When did you last hear from your financial adviser? If you bought investments on an adviser's say-so before last January, they might still be raking in commission on them now. It means investors could be missing out on converting old funds into new 'clean funds', which carry no commission for financial advisers or other middlemen and offer the opportunity for higher returns over time.
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LATEST SHARE TIPS
MIDAS SHARE TIPS: Your complete guide to joining the excitement of share buying
The sale of Royal Mail shares last year whetted the appetite of many investors for share buying. With the stock market heading back towards record highs and the prospects of a sale of Lloyds Banking Group shares on the horizon, 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.
ESSENTIAL INVESTING NEWS & VIEWS
Should you invest in the best of British? A magnificent seven UK shares that could bolster your portfolio in 2014
Investors in UK shares have enjoyed a bumper year but how will they fare in 2014? No one knows how the year ahead will turn out but in the investing world quality usually shines through. Broker Killik predicts 2014 will be another good year for equities and has highlighted seven UK stocks that should do well.
Four top financial advisers (and Trigger the dog) reveal the best way to invest £100,000
Low interest rates and dismal bond yields have forced many investors to rebalance their portfolios, in the process taking more risk with shares. We ask four top financial advisers - plus online broker Fund Expert's tipster Trigger, a Staffordshire bull terrier - how they would invest £100,000 for the long term, according to whether the client is cautious, balanced or adventurous in their attitude towards risk. They also give fund recommendations.
What are the chances of that? How to invest for a good, bad or indifferent world economy in 2014
If you want to position your portfolio for changing market conditions it is important to consider the outlook for 2014 so your investments are well positioned. Stephen Cohen, chief investment strategist for iShares, runs through three economic scenarios to consider and reveals how to prepare for them.
INVESTING GURUS: SECRETS OF THEIR SUCCESS
- How finance professor Josef Lakonishok turned his theory into a $70bn practice
- Montier's financial red flags can protect investors and be the short-seller's friend
- How US hedge fund star Joel Greenblatt beat the stock market with a magic formula
- How to invest like Warren Buffett: His philosophy and some of the UK shares he'd like
- Did this professor find the secret to bargain shares? Piotroski's F-Score
- Don't get your head turned by glamour shares: David Dreman and the art of contrarian stock-picking
- How to hunt for cheap shares: Benjamin Graham's bargain basement winners
- How to follow the investing legends and beat fund managers at their own game
DIY INVESTING:TAKE CONTROL OF YOUR MONEY
How to be a DIY investor and take control of your money to build a richer future
Whether you are starting from scratch or want to make more of money you’ve already put aside, there has never been a better time to become a DIY investor. We explain how to get started on a road that will hopefully take you to riches.
Hargreaves Lansdown ALMOST reveals new charges: Small investors charged more but platform squeezes cheaper 'superclean' fees from funds
Investing giant still won't confirm details but hints at a future sliding scale of charges from 0.7 per cent for investors with £10,000 or less, to 0.35 per cent for £1m-plus. Hargreaves claims to have squeezed better deals out of investment providers than rivals, meaning clients will be able to buy funds at 'superclean' prices.
Small investors lose in industry overhaul to demystify charges - and now 'superclean funds' could make things more confusing
Only the banks, which gave up offering money advice after backdoor sales commission was banned, are regarded as bigger losers than consumers since the shake-up. And now we might be entering an era of 'confusion pricing' where people are confronted with an array of different tariffs by investing platforms when they buy so-called clean and superclean funds.
Is your fund a 'closet tracker'? How to find out if you're paying an active fund manager just to hug a benchmark index
Financial advisers warn so-called 'closet trackers' are all too common, and investors need to stay alert to avoid shelling out high fees for passive performance. We look at how to spot these index-huggers masquerading as active funds - and whether you're better off just buying a real tracker fund anyway.
How to pick the best (and cheapest) DIY investing Isa
Choosing the right Isa wrapper or investing account can boost your investments. We explain how to decide and pick five of the best (and cheapest) available. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.
INVESTING IDEAS
Is it time to invest in Digital Britain? Five top UK technology shares to rival Twitter
Find the tweet-spot: Six top funds and trusts to invest in technology
Missed out on Royal Mail? Ten first class dividend shares to boost your income investing
Royal Mail has rocketed in early trading after almost 700,000 investors were allocated 227 shares each. Royal Mail investors were attracted by the lure of a bumper dividend of 6 per cent or higher. But there are lots of household names with a good dividend yield, stock broker Killik lists ten of the best.
Earn a 6% return from the sun: Five ways to invest in green energy without the hassle of sticking solar panels on your roof
Rule Britannia: Five share tips to take advantage of a UK recovery
We are not out of the woods yet, but the signs suggest economic recovery in the UK. GDP is rising, housebuilders are reporting bumper trade and the property market is on the up. We reveal the best sectors and five share tips to play things getting better.
Risky business: Four benchmark-beating fund options to give you a better return on the risk you take
INVESTING TIPS: Fund and trust ideas for beginner 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. ...read
How to choose the best investing Isa and boost your returns from funds, shares and investment trusts
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.
GUIDES & TOOLS TO HELP YOU INVEST
How to invest in funds, investment trusts and ETFs - and save money doing so
Fund investing helps many small investors strike it rich. Find out what funds are, how to invest, and how to save money through a fund supermarket ...read
FUND AND SHARE TIPS & PERFORMANCE
FUND TIPS: WHERE ARE THE HOT INVESTING OPPORTUNITIES?
- Blockbuster drugs and ObamaCare offer a boost to Worldwide Healthcare Trust
- Witan Investment Trust: Forget a Furby, give children a stake in a growth fund
- Jupiter Financial Opportunities: Fund bouncing back after the crisis as manager picks potential bank winners
- STANDARD LIFE GLOBAL: Duo's 45 per cent gain makes strong case for investing in smaller firms
- Liontrust Macro Equity Income: Fund management duo trounce rivals as major bets bring big rewards
- JPM Emerging Markets: Volatile fund delivers big returns but tests nerve of brave investors
CHECK YOUR INVESTMENTS
Investing: don't miss
- TONY HETHERINGTON: Fake stockbroker hijacks names of real advisers
- Gold still glints of promise despite woeful 2013 For contrarians pondering where to put their money in 2014, gold would be a pretty good place to start
- Royal Mail shares Investors are up 70% on float - what you need to know and latest price
- SMALL CAP FOCUS MoPowered offering blue-chip businesses a way to boost mobile and tablet sales
- JAMES CONEY Some investment experts are bullish about the prospects for stocks, but the fact remains an Isa is a safe place for your savings
- Beware of investing tips and forecasts You could end up with a random museum of yesterday's short term ideas, says expert Jason Hollands
- SMALL CAP MOVERS 2013 will go down in the history books as the year London's junior market grew up
- JON REES It's a lively economy... but with dead-end jobs.
- Footsie turns 30... So what's in store for iconic index?
- Clean funds guide Is it time to put your dingy old funds through the wash?
Long-term savings
ISAs and FUNDS...
Pay 0% initial commission on all ISAs and Funds. Find out more...Latest money predictions
Latest from Markets
- FTSE CLOSE: RBS and Barclays shares rise on capital requirement boost; Footsie pushes higher
- Inflation rate set to rise from a 4-year low to 2.2% on rising energy bill hikes and higher prices at the petrol pump
- BRONEK MASOJADA INTERVIEW: 'Don't worry ... I've got it covered!' Boss of upmarket insurer Hiscox tells of life in the fast lane
- Power Portfolio - track your real or virtual investments
- Customers out of pocket as phone recycling firm Cash4phones hangs up
- Morrisons shares boosted by reports struggling supermarket group could raid property empire to hand back cash to shareholders
- Water companies ordered to cap generous handouts to investors and keep household bills down instead
- Housebuilder Miller mulls break-up of its business ahead of a possible stock market float
- US billionaire Alec Gore eyes Premier Foods stake as Hovis owner struggles to overcome £1.3bn debt
- Burberry set to post upbeat Christmas trading figures despite worries over Chinese slowdown
HOT TOPICS AND PREDICTIONS
DON'T MISS...
- 5% interest for five years Lend-to-Save firm Zopa launches limited edition market-beating rate - but should you invest?
- Perk cut: Metro Bank to limit free transactions overseas perk to just Europe from March
- Blink and you'll miss it Top-paying fixed-rate bonds are shutting out new savers as they disappear after just a week
- Unholy scandals Another year of banking shame as the hapless stewardship of Britain’s banks continues
- JAMES CONEY: Don't ditch your ISA It's still the safest place for your savings to earn interest
- A final victory! As government throws a lifeline to 6.3m child trust funds - how our Get Britain Saving campaign gave YOU a better deal
- Holiday perk cut Norwich & Peterborough to scrap popular Gold Light bank account which offers free use overseas
- Another year to forget for savers amid falling rates and a lack of competition But will rates finally start rising again in 2014?
- JEFF PRESTRIDGE Treasury is a Scrooge over child savings
Calculators
- Monthly vs. lump sum Compare the effect of regular savings with stashing a lump sum
- Inflation danger How inflation erodes away the value of your nest egg
- How long to £1m? How long to save before you reach the magic £1m
- Premium Bonds How close have you been to winning your fortune on the Premium Bonds?
MUST READ FROM PENSIONS
- What will happen to pensions in 2014? This is Money has obtained predictions from industry experts.
- Is it time for a dry January? How a month-long break from the booze can boost pension fund by £20k Get £1,000-a-year more in payouts.
- Number of pensioners in work rises by a THIRD in three years ...but Saga claims they're not keeping younger workers out of jobs.
- Autumn Statement offers £1,300-a-year state pension boost: Six month window for pensioners to boost their retirement income.
- Youngest will work into their 70s and millions in their 40s have to wait an extra year to retire State pension rises announced in the Autumn Statement.
- Loss of state pension triple lock could see retirees £600-a-year worse off by 2026 The difference between triple lock and average earnings is stark.
- Calendar quirk leaves tens of thousands of retired miners out of pocket More than 59,000 miners hit with a once in 20 years tax bill.
- Where can I check which annuity provider offers the best price? I have two pension pots worth a total £50,000 I need to convert.
- I've been offered a new job with a hefty pay rise but I'll be giving up a great pension - how much is my retirement scheme worth? Tough decision.
- HMRC finally beefs up system to combat bogus work schemes to 'liberate' you pension early Bid to stop pension liberation fraudsters.
- New state pension age: when will you retire? Find out when you will be allowed to retire
CHECK YOUR INVESTMENTS
FIX YOUR FINANCES
- This is Money's five favourite cash Isas Essential Isa reading kept up-to-date throughout the year
- Should you fix your mortgage? The latest on the best deals and what next for mortgage rates
- How to plan for a richer retirement Whatever your age, there's a plan for you. Follow our decade-by-decade guide
- How to pick the best DIY investing Isa We explain how to decide and pick five of the best (and cheapest) available
- Energy bills: Is it worth switching? What are the best deals and should you fix?
- How to get out of debt Read our ten-step guide to getting back into the black
Long-term savings
Currency | Rate | Buy now |
---|---|---|
Updated 13 Jan 2014. | ||
Euro | 1.181 | Buy Now |
US Dollar | 1.6148 | Buy Now |
Australian Dollar | 1.7658 | Buy Now |
Canadian Dollar | 1.7486 | Buy Now |
Chinese Yuan | 9.565 | Buy Now |
Croatian Kuna | 8.8676 | Buy Now |
Czech Koruna | 31.813 | Buy Now |
Danish Kroner | 8.688 | Buy Now |
Egyptian Pound | 10.825 | Buy Now |
Euro | 1.181 | Buy Now |
Hong Kong Dollar | 12.411 | Buy Now |
Hungarian Forint | 343.72 | Buy Now |
Japanese Yen | 166.49 | Buy Now |
Malaysian Ringgit | 5.1574 | Buy Now |
New Turkish Lire | 3.4735 | Buy Now |
New Zealand Dollar | 1.9297 | Buy Now |
Norwegian Kroner | 9.7812 | Buy Now |
Polish Zloty | 4.7907 | Buy Now |
Singapore Dollar | 2.0231 | Buy Now |
South African Rand | 16.975 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Kroner | 10.333 | Buy Now |
Swiss Franc | 1.45 | Buy Now |
Thai Baht | 51.966 | Buy Now |
UAE Dirham | 5.8872 | Buy Now |
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