Want to buy a tracker fund with a bit of extra bite? Regular trackers simply clone the performance of the world's biggest markets without trying to beat them, but so-called 'smart trackers' try to stack the odds in investors' favour and don't charge that much more. The idea is that 'passive' index investors gain a strategic edge in the markets, but avoid the expense of employing 'active' stockpicking managers.
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LATEST SHARE TIPS
MIDAS SHARE TIPS: With its no-frills approach to fitness and healthy earnings, Gym Group is on the up
The British are growing bigger. According to Public Health England, a Government agency that aims to protect and improve good health, two-thirds of adults and a quarter of children under ten are overweight or obese and the trend is only getting worse. The impact on the National Health Service is immense and the Government is worried. The Gym Group is doing its bit to make people move more and eat less. The only fitness chain quoted in London, the company floated last Monday at 195p. The shares had a good week, closing at 202½p, but they still offer plenty of potential. Gym Group is different to most of the UK's other fitness clubs because members join for just a month at a time and can even do so for a day if they feel like it.
DIY INVESTING ESSENTIALS
ESSENTIAL INVESTING NEWS & VIEWS
How to get big firms to pay all your bills: Invest right and the dividends will take care of your expenses
We're going to show you how you can get these big firms to pay your bills for you so you never have to fork out of your own pocket again. All it takes is a little savvy investing.The first step is to set up an investment Isa account so you can buy shares, which is easily done through a fund supermarket such as Hargreaves Lansdown or a bank such as Halifax.
Could you improve your family finances in just three-and-a-half hours? The tired parent's guide to getting essentials sorted
Sandwiched between the 'baby boomers' and the younger 'millennials', tired parents represent an emerging lost generation of people aged between 35 and 44 who are not saving and feel disengaged from the personal finance world. Can you find three and a half hours this month to get your finances sorted, asks Holly Mackay. Here is how you could do three simple things to revitalise your finances:
THE MINOR INVESTOR: Emerging markets look cheap, so why am I not diving in?
If there's one thing that ties together the ragbag mix of stock markets placed under the emerging markets banner, it's that many look pretty beaten up right now. For those of us of a contrarian investing disposition, who like a promise of future growth at value prices, emerging markets look tempting. Yet, still I hesitate...
Peter and Jane and the £300 Ladybird: Millions were printed, but iconic books soar in value in centenary year
For many people now in their 40s, 50s and 60s, bedtime as a child often meant being read an extract from The Three Little Pigs, The Magic Porridge Pot or The Elves And The Shoemaker. Indeed, they have gone on to read these same stories to their own children or grandchildren. Without internet distractions, Ladybird books also kept children entertained during the day - with a Book Of Things To Make and the series of How It Works and Adventures From History. Helen Day (pictured) owns 1,500 Ladybird books and runs a dedicated website.
Why Britain's top fund guru Neil Woodford is BUYING shares when everyone else is selling
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.
We trust fund bosses with hundreds of billions of pounds... that's why they should be savings champions, says JAMES CONEY
Our money gives these fund managers enormous power. For every share they buy, they get a right to vote on that company - and when you buy as many as they do, you have a very loud voice. They could be advocates for social responsibility; keep outrageous executive pay in check; campaign for transparency and better corporate practices. ...read
How to start investing in funds - and the vital things you need to consider
Choosing the right shares to invest in yourself can be complicated and time-consuming, which is why funds are one of the most popular routes into investing. Investment funds are a good place to start for new investors - or an option for those already investing who want an easier life. We explain what you need to know about them.
May the force be with you: How to turn modern stamps into investments as new Star Wars heralds Darth Vader special issue
Star Wars blazes back on to cinema screens this December with The Force Awakens. To mark the occasion, Royal Mail will be issuing a set of Darth Vader stamps. A dozen 63p Star Wars First Class stamps - featuring characters such as Princess Leia and the Dark Lord himself - will go on sale in nine days' time. But despite their huge collectable appeal, modern stamp issues usually fall in value after release as so many get printed. ...read
Should you buy in the Lloyds share sale? What investors need to know - and why £1,000 invested could get you £200 back
A 'buy ten, get one free' deal and a 5 per cent discount to the stock market price will be on offer when shares in Lloyds are sold off. Broker Hargreaves Lansdown claims this offers an investor buying £1,000 worth the potential for £200 back in a year, thanks to the discount, bonus and potential dividend. So is that worth taking?
Lloyds bank owed 75-year-old Philip £75,000 compensation for ploughing his life savings into risky investments - so why was it taking HIM to court?
Last month, a judge ruled that Lloyds Bank was wrong to have recommended that Philip Impey and his late wife, Gillian, put a £540,000 nest egg into risky investments. She ordered the bank to refund the couple's losses, plus interest. But Lloyds decided to take Philip to the Court of Appeal to get the decision overturned. It backed down only when Money Mail intervened. ...read
Will you really make money from the stock market if you invest for the long-term - and do investors have to commit to five, ten or twenty years?
The rocky performance of UK markets since 2000 has made it more challenging to make money on five-year and even 10-year investing horizons. It's fair to ask whether we should now revise the timeframes we're prepared to invest for to 15 or 20 years. Or perhaps we should be thinking in terms of the rest of our lives?
Are your dividends under threat? Bosses of UK firms could struggle to deliver payouts as profits slide
Adverse currency trends, the commodity price rout and the supermarket price war blew a hole in profits generated by UK plc in 2014. Adverse currency trends, the commodity price rout and the supermarket price war blew a hole in profits generated by UK plc in 2014. Dividend cover is now at its lowest since the worst phase of the financial meltdown in autumn 2009, although it isn't nearly as bad as back then.
The Investing Show: Reliable big dividend shares and the best emerging markets
Richard Hunter screens the UK stock market for shares that pay bumper income that's well covered, in the latest episode of the Investing Show. While Maike Currie, of Fidelity, looks at what next for emerging markets and the best opportunities.
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 the Chinese stock market, nearly halving since its mid-June peak, and raising fears about slowing growth in the world's second largest economy.
The Investing Show: How to invest in bonds safely and dodge the traps
What should you do about investing in both shares and bonds with so many fears over the latter? Christine Johnson, of Old Mutual explains what you need to know. Also on the agenda in this show is a look at the winners and losers on the recent stock market rollercoaster and the thorny question of should the Fed raise rates?
I road-tested 13 of the largest fund supermarkets - and the best platform for your investment is...
Self-investing via an online fund supermarket 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 and hold them inside a tax-friendly Individual Savings Account or Self-Invested Personal Pension.
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.
Revealed: The 25 top-performing British fund managers over the last ten years (...and Neil Woodford is only number nine)
While investors' favourite Neil Woodford may have produced some spectacular returns over the past ten years, some lesser-known fund managers have outperformed him, new research suggests. The top 25 beat the FTSE All Share by a significant margin, the study found, producing an average return per annum of 9.8 per cent against 7.1 per cent for the FTSE.
Get ready for Japan's comeback: Fund manager and 'lost decade' veteran Sarah Whitley's tips on growth investing in the Abenomics era
Sarah Whitley joined Baillie Gifford's Japanese investment team in 1982 - she was there for the bubble, the crash, the lost decades, and now what promises to be recovery. Investor interest in Japan is reigniting as the big turnaround project dubbed 'Abenomics' - after ambitious leader Shinzo Abe - starts showing signs of success. Whitley met with This is Money to discuss how she goes about her job, her investing strategy and tips, and what she thinks the future holds for Japan.
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
INVESTING ESSENTIALS
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.
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.
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Investing: don't miss
- How to get big firms to pay all your bills Invest right and the dividends will take care of your expenses
- THE MINOR INVESTOR Emerging markets look cheap, so why am I not diving in?
- We don't have much of a pension but we do have £180k to invest Should we buy shares or funds to get the best retirement income?
- The five lessons I've learned in three decades of investing Fund manager John Husselbee reveals his secrets for sucess
- Peter and Jane and the £300 Ladybird Millions were printed, but iconic books soar in value in centenary year
- 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
CHECK YOUR INVESTMENTS
MIDAS SHARE TIPS
- MIDAS SHARE TIPS: With it's no-frills approach to fitness and healthy earnings, Gym Group is on the up
- MIDAS SHARE TIPS: Follow in the footsteps of the pharaohs with Centamin for golden rewards
- MIDAS SHARE TIPS UPDATE: Island's roaring economic growth helps to put Manx Telecom shares in fast lane with 27% gain
- MIDAS SHARE TIPS: Happy returns as greetings card firm takes on internet threat by keeping running costs low
- MIDAS SHARE UPDATE: Oil price slump hits Plexus, but need for seals to make wells safer will only grow
- MIDAS SHARE TIPS: Prospects look secure as storage firm Lok'n Store's boost to sites helps it deliver record results
- 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
FUND AND TRUST IDEAS
- OLD MUTUAL UK ALPHA: My unloved mega stock picks will come good, insists star investment manager Richard Buxton
- FINSBURY GROWTH & INCOME: Full steam ahead as Train's trust whistles Warren Buffett tune
- JPMORGAN CHINESE INVESTMENT TRUST: Gilded carriage for Xi, but will Chinese equities shine?
- PICTET MULTI ASSET: Pick'n'mix fund that eyes aircraft leases is taking off
- 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
Long-term savings
Latest from Markets
- Dismal sales are a blow for Asda boss Andy Clarke with questions raised over his five-year turnaround plan
- Empty shelves at B&M as discounter runs out of stock because it has been 'opening shops too fast'
- Paris terror attacks lead investors to ditch shares in airlines and snap up stocks in defence and security firms
- Company behind London's 'Cheesegrater' skyscraper reports a 7.5% rise in the value of its portfolio
- Hunger Games distributor Entertainment One hits bullseye as it announces dramatic surge in profits
- MARKET REPORT: Is US components giant Eaton Corp about to make a knock-out cash offer for old rival Laird?
- CITY FOCUS: Why Fifth Avenue is still first... Manhattan's thoroughfare tops the list of world's most expensive shopping streets
- FTSE CLOSE: Footsie posts biggest one-day gain in six weeks as traders set aside global trade worries
- EasyJet posts record profits for fifth year in a row, as it warns of delays due to increased security checks after terror attacks
- Guy Hands’ plate is full with care industry crisis: Four Seasons facing debt mountain woes
HOT TOPICS AND PREDICTIONS
DON'T MISS...
- Our savings picks This is Money's five favourite best buy cash Isas for 2015
- New easy-access account promises to track base rate over the next year But would still offer good value even if it stays at 0.5%
- Why is Barclays using smiley faces for customer queries? Banking giant's new chat service sees staff using emojis to discuss your finances
- My bank branch has asked for my photograph to keep on file Is this a new security measure and is it safe?
- Worst is over for fixed savings as Metro offers 2.4% for 18-months LEE BOYCE gives three reasons why things will get better for savers
- Earn 2.35% on your savings with YBS And help Marie Curie raise £500,000 for more nursing care...
- As banks waste millions on gimmicks, angry savers say: We don't want free dog biscuits - just fair interest
- SAVINGS EXPERT Is it true cash I have to move from my Isa to comply with new FSCS limit has to go into taxable account?
- Victory! Lloyds admits it did rip off Mavis after selling her costly account with perks she could never use
- 'I was duped by the friendly caller with evil intent' Eight scam calls every SECOND as cyber criminals run riot
- Coventry BS launches new three-year Poppy Bond paying 2.35% As it reveals savers raised £12m for Royal British Legion since 2008
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
- Dinosaur plan that should stay extinct Reversion mortgages are no way to protect older homeowners, says JAMES CONEY
- Less Lamborghini, more Honda Jazz! Retirees take an average of £15k each in first six months of pension freedoms
- We don't have much of a pension but we do have £180k to invest Should we buy shares or funds to get the best retirement income?
- Swapping coffees and snacks for pension pot money could help you build a £136k nest by the time you retire
- How the state pension top-up works Is a £1,300-a-year boost to retirement income worth the £22,250 upfront cash?
- 'I'm using one pension to fund a trip to Hong Kong' Six months into the pension revolution, what are your options?
- £152,000 A DAY What conmen snatched from savers in the first month of pensions freedom
- What still puzzles you about the pensions revolution? Savers' top 10 queries revealed - as well as the answers...
- Tell me if you're being ripped off to access your pension - and we'll push providers to cut charges, says Minister
- COMPLETE GUIDE TO PENSION FREEDOM Order your free must-read 28-page booklet
- Is this a good tax trick to boost your nest egg? How pension recycling works (but you would have to tread carefully or risk a fine)
- SIMON LAMBERT It seems the days are numbered for untaxed saving
- Thinking of taking out equity release? Meet the retired couple who must pay Aviva £135,000 to spend their last years together
- Death IS the only escape Pensioners pay 11% of total income tax revenues - and Londoners are the biggest contributors
Currency | Rate | Buy now |
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Updated 18 Nov 2015. | ||
Euro | 1.3985 | Buy Now |
US Dollar | 1.49 | Buy Now |
Australian Dollar | 2.0838 | Buy Now |
Canadian Dollar | 1.9772 | Buy Now |
Chinese Yuan | 9.2901 | Buy Now |
Croatian Kuna | 10.448 | Buy Now |
Czech Koruna | 37.289 | Buy Now |
Danish Krone | 10.285 | Buy Now |
Egyptian Pound | 10.34 | Buy Now |
Hong Kong Dollar | 11.439 | Buy Now |
Hungarian Forint | 426.77 | Buy Now |
Israeli New Shekel | 5.6603 | Buy Now |
Japanese Yen | 183.15 | Buy Now |
Malaysian Ringgit | 6.2624 | Buy Now |
New Turkish Lire | 4.1857 | Buy Now |
New Zealand Dollar | 2.2903 | Buy Now |
Norwegian Krone | 12.811 | Buy Now |
Polish Zloty | 5.8188 | Buy Now |
Singapore Dollar | 2.1036 | Buy Now |
South African Rand | 21.225 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Krona | 12.831 | Buy Now |
Swiss Franc | 1.4967 | Buy Now |
Thai Baht | 52.538 | Buy Now |
UAE Dirham | 5.4323 | Buy Now |