong dividend share will deliver an income return even when markets trade sideways or fall

Brave investors are being offered some big name dividend bargains yielding more than 5% – we highlight a half dozen income shares tipped for solid returns.

Investors offered chance to tap up Severn Trent for inflation-busting returns over 10 years

Money on tap: Severn Trent is offering investors an inflation busting return on corporate bonds - RPI plus 1.3 per cent.

Investors have a chance to turn the tables on inflation-busting water company price hikes, by nabbing their own returns rising above the cost of living, courtesy of Severn Trent.

Low-cost investing: How to find the cheapest fund supermarket

shopping basket

The cheapest way to buy funds, including Isas, is via a fund supermarket or discount broker. We show you how to find the supermarkets with the best discounts

INVESTMENT EXTRA'S HOW TO PICK SHARES: Look for strong balance sheets

Price-to-earnings ratios: There have been only two occasions when European equities have been cheaper ¿ 2008/09 and the 1970s

In this, the second instalment about investing during a tough economic climate, we look at the safety-first approach to stock picking.

Investment clubs: How sharing ideas and pooling money can help investors

Founder Joe Davis, left, with other members of the Nottingham University investment club

How to invest in funds, investment trusts and ETFs - and save money doing so

Invest wisely: Funds and investment trusts make an ideal starting point for more inexperienced investors

Pension vs Isa: The big debate

Which is best? We take a look at the merits and minuses of pensions and Isas

Which is better, an Isa or a pension? Over the last few years, it's become the big debate among retirement savers. We take a closer look

Finding higher income: The options, including funds, shares and 'social lending'

Wallet and money

With the base rate and savings rates at historic lows, savers are becoming desperate in the hunt for income. Our round-up points you to the best advice

How to pick the best (and cheapest) DIY investing Isa

Money

Choosing the right Isa wrapper can boost your investments. We explain how to decide and pick four of the best (and cheapest) available.

Cheapest index tracker funds

MARKETS

A guide to index-tracking funds. These are investments that can be included in an Isa and that track the performance of a stock market index

How to invest in gold: A guide to bullion, coins, funds and ETCs

Gold bars

Gold has proved a winner for investors in recent years. We explain the best ways to invest in gold through funds, trackers, bullion and coins

How to pick the best and cheapest funds-only investing Isa

Stacking up: Charges may seem small at the time but their effect builds over the years

Isa investors have benefited from a rush of competition in recent years, we explain how to choose the best fund Isa platform for your investments.

Henderson Far East Income: Rising yield attracts investors to this Far East trust

Stacking coins

Aberdeen European Equity: Hunt for the share gems driven down by the euro crisis could deliver big returns

Not all bad: Europe is home to some dynamic and very successful firms whose share prices have been driven down by turmoil - one of Aberdeen's main targets is Switzerland

Many strong global brands have seen their shares hit simply because they are based on the Continent. Aberdeen European Equity is one fund looking for the roses among the thorns.

BH Macro: Hedge fund trust doubles investors' money in five years

Graph

Shareholders have almost doubled their money since it was launched five years ago. This is the standout performance in a sector that has seen patchy returns.

UBS US Growth trust: Riding America's rebound by blending classic, elite and cyclical shares

Bouncing back: The American stock market has outperformed many others recently, UBS US Growth aims to profit from any recovery

The US stock market is widely researched, so there are few hidden gems. UBS US Growth has managed to deliver market-beating returns thanks to a clever strategy.

What do you buy when the economy is flatlining? Six shares that can still deliver

Pedigree shares: Marston's was picked out as a winner

The UK looks to have avoided another recession - but the economy remains weak. We asked a top equities expert to pick six pedigree stocks that will flourish despite a flat-lining economy.

First State Global Agribusiness: How to profit from rising food prices and the world's growing appetite

Growing profits: Funds that aim to profit from rising demand for food often invest in agriculture-related firms, such as seedmakers

BlackRock World Mining: Focus on mining shares that range from global giants to smaller specialists

Rio Tinto and BHP Billiton

It buys shares in miners that range from global giants such as Rio Tinto and BHP Billiton to specialists such as South Africa’s Impala Platinum.

INVESTING TIPS: The most consistent UK equity and small cap funds for your Isa

Pound coins and Britain flag

If you are hunting for growth to boost your investments, we highlight the funds that have out-performed year-in, year-out.

British Portfolio: Income trust axes fund manager and heads for BlackRock dividend stars to boost capital returns

FUND FOCUS: British Portfolio cuts loose its fund manager

US investment house BlackRock will take over from Allianz RCM next month as the board tries to meet its promise to generate growth in capital and income though investing in British equities.

Ignis UK Property: One of the 'purest' ways to tap into commercial property returns

Ignis UK Property graph

Commerical property - shops, offices, warehouses and factories - was one of the few bright sectors for investors last year, returning an average of 8.1%.

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UBS US Growth trust: Riding America's rebound by blending classic, elite and cyclical shares

Bouncing back: The American stock market has outperformed many others recently, UBS US Growth aims to profit from any recovery

The US stock market is widely researched, so there are few hidden gems. UBS US Growth has managed to deliver market-beating returns thanks to a clever strategy.

JPMorgan Indian: Investment trust looks for bounce back as India opens stock market up

JPMorgan Indian investment trust

The Indian government announced last week that for the first time, foreign individuals would be able to invest directly on Mumbai's stock exchange.

Merchants investment trust: A 6% dividend with income grown for three decades

In demand: The trust, run by RCM, the asset management arm of Allianz Global Investors, pays investors a dividend of just above six per cent

Merchants shares are trading at a small premium as investors buy into the fund's three-decade ability to grow its dividend.

Jupiter Merlin Balanced Portfolio: Shares, bonds and property all-weather fund may pay its way

Stack of British pound coins on list of share prices.

Bundling a mix of assets such as shares, bonds and property into one fund can give it the potential to perform in most market conditions. This is what the Jupiter fund aims to do.

M&G; Optimal Income: The bond fund that aims to beat all-comers

M&G Optimal Income graphs

M&G; Optimal Income, which has more than 750 holdings in investment-grade bonds and riskier company bonds, has returned 50% in five years and offers a 4.5% yield.

Jupiter Primadona Growth: The 'unique' trust that delivers growth and a 4% dividend

FTSE screen

Jupiter Primadona Growth is a strongly performing but overlooked investment trust that aims to deliver long-term capital growth.

First State Global Infrastructure: A 'boring' investment fund to profit on things we will always need

Building returns: Infrastructure funds look to earn long-term profits from how the things that people will always need are delivered

Investing in infrastructure – from roads and railways to ports and prisons – is a growing trend. We take a look at a fund that makes a virtue of solid but 'really boring' investments.

Witan: Investment trust's dividend growth would have turned £100 into £144,000 in 60 years

Fund focus: Witan is finding it difficult to weather today's rollercoaster stock market.

If a shareholder invested £100 in Witan investment trust 60 years ago and reinvested their dividends as they were received, they would be sitting on a holding worth £143,719.

M&G; Global Emerging Markets: Emerging market returns may be a mirage

M&G Global Emerging Markets factsheet

Do not be dazzled by emerging countries’ high levels of economic growth as they may not translate into stock market gains, Matthew Vaight of fund group M&G; has warned.

Bankers Investment Trust: Defensive dividend payer looking overseas for quality firms

Fund focus: Bankers Investment Trust has been consistently conservative over its 124 years and this has rewarded generations of shareholders

Bankers is among an elite of trusts that have increased their dividend payouts annually for decades. Dividend increases have far outstripped inflation, too.