With his first independent fund - Woodford Equity Income - Neil Woodford has turned every £1,000 invested into £1,157 over the past year when his rivals have only managed to make an average £5. Had you put £1,000 into his Invesco Perpetual High Income fund when he took the helm in 1988, you would have had £22,286 by the time he left last year. Holly Black gets his thoughts on the investing world.
Investor essentials and share and fund prices
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Share prices
View all UK shares -
Top movers
Latest risers and fallers -
Company A-Z
Directory of UK shares -
Fund data tables
Thousands of investments -
Economy
Latest economic data -
Market diary
Big events in the City -
Broker views
Buys, sells and holds -
Commodities
Oil and gold prices -
Charting
Compare share performance
MINOR INVESTOR: If you're going to indulge in a spot of reckless investing, a mass sale like Lloyds is probably the best excuse (but here's how the shares stack up)
'Dear Investors, we plan to sell you a stake you already collectively own in a bank you rescued...' is not how the Lloyds share sale offer page starts. Yet, it seems that many will still be taking up the offer, however cynical they are. Their reasons may amount to bad investing theory, but like them I'm tempted.
HOW TO BE A DIY INVESTOR
INVESTING NEWS AND IDEAS
The Investing Show: Reasons to be cheerful and should you buy Lloyds shares?
As the Lloyds share sale sweeteners that could get you £200 back on a £1,000 invested are revealed, we take a look at the bank - along with a fund manager's view that the UK will do well.
Ten questions you need to ask yourself when investing for income in retirement
New pension freedom rules give you greater choice when it comes to retirement income, but with it more responsibility to make sure you don't run out of money in your golden years. We look at ten points to consider when investing income for retirement - from the level of risk you can afford to take to whether it's better to invest for income or growth.
The Diary of a Private Investor: It's too early to call a bear market but it is time to stand back as fear takes over from greed
In August, fear took over from greed as the major emotion playing on investors' minds, writes our columnist John Rosier. It was a poor month for markets with volatility returning as investors fretted about the outlook for world growth and the spectre of deflation. The catalyst was further sharp falls in China.
Stick to your guns: Investors should stay calm in the face of a market correction, says investing expert Paul Resnik
We could be about to witness a market rout, according to the FinaMetrica co-founder, but investors need to stick with their asset allocation and avoid knee-jerk reactions.
Stay within a risk range you are comfortable with and make sure not all your eggs are in one basket.
Spooked by stock market jitters? Protect your portfolio by investing in quality, MAIKE CURRIE highlights what you need to know
Whether you are a bull or a bear, quality companies will give you a reliable return regardless of what is going on in the stock market. The key is to look for strong brands and products that consumers will buy into regardless of the economic backdrop. Our columnist Maike Currie explains the hunt for quality.
Holly Mackay road-tested 13 of the largest DIY investing platforms - and the best for your investment is...
Self-investing via a DIY investing platform is growing in popularity, despite recent stock market falls. But choosing a provider can prove a minefield. Last month, I road-tested 13 of the largest platforms that allow investors to trade shares and funds at the click of a computer mouse - here are the results.
THE MINOR INVESTOR: The best places to invest for the next ten years
New analysis by asset manager Barings, suggests a motley crew of currently struggling markets should deliver the best returns over the next decade. It used productivity, demographics and the availability of credit, alongside current valuations, to forecast how assets will fare between now and 2025. We reveal the results.
How much money do I need to save for my pension? A quick guide to retirement saving...
The amount you can save into a pension ultimately depends on what you can afford - but the longer you leave it the more you will need to save. We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?
INVESTING VIEWS FROM OUR COLUMNISTS
The Diary of a Private Investor: Japan helped in a month of big winners and losers - but should I have cut the fallers sooner?
Two holdings together will have knocked nearly 1% off my performance last month and I have to ask if was I being stubborn in not just cutting the positions, writes our columnist John Rosier. He takes a look at how his portfolio fared in a stormy summer month - and why he bought into new European opportunity Zegona.
DIARY OF A PRIVATE INVESTOR
- Japan helped in a month of big winners and losers - but should I have cut the fallers sooner?
- Why I sold an entire holding and bought back into an old favourite
- The Diary of a Private Investor: It's always nice to have some cash ready to take advantage of a summer storm
- The Diary of a Private Investor: Why doing nothing can sometimes be the best thing
- Biotech stands accused of being a bubble but I'm holding on for now - and making money
- The Diary of a Private Investor: Why doing nothing can sometimes be the best thing
- A correction wouldn't be a surprise but I'm staying invested - and buying miners and Europe
- Why I like investment trusts and think FlowGroup's energy-generating boilers can fuel returns
- Avoiding disasters was as important as picking winners in delivering an 11% return for 2014
- Winners and losers from the best month of the year - and why I like Avation's strong director backing
- The tough decisions to be made when markets slide and fear takes over
MAIKE CURRIE
- How to invest across the generations: Four demographics you can profit from
- The pick 'n' mix strategy for investing in emerging markets: Pick your way selectively through risky - and less risky - funds
- Don't be an investment sheep: Contrarian investment ideas to break away from the herd
- Should you invest in Asia for income? With a growing dividend culture, it could be a sweet spot for UK investors
- Is Europe a basket case or a bargain? What investors need to know and why a Grexit may not matter
- Should you invest in Asia for income? With a growing dividend culture, it could be a sweet spot for UK investors
- The Wall Street party isn't over just yet: Why investors should keep the faith with the US
- Hunting for dividends? MAIKE CURRIE suggests four ways to rethink investing for income
- Want to invest like Warren Buffett? Things you may not know about him but probably should
- Going for growth: From US small caps to India, Ideas to invest for better returns as world economy slows
THE MINOR INVESTOR COLUMN
- THE MINOR INVESTOR: How would you invest a £100,000 pension pot?
- An honest look at a year's investing - and the mistakes that I made along the way
- Prince was right about the party ending after 1999 - but UK shares look good value now
- The wisdom of the crowd or herd mentality? Crowdfunding looks tempting but it pays to tread carefully
- If you want to make money long-term put your trust in dividends - the Rolling Stones of investing
- Is the FTSE 100 finally about to crack 7,000 - and should we even care?
- Is it time to buy on the stock market dips or run for the hills?
- Are shares too expensive to invest? Not in Britain it seems
- Five of the best investing books
- Neil Woodford revealing all is a victory for investors - more fund managers should follow
- Is this as easy as investing gets? The cheap but boring tracker funds that do all the work for you
THE INVESTING SHOW
The Investing Show: How to pick exciting smaller companies - top investment trust manager James Henderson reveals his tips
Lowland and Henderson Opportunities Trust manager James Henderson gives us his tips for picking exciting smaller companies and dividend winners for the long-term in the latest episode of the Investing Show. Also on the agenda is what rising interest rates will mean for investors and what could move shares up as companies report summer results.
INVESTING IDEAS
The 14 best income funds revealed: New White List picks the top choices for dividend investors
Twice-a-year investment firm Sanlam selects its14 best performing UK Equity Income funds based on performance, volatility and income over the last five years. You could have earned as much as £36.50 for every £100 invested if you picked the right UK equity income fund, according to the study. We reveal the list.
Five funds to invest in the best that Europe has to offer - and why British investors are still piling into the continent
Greece's embattled economy and the threat of contagion across Europe dominated headlines over recent months, but despite all the negative press UK investors are piling into the continent. They appear to be happy to overlook the worst Europe has to offer in their hunt for returns from its better prospects. We take a look at why.
INVESTMENT CLINIC: I read that the price of gold has fallen to a five-year low, does that mean now is a good time to invest in it?
Holly Black, of Money Mail, replies: It depends what you think is in store for the yellow metal in the long term. The price of gold - which is measured in dollars per ounce - is down 40 per cent on its 2011 high. Today it stands at around $1,100 (£705), compared to a peak of $1,900 (£1,220). The price was driven so high by fear and uncertainty.
Would you invest your pension pot in a Gatwick car parking space? Spots sold to retirees for £25k promise to pay 'guaranteed' net return of 8%...
As pensions reforms were introduced earlier this year offering workers access to their nest eggs to spend as they wish, retirees are being bombarded with so-called 'opportunities' to spend their cash on unusual investments. Property consultancy PCG Invest says it has 500 parking spaces available at two sites close to the London airport, but to secure one you must already own at least one parking space at Glasgow International airport.
CHECK YOUR INVESTMENTS
TOP DIY INVESTING PLATFORMS
-
TiM exclusive
£12.50 share dealing & no admin fee -
Good for big pots
£80 flat fee with 8 free trades -
Intelligent investing
Try it for free! -
Cheapest trading
0.24% admin fee, £2.50 share dealing -
Packed with features
Free fund dealing, investors' favourite -
Low annual charge
0.2% funds fee and £4.95 dealing -
Easy to use
Free fund dealing, competitive 0.35% fee -
Guidance and tools
0.35% fee, free fund dealing, guidance -
Explore 2,500+ funds
Plus ETFs, UK shares -
Flat fees
£75 per year for Isa or dealing account
Investing: don't miss
- What happened to Thatcher's share ownership dream? It's nowhere near as common as the ex-Tory PM hoped 30 years ago - but does it matter?
- I hold bond funds because I thought they were safe but it seems they include derivatives Aren't these the risky bets that caused the banking crisis?
- May the force be with you How to turn modern stamps into investments as the new Star Wars movie heralds Darth Vader special issue
- Should you buy in the Lloyds share sale? What investors need to know - and why £1,000 invested could get you £200 back
- Hidden dangers of peer-to-peer lending Sick of pathetic rates? Fed up with the big banks? Watch out for the high-tech firms after your money
- Will you really make money from the stock market if you invest for the long-term? Do investors have to commit to five, ten or twenty years?
- I've heard bad news about oil, gold and China recently So is it time to shun or invest in commodities?
- Should you buy in the Lloyds share sale? And why £1,000 invested could get you £200 back Lowdown on Lloyds
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How to start investing in funds - and the vital things you need to consider
We explain what you need to know
Sponsored - The Investing Show: Reliable big dividend shares and the best emerging markets Watch the latest show
- The good things in small packages: Five of the best smaller company funds and trusts Funds tipped to outperform over the longer term.
- How to invest in bonds safely and dodge the traps The Investing Show
- FIDELITY SPECIAL VALUES: Share hunter spots bargains in volatile markets Alex Wright's trust is looking for winners
- Are your dividends under threat? Bosses of UK firms could struggle to deliver payouts as profits slide
- Popular UK equity funds dominate worst performers of the past three years Best place to put your money was smaller companies
- Is India the new China? Targeting the sub-continent's growth potential... A UK fund and an investment trust
- Healthy returns from new 'athleisure' trend as yoga fashions hit the High Street INVESTMENT EXTRA
Investing essentials
- How to pick the best (and cheapest) DIY investing Isa A wealth of choice and changes to charges have left many investors scratching their heads
- How to find the best (and cheapest) Sipp Make more money from your DIY pension
- How to invest in funds, investment trusts and ETFs And save money as a DIY investor
- How to invest in shares Your complete guide to joining the excitement of individual share-picking
- How to start investing in funds and pick the right ones for you The easiest way to start investing is with funds. We explain how to invest.
- What should you know before buying a fund? The DIY investors'guide How to read a fund document and work out what you need
- The importance of asset allocation How to divide investments so your eggs aren't all in one basket
- The cheap but boring tracker funds that do all the work for you Is this as easy as investing gets?
- Clean funds: what you need to know about new investments Is it time to put your dingy old funds through the wash?
MIDAS SHARE TIPS
- MIDAS SHARE TIPS: Looking for a high yield? Hitch up to the black horse bank
- MIDAS SHARE TIPS UPDATE: Luxury student digs tip Empiric Student Property boosts portfolio ninefold
- MIDAS SHARE TIPS: Food outlet firm SSP to really fly at new airports abroad
- MIDAS SHARE TIPS: Elecosoft's clever software is proving popular among almost half the construction firms in Europe
- MIDAS UPDATE: Shares at property group Real Estate Investors soar as Birmingham attracts large companies
- MIDAS SHARE TIPS: Oil pioneer Algy Cluff is cooking on gas with latest venture Cluff Natural Resources
- MIDAS SHARE TIPS UPDATE: China puts hole in chemical firm gains
- MIDAS SHARE TIPS: Ignore the 'bad' news at InterQuest Group - this jobs agent is thriving
- MIDAS SHARE TIPS: Pennon's liquid assets keep the dividends pouring in and shares should rebound after excessive decline
- MIDAS SHARE UPDATE: Our paving stone tip delivers rock solid growth of 185% in two and a half years
- MIDAS SHARE TIPS: Investing abroad is now easier, but is it worth it?
- MIDAS SHARE TIPS: Tasty prospects at convenience store giant McColl's Retail Group as it boosts takeaway choices
FUND AND TRUST IDEAS
- BRITISH EMPIRE SECURITIES AND GENERAL TRUST: New boss takes the helm and sticks with core values
- FIDELITY SPECIAL VALUES: Share hunter Alex Wright spots bargains in volatile markets
- Newton Real Return: Fund aims to deliver 'sensible returns' in both falling and rising markets
- F&C MM NAVIGATOR DISTRIBUTION FUND: Why nothing gets past this 'steady eddie' investment double act
- ARGONAUT EUROPEAN ENHANCED INCOME: Investors could benefit from the robust profits growth of European corporates
- JUPITER JAPAN INCOME: Casio remains a watchword as fund faces fallout from China
- STONEHAGE GLOBAL BEST IDEAS EQUITY: When China sneezes Walt Disney, Visa and Google all catch a cold
- JPMORGAN EUROPEAN INVESTMENT TRUST: Fund makes waves as it looks to Continent for income investors
- SARACEN GLOBAL INCOME & GROWTH: Fund buys into fitness trackers to help build for the long run
- PREMIER MULTI-ASSET DISTRIBUTION: Fund hits the spot as retirees turn backs on annuities
- TELLSONS ENDEAVOUR: Charles Dickens meets Captain Cook in the fund with a simple story to tell
- FARNBOROUGH EQUITY: The tiny £3m fund that has been given a five-star rating by experts
Long-term savings
DON'T MISS
- When even rugby stars are officially 'obese'... How to tackle the high cost of illness cover
- Should you turn off radiators in rooms you don't use or will that drain heat from the rest of the house? Energy saving tips...
- 'Have a clear purpose and be bold about exporting' Food entrepreneur's top tips for a successful start-up
- 'I danced ballet with Beyoncé - and got paid for it' Royal Ballet sensation Eric Underwood on his impulse trip to Ibiza and performing with a diva
- Can Vauxhall's all-new Astra defeat Britain's favourite Ford Focus and the Skoda Octavia? We pitch the all-new family hatchback against two big rivals.
- Which are the 10 best second-hand small SUVs to buy now? Harsh winter predictions pushing up used 4x4 prices...
- How the state pension top-up works Is a £1,300-a-year boost to retirement income worth the £22,250 upfront cash?
- Buy-to-let landlords are benefiting from increased choice and record low mortgage rates... - so where are the best deals?
- Momentum investing isn't just about chasing winners, says RICHARD WEBB... - it can also help you avoid a correction.
- Volkswagen forced to recall 8.5m cars across EU fitted with emissions test-cheating devices... - including 1.2m VWs in the UK.
- The rise of London's emerging 'posh' areas Wealthy young buyers transform previously downbeat areas such as South Acton and Peckham Rye.
- Rents continue to rise and hit record high of £816 a month Those in London paying 12% more than last year.
- Interactive map reveals average credit scores by postcode How well do your neighbours manage their money?
FUND JARGON BUSTER
Acc: Accumulation - any income generated by the fund like dividends or interest is automatically reinvested.
Inc: Income - any income generated is distributed by the fund instead of being reinvested.
Dis: Distribution - any income generated is distributed by the fund instead of being reinvested.
R: Retail - the fund is aimed at ordinary investors.
I/Inst: Institutional - the fund is aimed at corporate investors like pension funds.
A, B, M, X etc: Different fund houses use letters for different things. Check with them what they stand for.
NT/No trail: Some fund houses use this name on clean funds which carry no commissions for financial advisers, supermarkets or brokers, just the fee levied by the fund manager. But other fund houses use different letters - I, D or Y, for example - so you need to find out for yourself which are clean funds.
Gr: Stands for gross.
GBP/£: Fund denominated in pounds.
EUR: Fund denominated in euros.
USD/$: Fund denominated in US dollars.
Compiled with online stockbroker The Share Centre
TOP DIY INVESTING PLATFORMS
-
TiM exclusive
£12.50 share dealing & no admin fee -
Good for big pots
£80 flat fee with 8 free trades -
Intelligent investing
Try it for free! -
Cheapest trading
0.24% admin fee, £2.50 share dealing -
Packed with features
Free fund dealing, investors' favourite -
Low annual charge
0.2% funds fee and £4.95 dealing -
Easy to use
Free fund dealing, competitive 0.35% fee -
Guidance and tools
0.35% fee, free fund dealing, guidance -
Explore 2,500+ funds
Plus ETFs, UK shares -
Flat fees
£75 per year for Isa or dealing account
INVESTING TIPS AND OUTLOOKS
Dumb tracker, cheap do-it-all fund, or smart beta? Passive investing has never been cheaper, here's how you can track the market
Passive investors have never had it so good. Costs are falling at the same time as their opportunity to tap into markets increases. But it's not just about tracking a market anymore, smart beta combines passive approaches with active allocation and ready-made passive portfolios are also being snapped up. So what does a good tracker look like?
Investor essentials and share and fund prices
-
Share prices
View all UK shares -
Top movers
Latest risers and fallers -
Company A-Z
Directory of UK shares -
Fund data tables
Thousands of investments -
Economy
Latest economic data -
Market diary
Big events in the City -
Broker views
Buys, sells and holds -
Commodities
Oil and gold prices -
Charting
Compare share performance