Bonds are attracting masses of savers' cash - trade body the Investment Association reported that £130million flooded into these funds in February alone. But their popularity is making these precarious investments ever more risky. Jon Mawby, manager of the GLG Strategic Bond fund, is looking at countries such as Australia and Canada because they haven't had bouts of monetary stimulus skewing valuations.
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LATEST SHARE TIPS
MIDAS SHARE TIPS: Translator is the last word in the video game market - but not for Keywords Studios
In 1998, an Italian translator and her husband started a business in Dublin, translating documents for Microsoft and other software giants. As both were passionate about video games, they shifted the business steadily towards that field, translating games into a multitude of languages for top producers around the world. The company, Keywords Studios, listed on AIM in July 2013 at 123p. Now 153p, the shares have real potential. The directors are ambitious, the video games market is growing fast and the group even pays a dividend.
ESSENTIAL INVESTING NEWS & VIEWS
Investor confidence is wobbling due to election uncertainty - even as Footsie notches up record highs
The FTSE 100 hit a closing record of 7096.78 on Wednesday, but a survey shows just 36 per cent of investors expect the London stock market to be higher in six months' time. The findings come as opinions polls show the election race between Tories and Labour is still extremely tight, with neither able to gain a decisive edge that would give them an overall majority on May 7. But a Hargreaves Lansdown commentator says the UK stock market is 'packed to the rafters' with global companies, for which the election is a parochial issue and in the long term company profits are not in thrall to any political party.
Would you invest in this forest? Investors and pensioners promised 20% returns from an eco village in Norway... Here's the truth
The advert for the Convent in the Hills sounds appealing: 'A new exclusive eco village development investment opportunity providing homes in Norway.' Investors need to put down a minimum of £15,000, for which they'll get shares in a UK company, which owns this 3,500-acre plot. For their cash, investors are promised a 20 per cent profit within a year. We set out to find out if it was too good to be true.
TONY HETHERINGTON: I spent £29,950 buying 'fishing village' land in Brazil -now I can't track down the salesman
In 2011 I was persuaded to buy a plot of land in Brazil, followed by a larger plot a few weeks later. The salesman was a silver-tongued broker named Jacob Stone from Land Asset Group. I had regular calls telling me all was fine, with the World Cup on its way, followed by the Olympic Games. Now I want to sell my land, but BT says the company's number has been 'disabled', and a recorded delivery letter has been ignored.
Couple face £25k bill after Capita posted £1.5million of share certificates by second class post - and they never arrived
Deryn and Derek Hemment were told by Capita they must buy an 'indemnity' against their lost Compass share certificates being used fraudulently - though they are innocent of mislaying the documents or of any wrongdoing. The pair can't trade their shares in the FTSE 100-listed catering giant until they get replacement share certificates, but they are being refused them until the indemnity issue is sorted. The Hemments insist Capita should foot the indemnity bill, because the loss of their certificates was down to the firm posting such valuable documents second class.
INVESTMENT EXTRA: Japan is still home to some of the world's greatest companies, but has yen to innovate
Investing in Japanese companies is clearly high-risk for British investors. So funds, as always, offer the best access point. Often retail investors access markets too late and miss the big surge. In the case of Japan - where equity values have been depressed for so long - there is still a long way to travel.
The Footsie is back to square one but some Asia-Pacific funds are up more than 1,000%: The 20 best performing investment trusts of the century so far
Asia-Pacific equities, British companies of all sizes and healthcare and technology: these are the areas showing the biggest returns of the century for investment companies. The Association of Investment Companies has taken a look at the 20 top performing investment companies from the last trading day of 1999 to the end of February 2015 and found that certain themes dominate.
INVESTMENT EXTRA: Small caps rustle up big profits as US stock market enjoys another record high
Another week, another record high for the US stock market. Last week it was the turn of the technology-oriented Nasdaq index to follow other US stock markets in hitting a peak - climbing above 5,000 points for the first time since the dot-com bubble. In recent months, the US has been repeatedly branded as a bright spot on the global horizon. Its economy has recovered more swiftly than rivals and the Fed looks set to be the first central bank in developed markets to raise interest rates this year.
Six questions investors need to ask to build a winning portfolio from scratch
DIY investing is on the rise as people take control of their finances to avoid adviser charges and do more with their hard-earned cash than put it into a poor paying savings account. But becoming a DIY investor can be daunting with so much choice in what to invest in and how. We outline six questions you should ask yourself to help create an investment portfolio from scratch.
INVESTING GURUS: SECRETS OF THEIR SUCCESS
- Back to the future: How James O'Shaughnessy turned past performance into a way to find winning shares
- Could following investing legend (and children's author) Jim Slater's 'Zulu Principle' bring market-beating returns?
- 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.
Six simple steps for wiser investing - and a better chance of higher returns
At the risk of adding to an already extremely crowded market, I have tried to distil some thoughts on how to invest wisely into a simple plan. These are ideas that I have gleaned magpie-fashion from investors I have spoken to - or read - whose wisdom seems to shine the brightest. ...read
How risky is your fund? Two out of five sold in the UK are given a high risk rating due to volatility levels
Higher volatility is thought to indicate greater uncertainty about performance, and all funds have to use a standard measure to help investors grasp the risks. This ranks funds from band one for the lowest risk to band seven for the highest - but research by Rplan has found some 40 per cent or 1,016 of the funds available in the UK are bunched up together in band six. A further 50 per cent or 1,275 of funds are split almost exactly between bands five and four.
Six steps to get your investments to bloom: How to carry out an annual health check - and then relax
Do it ONLY once year, but do it at exactly the same time, and don't get distracted shopping for new investments before you've reviewed your old ones. So how precisely do you go about an investment health check? Follow our six-step guide, which is packed with expert tips.
If you could only have one fund, what should it be? Experts pick six of the best investments to tick all the boxes
Plenty of investors would prefer to keep it simple rather than bother to build and maintain a portfolio - they want to buy one decent fund that does everything for them. But is this a wise move and if you do decide to put all your money in one fund, how do you choose a good one. We get six experts to deliver their one fund picks.
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.
INVESTING IDEAS
Apply now to invest in the science stars of the future as Neil Woodford launches a start-ups fund
For more than 20 years, Mr Woodford has been a renowned investor in big FTSE 100 firms, but now he is turning his attention to a fund for smaller companies. Based in Oxfordshire, the Patient Capital Trust will help finance early-stage firms, many of which will have a science and medical bias. This makes the trust quite a risky punt since many start-up firms fail.
The handbags that are as good as the stock market: Why that designer bag isn't just a luxurious accessory - it's an investment too
Over the past decade the value of the most sought-after handbags has risen by an average of 8 per cent a year - matching the FTSE All-Share Index. Top performers include the 'Medium Classic Flap Bag' from designer label Chanel. This is now worth £3,000 but cost less than £1,000 in 2004. ...read
Which drugmaker should you buy? US predators are pouncing on British pharma firms - should you enter the fray?
How can you tell where the best investment opportunities lie amid all this controversial deal-making in the pharma sector? Stock experts explain the main issues that potential investors need to know about the industry and offer their share tips. For those lured by the money-making prospects of pharma but who prefer not to invest directly in stocks, we also profile a specialist healthcare investment trust.
Rule Britannia: Five 'Best of British' shares to invest in - from high fashion to manufacturing
As the Queen celebrate one of her birthdays this week, we pick some crown jewel shares that could give your investment portfolio a taste of the best of Blighty. The are star names picked from the many British companies that have developed world-renowned businesses and products.
Twelve of the best fund managers to watch: Inspired, determined, sometimes just sheer bloody-minded - should you back high conviction investors?
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.
Click through latest investing ideas
GUIDES & TOOLS TO HELP YOU INVEST
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. ...read
How to invest in funds, investment trusts and ETFs - and save money as a DIY investor
Fund investing helps many small investors strike it rich and it helps balance your risks. Find out what funds and investment trusts are, how to invest - and save money with a DIY investing platform.
FUND AND SHARE TIPS & PERFORMANCE
M&G; OPTIMAL INCOME FUND: 'The only game in town' for those in search of a winning bond strategy
These have the flexibility to switch between investment-grade corporate bonds, high-yield debt and government bonds, depending on the weather in a particular market. Jason Hollands of broker Tilney Bestinvest believes 'they are the only game in town' for bond investors. Hollands likes the colossal M&G; Optimal Income Fund
FUND TIPS: WHERE ARE THE HOT INVESTING OPPORTUNITIES?
- Fidelity Global Dividend: Fund trawls for opportunities worldwide and has returned 56% since its 2012 launch
- AXA FRAMLINGTON BIOTECH: High risk - and rewards - in the genes for fund boss Linden Thomson
- BRITISH ASSETS TRUST: After 116 years of steady play, the trust is set for huge changes
- M&G; EPISODE INCOME: Investing across bonds, shares and cash to deliver steady returns
- BRITISH ASSETS TRUST: After 116 years of steady play, the trust is set for huge changes
- Axa Framlington UK Select Opportunities Fund: It may be worth £4.4bn, but unwavering boss says size doesn't matter
- Fidelity Global Dividend: Fund trawls for opportunities worldwide and has returned 56% since its 2012 launch
TOP DIY INVESTING PLATFORMS
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CHECK YOUR INVESTMENTS
Investing: don't miss
- The Diary of a Private Investor Biotech stands accused of being a bubble but I'm holding on for now - and making money
- Is 2015 the turning point for a 100 years of rising prices? The investments that perform best during periods of low inflation and deflation
- Would you invest in this forest? Investors promised 20% returns from an eco village in Norway Here's the truth
- WATCH: The Investing Show What next for the Footsie, buy-to-let returns, and how to invest when markets are riding high
- The investments that perform best during periods of low inflation and deflation Is 2015 the turning point for a 100 years of rising prices?
- Couple face £25k bill after Capita posted £1.5million of share certificates by second class post - and they never arrived
- THE MINOR INVESTOR: An honest look at a year's investing And the mistakes that I made along the way
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How to invest for income with shares and bonds
We get a fund manager's tips for investors
Sponsored - Strategic bonds offer good returns, but is the money protected? The Investment Clinic answers
- Should you invest in a dynamic duo? The fund manager partnerships delivering super returns for investors
- 'I invested £4k in peer-to-peer lending' Fed-up savers turn to riskier investments: We weigh up the alternatives tempting them
- Star fund manager Neil Woodford increases size of his new fund by £300m Strong savers' demand
- How the new silver spenders can help make us all rich As pensions revolution unlocks billions...
- Novice investors struggle with investing charges Just two of top 21 leading platforms provide a clear cash figure for fees
- How to save and invest for your children - and some of the best funds to pick We take a look at the ways you can use
- M&G; OPTIMAL INCOME FUND Is it really 'the only game in town' for those in search of a winning bond strategy?
- SMALL CAP SHARE IDEAS: New funding for Allergy Therapeutics Driven towards a potential breakthrough in the US market
- MIDAS SHARE TIPS UPDATE: Tell Sid to keep a close eye on the BG share price 'BG was my first tip when I started writing Midas in 2006'
- How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms We pick some of the best.
FUND AND TRUST IDEAS
- FIDELITY CHINA SPECIAL SITUATIONS: Fund has all bases covered as China wakes up to insurance
- M&G OPTIMAL INCOME FUND: 'The only game in town' for those in search of a winning bond strategy
- MONKS INVESTMENT TRUST: Old managers ousted and half the portfolio jettisoned in new drive for growth
- BARINGS GERMAN GROWTH: German fund hopes for boost from super Mario's bond plan
- M&G EPISODE INCOME: Pension freedoms mark a brand new Episode in how income is provided
- EDINBURGH WORLDWIDE INVESTMENT TRUST: Meet Douglas Brodie, the man who's always on the lookout for disruptive influences...
- INVESCO PERPETUAL UK STRATEGIC INCOME: Market-beating fund hunting dividends and growth run by Woodford's successor
- LIONTRUST ASIA INCOME: Pair aim to serve up lion's share of Asian dividends
- GUINNESS GLOBAL INNOVATORS: American fund drums up interest this side of the pond
- JPMorgan Claverhouse Investment Trust: War chest helps trust to raise payouts in good times and bad
- Fidelity Global Dividend: Fund trawls for opportunities worldwide and has returned 56% since its 2012 launch
- AXA FRAMLINGTON BIOTECH: High risk - and rewards - in the genes for fund boss Linden Thomson
Long-term savings
Latest money predictions
Latest from Markets
- Blow for the City as HSBC looks at leaving the UK - but could bring back famous British banking brand Midland
- Bosses pay row shakes up HSBC as almost a third of shareholders refuse to back lavish awards handed to top staff
- Shares in Intesa Sanpaolo slump as Italian bank is rocked by hoax claim about boss
- Government now holds less than 21pc of Lloyds as Treasury sells another chunk of its stake in state-backed lender
- French Connection flailing as fashion retailer issues trading warning
- AstraZeneca admits sales have been hit by copycats as it beats off investor rebellion over boardroom pay
- US mega-merger scrapped as Comcast and Time Warner Cable pull plans for £30bn deal
- The flash crash has been blamed on a Hounslow trader, but Michael Lewis says it's high frequency traders we need to beware
- FTSE CLOSE: Footsie posts modest gain as euro supremos get cranky with Greece in Riga; HSBC up 3% on news it might quit London
- Treasury offloads further 1% stake in Lloyds and raises £500m in the process
HOT TOPICS AND PREDICTIONS
DON'T MISS...
- Our savings picks This is Money's five favourite best buy cash Isas for 2015
- BEST BUY ALERT! Paragon Bank fires to top of best buy tables after upping rate on two fixed-rate savings accounts
- Halifax and Santander win waves of new current account customers Barclays is clearest loser, switching data shows
- Saver wins compensation from a building society after it fails to inform them of a rate cut Can you?
- The best and worst overdrafts revealed As Co-op Bank improves its offering for customers in the red, how does it compare?
- Lloyds TSB told me I needed a packaged account to get a chip and pin card which I've found is untrue Can I claim fees back?
- BEST BUY ALERT! Shawbrook Bank launches new best buy one year fixed-rate cash Isa
- Barclays unveils Blue Rewards current account add-on Offers £12 monthly bonus to take on cashback rivals - is it any good?
- How a sinister new twist on those phone call scams cost Jenny £4k She thought bailiffs were about to burst into her business
- Metro Bank aims to create extra 3,300 jobs by 2020 We visit its 'university' to unlock the secret to its customer service success
- Nationwide's new cash Isa pays 2% But it's a regular saver that will accept a maximum of £1,270 a month...
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
- From buy-to-lets to a speedboat Advisers reveal how pensioners are using their new freedom with some asking for the whole pot
- I'm poor at picking investments, don't want an annuity, and don't want to pay for advice... So what should I do with my £100k pension pot?
- How much will you pay to free your pension? Online calculator from Which? helps you work out tax on withdrawals
- Red alert against fraud I'm being called and emailed by a firm offering 'pension advice' - is this real or a scam?
- SAM DUNN No revolution can ever take place without casualties - but early signs for pensions looking good
- Why you SHOULDN'T take a lump sum from your pension Savers could be £64k better off and pay less tax
- Will you get a boost from the flat-rate state pension? We reveal the winners and losers
- GEORGE OSBORNE It's right you have this new pension freedom - after all, it is YOUR money
- Ten tips to navigate the pensions maze How to get a wealthier retirement thanks to new rules
- Do you know your annual allowance from your enhanced annuity? A jargon busting guide to the language of pensions
- Pension revolution Beware the £240 charge for using your pension like a cash machine
- Doctors said Michael would be dead in a year But Legal & General didn't believe him and refused his £500k life insurance claim
- Should you cash in your pension to become a buy-to-let landlord? Or is it better to keep your retirement savings invested?
- Paying for your funeral today Watch out for exclusions in pre-paid plans that can leave your family facing extra bills
- Pay your carer a pension or face a £400 fine Watchdog's chilling threat to the elderly and disabled
- JAMES CONEY: Insurers finally admit best way to get savers interested in pensions is talking in normal language and offering simple choices
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 25 Apr 2015. | ||
Euro | 1.3679 | Buy Now |
US Dollar | 1.4849 | Buy Now |
Australian Dollar | 1.8752 | Buy Now |
Canadian Dollar | 1.7827 | Buy Now |
Chinese Yuan | 8.968 | Buy Now |
Croatian Kuna | 10.165 | Buy Now |
Czech Koruna | 36.771 | Buy Now |
Danish Krone | 10.001 | Buy Now |
Egyptian Pound | 10.836 | Buy Now |
Hong Kong Dollar | 11.319 | Buy Now |
Hungarian Forint | 398.8 | Buy Now |
Japanese Yen | 175.6 | Buy Now |
Malaysian Ringgit | 5.1856 | Buy Now |
New Zealand Dollar | 1.9329 | Buy Now |
Norwegian Krone | 11.371 | Buy Now |
Polish Zloty | 5.3348 | Buy Now |
Singapore Dollar | 1.9621 | Buy Now |
South African Rand | 17.797 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Krona | 12.528 | Buy Now |
Swiss Franc | 1.3975 | Buy Now |
Thai Baht | 46.878 | Buy Now |
UAE Dirham | 5.3966 | Buy Now |
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