The case of the invisible financial adviser: Industry insiders claim some are dodging clients to carry on milking commission from 'legacy' investments

Hiding from clients? Industry insiders claim some are still raking in trail commission on investments but giving no ongoing service or advice

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.

Invesco's new guru Mark Barnett: 'Look at my performance and don't judge me in relation to Neil'

Challenge: Mark Barnett's performance has been impressive to date

Having worked in Woodford’s shadow for 17 years, 43-year-old Barnett will finally step into the limelight when he takes over as Invesco Perpetual’s head of UK equities next April.

Blue Mundy: Top contrarian fund manager reveals why he is staying defensive in 2014 despite better news on growth

Television Programme: 'One Foot In The Grave' with Richard Wilson as Victor Meldrew.

Despite mainly positive economic outlooks for 2014, Investec fund manager Alastair Mundy, says he is sticking with cash, gold and inflation linked bonds, he explains why.

Could you profit from a takeover target? Sainsbury's and Burberry among British companies tipped for a buyout in 2014

Predicted for takeover: Sainsbury's could be one of a number of British brands to be taken over in 2014

Household names are among the British companies predicted to be the subject of international takeovers in the next year, according to investment bank UBS.

Investors offered inflation-linked solar panel crowdfunding that could pay an average 7.35% for 20 years

Green energy: British investors picked renewable investments as their second favourite, after property

Investors can put in as little as £5 and get returns linked to the Retail Price Index for 20 years from a solar panels project.

MIDAS SHARE TIPS: Your complete guide to joining the excitement of share buying

Informed: It is important to do research when picking which shares to buy

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.

BlackRock Frontiers Investment Trust: Mexico, Indonesia, Nigeria and Turkey WON'T make a Mint, says fan of frontier economies

BlackRock Frontiers Investment Trust

Sam Vecht, of BlackRock Frontiers Investment Trust, which puts almost 11 per cent of its money in Nigeria says he is 'not a fan of the "Mint" concept'.

INVESTMENT EXTRA: Companies are AIMing for success as junior market grows again for first time in six years

Growth: AIM steadily picked up a head of steam throughout 2013 - although well down on the boom year of 2007

There is a long queue of companies, including online retailer boohoo.com, waiting to climb aboard the junior market juggernaut, which currently houses around 1,090 stocks.

Should you invest in the best of British? A magnificent seven UK shares that could bolster your portfolio in 2014

Top stocks: Where should you invest 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.

What does 2014 hold for investors in Europe, the US, Japan and emerging markets? We reveal the stock markets that still look cheap

US boost: World's biggest economy has strengthen sufficiently for Fed to start dismantling its stimulus programme

For investors 2014 could mark the beginning of a return to normality. We get the experts view and reveal which markets look cheap and expensive.

Barclays shifts investments often deemed too risky for ordinary savers from its main website

High risk gambles barred: Barclays Stockbrokers is shifting a raft of complicated investments often deemed too risky for ordinary savers from its main site

Barclays Stockbrokers is shifting a raft of complicated investments often deemed too risky for ordinary savers from its main site on to a new one for expert traders.

Strong possibility of fraud if you invest in ‘miracle material’ graphene, warns watchdog after ‘boiler room’ find

Super light: A piece of graphene aerogel developed in a lab at Zhejiang University, China is seen placed on a cherry flower

The Financial Conduct Authority said consumers should be wary of dubious investments in graphene as unscrupulous brokers aim to cash in on the excitement.

More savers than ever before piling money into robot funds - but some lose 19% of your profits

Popular: Tracker funds are chosen by investors hoping to profit from rising stocks

Investors who bet on stockmarket trackers to cash in on the rise in share prices missed out on a fifth of their profits if they picked the wrong fund.

Four top financial advisers (and Trigger the dog) reveal the best way to invest £100,000

Taking the lead: Trigger with fund chief Brian Dennehy

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.

How will stocks perform in 2014? City gurus offer market forecasts and tip the sectors and shares to watch next year

Market watch: Overwhelming consensus is that 2014 will be another good year for stocks

Shares are endorsed as the asset class to be in next year, with further gains expected despite stellar performance in 2013 dimming somewhat of late.

What will move the gold price in 2014? Metal had its worst year since 1981 in 2013 but gold can still shine despite the recovery

Gold: There are still reasons to hold gold in 2014

The gold price fell by 24 per cent this year as economic sentiment improved. Is it time to offload the asset? Adrian Ash of BullionVault outlines gold's 2014 prospects.

Where should you invest next year? Six fund ideas for 2014 whether you are cautious, contrarian, or adventurous

Rising sun: 2014 may be a good year for investing in Japan

Developed markets have been the winners of 2013 as economic recovery appears to take hold this year giving a boost to equities, but will it continue into the New Year? Investment management firm Psigma predicts 2014 could be the year for Asian equity, particularly in Japan and China.

Will the US stock market still be a land of opportunity for investors in 2014?

Big spenders: The feelgood factor is evident in New York after Twitter's founders toasted a hugely lucrative floa

The Standard & Poor's 500 index has raced 29 per cent higher during 2013, compared with 18 per cent for the FTSE All Share index. But can the pace last into 2014?

SIMON WATKINS: The Bitcoin bubble sounds crazy because it is - if you can't spend it, it's not a real currency

Simon Watkins

The Bitcoin virtual currency was hailed by its fans in 2013 as a revolution. But now governments are moving to quell the Bitcoin frenzy and the hype is evaporating.

Place a bet on Uncle Sam: Top fund tips to take advantage of the great US corporate recovery

Upbeat: One of the reasons why American companies are seeing profits soar is that energy prices are low

Experts are now tipping powerful US corporates as a robust place to boost your nest egg, even if buying shares in them seems a little expensive.

Could a helping hand make you richer? Six myths that stop people seeking financial advice

Mythbusters: There are a lot of myths about advice that have stuck like rumours of the Loch Ness Monster, pictured here in Lego form at Downtown Disney, Florida

Financial advice has gone through a big change this year designed to help customers get a better and fairer deal. Could you benefit from a helping hand with your money?

What are the chances of that? How to invest for a good, bad or indifferent world economy in 2014

Chances: iShares believes low growth is the most likely economic scenario

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.

From Swedish fingerprint scanners to Brazilian sports shops: Where in the world should you be investing in 2014?

Investing overseas: Read our guide for next year

Putting your cash overseas is not for the faint-hearted, so you’ll have to tuck your money away for at least ten years to reduce the risk of losing it all on a sudden crash.

M&G; savers hit by third blunder in six months as fund fails to pay enough tax

Out of pocket: Thousands of investors in M&G's High Yield Corporate Bond will see their payments slashed because the fund did not pay enough tax

More than 30,000 investors with income shares in the M&G; High Yield Corporate Bond fund will have their payments slashed in December, because the fund did not pay enough tax in August and November.

'My investment has a delicious perk and the shares have doubled, too!': Share buyers are enjoying a growing range of incentives, but are they good value?

Nick Baldwin

The Mail on Sunday examines whether shareholder perks are good value or just a gimmick to lure investors. Nick Baldwin invests in the Kent winemaker Chapel Down.

Twelve of the best fund managers to watch: Inspired, determined, sometimes just sheer bloody-minded - should you back high conviction investors?

Creative thinking: High conviction investing is all very well but at some point the rest of the market needs to come round to your view if you want to make money

We profile the leading lights, up-and-comers and popular survivors among Britain's small band of high conviction fund managers. Even if you are unconvinced by their ideas, it's still worth giving them a hearing.

How to be a DIY investor and take control of your money to build a richer future

DIY investing: There has never been a better time to take control of your investments and build your fortune.

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.

SIMON LAMBERT: There's never been a better time to be a DIY investor and take control of your money

Simon Lambert: The long term rewards of investing can be great and there has never been a better time to get started.

From things to invest in, to ways to do it, the wealth of opportunities on offer make it simple and cost-effective to take control of your money's future. So, welcome to This is Money's new DIY Investing section.

Clean funds guide: Is it time to put your dingy old funds through the wash?

Laundry day: Clean funds include no commissions for financial advisers, supermarkets or brokers - just the fee levied by the fund manager

What are clean investment funds, how do you find them, and should you convert your old funds to the new kind?

Hargreaves Lansdown ALMOST reveals new charges: Small investors charged more but platform squeezes cheaper 'superclean' fees from funds

New deal: Hargreaves says it has exerted pressure on fund groups to win 'superclean' prices for customers

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.

Fund managers told to stop charging investors for bogus 'research' - including talking to bosses at firms they invest in

Industry overview: FCA is also looking at the investment banks and brokers which provide 'bundled' research services to fund managers

The new regime is intended to stop fund managers splashing out client's cash on services they might not pay for if it was coming out of their own pocket.

'They charged investors for their Bloomberg subscription': Watchdog tells fund firms to come clean over hidden charges

Canary wharf

Fund houses are making investors fork out for services such as 'corporate access' - speaking to managers of firms where they want to invest.

What should you know before buying a fund? The DIY guide to researching investments - and whether official documents do enough

DIY investing guide: A financial expert explains which bits of a KIID document are actually important, the parts investors are free to skim, and what important information they leave out

Investment companies have to produce a checklist of important details like charges and performance for each of their funds - but what do they leave out?

How to find clean funds: Free-for-all over names leaves investors in the dark - we list 30 top-sellers and show how to find the rest

Washes whiter: Clean funds carry no commission for middlemen, just the basic fee levied by the fund manager

Investors have the opportunity for higher returns with commission-free 'clean funds', which are mostly cheaper than the old kind. But fund providers have given their clean funds a baffling array of new names - so how do you track them down?

Small investors lose in industry overhaul to demystify charges - and now 'superclean funds' could make things more confusing

New deals: Some DIY investing platforms could be gearing up to offer what are being called 'superclean funds'

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 drive to make fund charges cheaper and clearer working? Top investment firms hiking fees on commission-free 'clean funds'

Charges shake-up: Clean funds are simply versions of existing investment funds that include no commissions for middlemen - just the basic fee levied by the fund manager

The extent of a commission clawback by fund providers is laid bare by a breakdown of 'clean' fees and the equivalent 'dirty' ones from a leading fund supermarket.

How many funds should you invest in? Rookies can start out with one but aim for 10 to 16 - and 20 at the most

Balancing a portfolio: How many baskets of eggs is it sensible to carry at once?

Assuming you heeded the investing lesson not to put all your eggs in one basket, that still begs the question of how many baskets it is sensible to carry at once?

The next accident waiting to happen? Investors warned over risk-rated funds with scores based only on past performance

Risk-rated funds: 'One' is considered very safe while a 'ten' is the riskiest

So-called risk-rated funds are given a number rating so advisers know how dangerous they are before selling them to you.

Is your fund a 'closet tracker'? How to find out if you're paying an active fund manager just to hug a benchmark index

Watch out: Closet trackers charge active fees for passive performance, so investors do badly out of the deal

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

DIY investing: If you want to invest across shares, funds, investment trusts and ETFs, picking the right platform can save you a substantial amount.

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.

Market movers: How to spot when it may be time to buy or sell an investment

Paperwork: There are lots of sources of events that can move markets

Getting into the stockmarket at the right time with the right investment can be just as important as holding onto a stock or fund for a prolonged period to let it grow

Web calculator finally exposes true size of investment fund costs - but is cheapest always best?

Reduced returns: Calculator focuses squarely on costs, which mount up over the years and can leave a big hole in your savings pot

A simple tool for totting up investment costs is now available: the True and Fair Calculator, launched by campaigners for more transparent fund charges.

How can I check my DIY investing platform is trustworthy and safe?

Where's the safety net? Ask the right questions to ensure your investing platform is fully authorised

New platform providers are cropping up all the time – how can you check yours is legitimate so that your money stays safe?

Share in the profits of UK's new success stories: What are venture capital trusts and should you invest in them?

High stakes drama: Screenwriter Tom Williams is keen to invest for his family

Recovering economy, low interest rates, attractive income and big tax breaks are persuading many taxpayers to consider investing in venture capital trusts. Jeff Prestridge analyses the attractions and drawbacks of an often overlooked opportunity.

Energy funds could be the best place for dividends, as big-paying gas and electricity firms come under the cosh

INVESTMENT EXTRA: Rising bills energise investors

Ploughing money into single stocks carries a greater risk of potentially losing your cash and share prices are vulnerable to political changes.

Is it time to invest in Digital Britain? Five top UK technology shares to rival Twitter

Listing: Twitter's share price soared when it listed on the New York Stock Exchange

Headlines have been grabbed by Facebook and Twitter but there are also many top tech contenders in the UK. We highlight five of the best.

Find the tweet-spot: Six top funds and trusts to invest in technology

Tech stock boom: Twitter is due to float on the stockmarket, but may not be the best way to invest in technology.

There may be too many risks in putting money into one firm's shares, but you could take advantage of the revolution with a technology fund or investment trust.

It's not all about income: Five of the best growth funds to profit from the bounce back

Growth Fund managers have different definitions when it comes to growth stocks

After years on the defensive as economies recovered from the financial crash and subsequent recessions, now may be the time for investors to go for growth.

Missed out on Royal Mail? Ten first class dividend shares to boost your income investing

First class shares: Broker Killik picks its ten top dividend payers to rival Royal Mail shares.

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

Sun seeker: You could earn more than 6 per cent a year by investing in renewable energy

If the thought of solar panels on your roof seems too expensive or a wind farm in the garden too noisy, you could benefit from a new breed of funds and trusts.

Life after Woodford: Five of the best income funds and investment trusts to build your wealth

End of an era: Neil Woodford is leaving Invesco Perpetual to set up his own firm

Neil Woodford is stepping down from his funds where he is Britain's favourite manager. We pick five alternative income funds and trusts worth a look.

INVESTMENT EXTRA: New stars to follow Neil Woodford - so should you jump ship?

Rising star: Barnett (inset) has actually beaten Woodford's returns

The incoming manager on Invesco’s two income funds, Mark Barnett, has actually beaten Woodford.

Rule Britannia: Five share tips to take advantage of a UK recovery

Flying high: Data suggests the UK could be in 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.

Scared of the stock market? Six top tips that will make you a safer and better investor

Guidelines: Adviser Claire Walsh is a firm believer in controlling risk

October 19, 1987 remains the day on which the world’s major stock markets suffered their biggest crash. We speak to long-term investors who offer advice, such as Claire Walsh, who is a firm believer in controlling risk

INVESTMENT EXTRA: Hunting for high income? Top 10 income-paying companies in the UK revealed

Top 10: But a high yield can sometimes be an indication of high risk

The highest-paying company of the blue chips on the London Stock Exchange is Hansard Global. The life-assurance fund provider’s dividend yield is nearly 13 per cent.

Risky business: Four benchmark-beating fund options to give you a better return on the risk you take

Risky Business: The film that launched Tom Cruise's career shows the risks of chasing huge financial returns

Katie Roberts, product director for Fidelity Worldwide Investments, reveals some top low risk funds which have low volatility but consistent returns.

The cheapest way to invest £10,000 in Britain's most popular fund: A basic comparison for DIY investors

Hammer blow: Enforced upfront costs for IFAs will make it seem even cheaper to be a DIY investor

With a new army of DIY investors in the UK, we look at the cheapest ways to invest £10,000 in one of Britain’s most popular funds, the £9.3billion Invesco Perpetual Income run by Neil Woodford.

As savings rates plunge to a record low: How you can earn income from your nest egg with shares, funds and bonds

A golden nest egg

Savers who need to boost their income are finding they must take more risks with their money, so how can you invest for income but still play it safe?

INVESTING TIPS: Fund and trust ideas for beginner and cautious investors

Starting out: Fund tips for beginner or cautious investors

INVESTING TIPS: Top fund and trust ideas for income investors

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

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

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

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

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.

'Returns on my ethical investments have matched and beaten others': Ethical shares reap an extra 5%

Riding high: Alasdair Macdonald's ethical funds are doing well

Ethical funds have come under scrutiny in the past for failing to produce satisfactory returns. But Alasdair Macdonald is happy with his.

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

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

Investment clubs, where friends get together to research and buy shares, have held up surprisingly well through the financial turmoil of the past five years.

Are Royal Mail shares still a 'buy' as they sail over 500p? Investing experts on whether getting aboard now is a good move

Plus point: Royal Mail might qualify for inclusion in the FTSE 100, meaning more tracker funds will have to buy it

Royal Mail shares must be a tempting 'sell' even for those who had resolved to hold on, but there is still heavy demand from buyers. We take a look at why.

Investing ideas: The art of keeping it simple and why I've put money in Fundsmith

Keep it simple: Fund management is over-complicated, over-rewarded and run nowadays for the benefit of its players not its supporters. says Simon Lambert.

Fund managers have turned over-complicating something into an art form. Fundsmith seems refreshingly different, so I've invested.

How to boost your investment portfolio: Aberdeen investing guru's Hugh Young's top ten tips

Tips: Hugh Young, star fund manager at Aberdeen Asset Management

Hugh Young, star fund manager at Aberdeen Asset Management, has developed ten golden rules for investing in shares over more than 25 years in the markets.

Good value funds: What are the best, simple low-cost investments to bank and hold for 20 years?

Doing just what it says on the tin: Keeping investing simple and cheap

Investing is a long-term game, but where should you tuck away your nest egg for the next two decades? We find simple winning investments with low running costs.

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

Secret

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 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

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

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

Cheapest index-tracking funds: Trackers with the lowest charges - and the best ways to invest in them

MARKETS

Trackers are low-cost investments rise and fall with an index and while they will never beat the market, their fans say neither will active fund managers year-in, year-out.

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

JPM Strategic Bond Fund: Contrarian manager stays positive despite end of bond bull run

Fund Focus

Nick Gartside, who joined the management of the fund in 2011, two years after its launch, says returns could be better in 2014. The fund is a global portfolio of fixed and 'floating-rate' debt and comprises a mix of high-yield corporate bonds, lower-risk investment grade corporate bonds and cash.

FIDELITY JAPANESE VALUES IT: £30bn stimulus package in Japan could underpin rising market

Investing in Japan has been unrewarding for 20 years but some observers believe this is going to change

Alexander Treves, head of Japanese equities at investment house Fidelity, says the stimulation of private-sector investment could trigger a ‘virtuous circle’.

Henderson European Focus: Stock picker bets on high-tech cars to get Euro fund motoring

Henderson European Focus

'There is no correlation whatsoever between economic growth and stock market returns.' So says John Bennett, of investment fund Henderson.

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