Which? finds holes in financial adviser credentials listed on search sites

Which? found glaring holes in what qualifications advisers claimed to have and what they officially held during spot checks of listings on two specialist search sites. People considering using a firm of advisers should ask about their qualifications, then approach the professional body that offers them to confirm the details, Which? suggests.

I'm a financial adviser, whose clients - a retired couple - have suffered extremely poor service from Santander. In early 2016, the wife held about £160k of shares in a Santander unit trust.

Instead of heading for a bank or building society with a savings pot, what if you decided to buy some fine wine, a racehorse, some woodland or a shotgun as an investment?

How £10K invested in shares beat cash savings by £90k over 30 years

While the stock market goes up and down, when it comes to investing it seems that it's worth playing the long game. A £10,000 investment in the FTSE 100 in 1986 would now be worth an impressive £126,867. If you had left the same amount in an average savings account, it would be worth £28,196 - almost £100,000 less.

Should investors worry about the US election, banks and a hard Brexit?

Investors are carefully eyeing up the prospects for the US election, while also worrying about European banks and a 'hard Brexit'. Do they need to be concerned? On the latest Investing Show we take a look at the trends of the past year, the outlook for the future and how to invest for it.

MIDAS SHARE TIPS: Wind blows in right direction for power group Good Energy 

In 1994, Juliet Davenport was a young graduate, with an Oxford degree in atmospheric physics and a masters in economics. Five years later, she set up Good Energy Group, which was designed to allow homes and businesses to be powered with locally produced renewable energy. Today, Good Energy is listed on AIM and has 115,000 domestic gas and electricity customers and 4,000 business customers.

Science in Sport makes specialist products used by tennis star Andy Murray, Tour de France champion Chris Froome and 40 Premier and Football League clubs.

Threadneedle UK Property, run by Columbia Threadneedle, will re-open its doors tomorrow, as will Henderson UK Property in October. Aviva, Standard Life and M&G; funds remain closed.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

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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

Tracking: Following an index is cheaper than an active fund and often more successful

Tracker funds are ideal for those who want to invest but don't want the hassle of picking shares or cost of a fund manager, who is unlikely to outperform the market.

The tortoise and the hare: Passive investors believe that slow and steady wins the race, while active investors chase market-beating returns.

Fund investing helps many small investors strike it rich. Find out what funds and investment trusts are, how to invest - and save money with a DIY investing platform.

Dip your toe into the stock market: Before you start, you need to ask yourself why you want to invest

Want to beat the interest paid out on many high street accounts - and turbo-charge your money for the future? Then it's time to dip your toe into the stock market.

How to find the cheapest DIY model portfolios or online wealth manager

If you don't want to do all the legwork fund selection involves you can access model portfolios and digital wealth managers that find suitable products, but how do you weigh up their costs? We take a look a some of the most popular options and reveal the costs associated with letting a platform build and run a fund portfolio for you.

Passive investors have never had it so good. Costs are falling at the same time as the opportunity to tap into markets increases. But what does a good tracker look like?

These are ideas that I have gleaned magpie-fashion from investors whose wisdom seems to shine the brightest, says Simon Lambert.

UK's top fund manager: 'We are having to hunt around for growth'

Mark Slater says that he was already unimpressed by the levels of growth coming out of the UK - so Brexit hasn't changed his view. He increased his domestic stock exposure as they got cheaper, although he admits that the full effects of the vote to leave are not yet known.

Smith has sold his stake in FTSE 250 investment company Tullett Prebon, where he was chief executive until August 2014, and ploughed the cash into his own Fundsmith.

When it comes to investing, high charges don't necessarily mean bad value. But no one wants to be ripped off by a fund manager whose charges eat into your savings.

Share prices have recovered from the depths plumbed in the immediate aftermath of the Brexit vote, though most are still more than 10 per cent shy of their pre-referendum valuations.

Is it still possible to have a 'traditional' stockbroker? My dad used to have one who he'd ring up when he wanted to change his portfolio, and who would call him from time to time with tips.

You'd be forgiven for finding the plethora of peer-to-peer options slightly bewildering. We look at the key players, how they compare and what they offer investors.

Have a rummage and you may discover that among the day-to-day essentials is the odd shrewd investment - from pens to watches. Simon Gray (pictured) owns a vintage pen shop.

Are investment trusts MORE expensive than their open-ended rivals?

Investment trusts are often said to be cheaper than then their open-ended rivals. But when fundhouses offer similar closed and open-ended mandates, new research suggests that trusts tend to be more expensive. It's a side-effect of OEICs getting cheaper post-RDR.

Outstanding investment managers who beat UK markets in a tumultous decade of boom, bust and recovery are celebrated in a new league table - topped by Mark Slater who runs MFM Slater Growth.

Moneybox will round up spending on small items on your credit or debit card to the nearest pound and save the extra cash on your behalf, just like a piggy bank.

Trackers added to the list of recommended funds include Legal & General UK Index, which is priced at 0.06 per cent a year and can't be got cheaper anywhere else, according to Hargreaves.

Investors pulled £1billion out of funds in July. It follows an exodus in June as nervous savers took £3.5billion out of investment funds.

Two mini-bonds launched by a firm called Providence Financial have hit the skids leaving nearly 1k investors facing a nervous wait on whether they will receive any of their money back.

The £24billion takeover of ARM Holdings by Japan's SoftBank may be bad news for Britain's tech industry but it has got investors very excited about the prospects of other takeovers.

Nervous investors have been flocking to absolute return funds - hoping to shelter from stock market turbulence. But while these funds aim to make money, there are no guarantees.

The £24billion takeover of ARM Holdings by Japan's SoftBank may be bad news for Britain's tech industry but it has got investors very excited about the prospects of other takeovers.

As the £5 note goes plastic interest in early banknotes is set to rise

The new note will be phased in so that by May 2017 it will have replaced the old fiver altogether - shops will then stop accepting paper £5 notes as legal tender. The Royal Mint is replacing the £1 coin from next March in a bid to beat fraudsters - as one in 30 £1 coins is believed to be a counterfeit.

As passive providers fall over themselves to cut fund fees, it seems reasonable to conclude cheaper investing is nothing but a positive for the end customer. But is there more to it than that?

This country possesses a vibrant fund management industry, providing investors with all the tools to build long-term wealth. Yet not everything is hunky dory.

My fight to shield savers from the City pickpockets: Fund manager accuses industry of

The finance industry is fabulous at making money for itself, but pretty rubbish at creating wealth for the people it is supposed to serve: small savers and investors like you and me. That's the view of former fund manager David Pitt-Watson, who speaks with the authority of a man who has spent decades inside the charmed City circle.

Woodford, one of the UK's most respected stock pickers, will be the first leading fund manager to speak out on the problem of pension fund black holes.

The first thing to say is that with investing, you can never guarantee that you won't lose any money. The very nature of investing means taking that risk.

The move comes as Prime Minister Theresa May last month announced plans to crack down on 'corporate irresponsibility' by giving shareholders a binding vote to block excessive bonuses.

US investment bank JP Morgan, a major donor to the Remain campaign, had warned before the referendum that British share prices would fall in the event of Brexit. But now it likes UK shares.

When the pound is weak against other currencies, British companies that do a lot of business in foreign countries get a boost.

I want to acquire a single UK share as a gift for a friend. I don't want an account, or any kind of fees, costs or charges thereafter for holding or admin. Is it possible?

Are you crazy about classic cars or fanatical about fine wine? While many collectors can find their hobby is draining their cash, the most savvy have turned their passion into a tidy profit.

Companies in the UK used one-off special dividends to make up a shortfall in regular payments, according to the report by asset manager Henderson Global Investors.

Can you tot up financial losses correctly? Take the quiz

Many people under-estimate financial losses and the difficulty of breaking even again afterwards because they struggle with the maths - are you among them? We're running five questions, first posed to some 3,500 people by a University of Stirling researcher, so This is Money readers can see if their arithmetic is better. Take the quiz and find out...

Figures from investment brokers show the amount being pumped into gold investments this month is around three times as high as a year ago.

Pension firm AJ Bell is revamping its rates on October 1 and Hargreaves Lansdown is cutting its rates on September 10. Some AJ Bell savers will pay up to £300 a year more, others may pay less.

After the EU referendum, there was a bit of a panic that property prices could fall. A lot of property fund investors started trying to get their money out, leading some of those funds to suspend trading.

Toby Walne tracks down traditional games to be played this summer that not only pass the test of time, but can also prove shrewd investments.

Hedge fund caught short as doom-monger Crispin Odey is the WORST performer in 2016 but

Odey shot to fame after predicting the financial crash and making huge profits on collapsing bank shares. But his more recent forecasts of doom have so far failed to materialise and his flagship €730million (£628million) fund is languishing at the bottom of the rankings. HSBC said in a performance review released earlier this month that Odey's European fund took the wooden spoon after plunging by 29.2 per cent between January 1 and July 29.

Seven years of measly returns and the added insult of the recent Bank of England base rate cut are squeezing savers' returns until the pips squeak. Had enough? Then seek a better deal elsewhere.

When the Bank of England cut interest rates, it wanted to encourage investors to take 'more risk' with their money, we take you through the options and how risky they are.

To counter claims hidden costs unfairly subtract from investment returns, detailed analysis of fund performance between 2012 and 2015 was released today by the Investment Association.

Many investment trusts are still reeling from the shock of Brexit, but not Murray International. The trust's style was out of favour last year but it has bounced back, with its low exposure to the UK proving a boost.

Advisers are concerned stimulus measures from the Bank of England have given markets an unsustainable sugar rush and moving to lock in gains for pension savers in case of a slump.

The strong performance of investment trusts' share prices post-Brexit has led to a fall in the proportionate level of income they can pay out. Just 14 trusts now pay a yield of 4 per cent or more.

What are the investment prospects for the top 10 Olympic countries?

As global attention turns to Rio for the Games of the XXXI Olympiad, what are the prospects for investors in the world's most powerful Olympic sporting nations? Fund managers, CIOs and analysts give their top pick of the investment opportunities in the 10 countries which topped the medal tally in 2012.

So intense is demand that this week a site launched offering individual savers access to big corporate bonds for as little as £100. Traditionally these have been a good way to get an investment income.

Investors spooked by Brexit and property fears pull £3.5bn from funds in June

Investors cashed in their investments to the tune of £3.5billion in June as the fear and subsequent realisation of a Brexit vote took its toll on confidence and the markets. Investors' rush for the exit eclipsed that seen at the height of the financial crisis, even taking into account total assets under management are about twice as high now.

In an effort to shore up the economy against a probable recession following the Brexit vote, the Bank wants businesses to keep borrowing, investing and hiring people.

Not everyone was pleased by the Bank's decision to cut rates. So which parts of the market will do well, which will do badly - and should investors alter their asset allocation or sit tight?

Since Dale Nicholls took over at the Fidelity China trust, he has delivered strong performance. We find out why he thinks China is a good prospect, despite volatility and gloom

Sometimes, good managers have a bad spell because their style is out of favour. Here are four funds that have short term underperformance but could be long term winners.

Get your AIM right and you could make a mint! Experts take their pick of the risky firms

AIM companies tend to be smaller businesses, often start-ups or specialists in niche areas. The rules and regulations for listing on this stock market are less stringent than for the FTSE. And all of that makes investing in this area incredibly risky. But among the 1,000 or so companies on AIM, there are some gems.

How should investors position themselves post-Brexit? Kames Capital CIO Stephen Jones explains some adjustments you can make to help maintain an income stream.

UK dividends are likely to fall over the next year or two but Evenlode Income manager Hugh Yarrow has picked 10 stocks that can maintain and steadily grow their dividends.

Numis has upgraded its stance on Hochschild Mining from 'hold' to 'buy' and lifted the target price on the stock from 220p to 290p. Shares are currently 267.8p.

M&G;, Aberdeen and Invesco Perpetual have all been named as having some of the worst performing investment funds in the latest Spot The Dog report by Tilney Bestinvest.

US stocks' 2% income with growth is 'best in a bad neighbourhood'

While buying into US companies may look expensive, Schroders' Alan Straus says that in today's world that is simply the price you have to pay. He is tackling the issues created by low global growth through investing in tech companies like Facebook and Amazon.

Shareholder payouts will increase by £4.2billion this year, according to the latest dividend survey by the financial services division of outsourcing giant Capita.

The takeover of ARM could net investors £17 for each share they own. But one broker recommended selling the stock for £6.50. Was there really any way to know that the deal was going to happen?

LONDON, ENGLAND - JULY 15:  An Oddish Pokemon character appears in front of a London taxi during a game of Pokemon Go, a mobile game that has become a global phenomenon, on July 15, 2016 in London, England. The app lets players roam using their phone's GPS location data and catch Pokemon to train and battle.The game has added millions to the value of Nintendo, which part-owns the franchise. (Photo by Olivia Harris/Getty Images)

Gutsy long-term investors who backed British chip-designer ARM are in line for a huge windfall, while Pokemon Go has sent Nintendo shares soaring. How can you unearth future tech stars?

Some investment trusts have delivered 50 successive years of annual dividend growth and a key component of that is the boards that oversee them.

Shares tipped to do well thanks to a Brexit tourist boom in Britain

A weak pound could see holidaymakers flock to these shores and more Brits deciding to spend their holidays in the UK. If that happens, then firms which provide for days out should soar. The firm, which runs Thorpe Park, Madame Tussauds and Legoland, is the largest theme park operator in the UK and one of the few leisure stocks which has rallied since the referendum result.

Not only has Brexit cast a shadow over the UK, it has considerably added to the woes of mainland Europe. In this environment, investing in the US may look attractive.

Overseas equity investments and exposure in foreign currency helped boost investment trusts' fortunes. Woodford Patient Capital saw June's sixth- biggest decline in share price.

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 FUNNY FACE, Audrey Hepburn, 1957
 FUNNY FACE, Audrey Hepburn, 1957

Matthew Haley, head of books and manuscripts at auction house Bonhams, says that authentic letters by famous or noted people have appreciated in value in recent years.

A businessman working using calculator in an office.



Image by Ocean/Corbis

Profits dropped by more than half to £76.4billion at the UK's top listed companies, but dividends rose to £78.4billion, meaning they paid out more to shareholders than they made in profit.

I invested £5k in Providence mini-bond offering 8.25% interest – should I be worried that

I opened a Providence mini-bond in November 2014. However, this quarter, I have not received my 8.25% interest payment. Should I be concerned?

Lightning brightens the sky near the Houses of Parliament, in London.

please credit- J.Buller/BBC Weatherwatchers

In echoes of the financial crisis, the £3.9bn Henderson UK Property and £1.4bn Threadneedle UK Property funds were 'shuttered' as savers rushed to the exit doors.

Can I buy a fund that will do all that work for me? Maria Municchi, investment specialist at M&G;, answers a common question

Investing in property through peer-to-peer lenders is increasingly popular as disillusioned savers scrape around for somewhere, anywhere, to put their money to earn a decent rate of interest.

The peer-to-peer lender RateSetter prides itself on the fact not a single one of its customers has yet lost so much as a penny investing with it - but is this about to change?

Why you should never gamble your pension on property funds

Peter and Sandra Whiston, both retired and in their 70s, who were mis-sold a risky property investment have been left £43,000 out of pocket after their financial advisers used a legal loophole to wriggle out of paying compensation. The Whistons are being forced to go through the courts by Positive Solutions, one of Britain's biggest advice firms. The company admitted it was 'negligent' and 'wrong' to have recommended they put their £104,000 savings in a property fund that was too risky for their needs.

Stock Trader Clutching His Head in Front of a Screen Showing a Stock Market Crash.

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The FTSE 100 might be the most famous index of UK shares but it doesn't actually give much insight into the state of the UK economy.

Fidelity says its Select 50 list has been created in response to customer demand for a high conviction, easy to navigate selection of best fund ideas across the investment spectrum.

The emerging market boom has largely fizzled out, but experts are singling out India as a good area to invest in now. Its economy is predicted to grow 7.6 per cent a year over the next three years.

ETFs are growing in popularity. But unlike most active funds, they can be confusingly named. Many are domiciled in other countries and currencies - does this matter?

File photo dated 6/11/2015 of an Aviva branded flag as the company has suspended trading in its £1.8 billion property fund as investors scramble to pull their money out of UK commercial property holdings following the Brexit vote. PRESS ASSOCIATION Photo. Issue date: Tuesday July 5, 2016. The move follows Standard Life Investments, which made the same move on Monday, halting dealing in its £2.7 billion UK Real Estate fund. See PA story CITY Aviva. Photo credit should read: Andrew Matthews/PA Wire

The £2.9billion Standard Life real estate fund has suspended all trading for a minimum of 28 days. The move comes as concerns grow that Britain may be heading for a sharp fall in property prices.

Standard Life, Aviva and M&G property funds lock savers in

Investors were given a painful reminder of 2008 this week, when Standard Life Investments, Aviva and M&G; suspended trading on their property funds. So should property investors be concerned, are we seeing a repeat of 2008, and is investment in property through these open-ended funds a good idea?

The rollercoaster begins for investors: Our top tips to avoid knee-jerk reactions

The stock market may have fallen sharply on Friday morning following confirmation that the nation had voted to leave the European Union, but it made good some of its early losses by the time it closed. If you do not need to access your long-term investments for a pressing financial need, experts are encouraging investors to bite their lips and see out the market froth.

A trader touches his head as he works on the floor of the New York Stock Exchange (NYSE) in New York, U.S., June 24, 2016. REUTERS/Lucas Jackson

The FTSE 100 fell 7 per cent as it opened yesterday, but it quickly regained much of that ground as investors realised they had overreacted.

The UK's top fund managers have spoken out on Brexit with a mixture of soothing advice, lessons from history and blood-curdling warnings about future recessions here and in the US.

The UK's momentous vote to quit the EU has sparked warnings from investing experts to sit tight during the immediate market panic after the shock result.

The gold price in sterling jumped 20 per cent to more than £1,000 at one point, before settling back to around £940. The rise in dollar terms was a more modest 3 per cent.

BBC's Paul Lewis challenges conventional investing wisdom after 21 years of study

Saving in best buy cash accounts over the past two decades beat putting your money in a FTSE 100 tracker the majority of the time, according to research by BBC Money Box presenter Paul Lewis. The high profile financial journalist carried out a huge study on conventional wisdom that investing in stocks is more rewarding than saving over the long term.

Britain's Chancellor of the Exchequer George Osborne attends the inauguration of the ceremonial market opening of the London Stock Exchange in London, Britain June 16, 2016. REUTERS/Stefan Wermuth

Savers who sign up to the new Lifetime Isa and put money into it instead of a pension could be hit by big annual management charges, experts warn - and be left thousands of pounds short.

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Investors may have profited richly from some of the AIM markets brightest stars but they've been warned to tread carefully as for many it has been 'a graveyard of failed ambition'.

The highly popular Woodford Equity Income fund - which dominated bestseller charts in the last Isa season - currently yields 3.55 per cent.

WiseAlpha gives armchair investors the chance to invest in the secured loans of big corporations such as Virgin Media and Eddie Stobart. Previously, these were the preserve of pension funds and banks.

Share dealing platform AJBell believes it is has become the first company to complete a live share trade using Facebook Messenger. It could roll out the service to customers if security proves robust.

Giant funds can attract so much money that sometimes they struggle to achieve their stated objective Here we round up five smaller funds and investment trusts.

A legal battle has raged for several years over the 'enhanced capital note' bonds, first created when Lloyds was trying to shore up its finances in 2009.

Schroders Global Investor Study found millenial investors expected a 10.2 per cent level of income from investments - far higher than the FTSE All-Share's current 3.75 per cent yield.

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Every investor has one - that stock that you've owned for ever. Maybe it was the first share you bought, or the first success story you invested in.

As any contrarian investor will tell you: the best investment returns are achieved by rummaging around in others' dustbins.

Oil price is back at $50 - are your investments at risk from the recovery?

Investors in top-performing income funds and trusts could suffer a reversal in fortune if the oil price continues to recover because many have low weightings in the sector, a leading analyst has warned. The price of Brent crude has already nearly doubled from a low of $27 a barrel in January to around $50 now, and could well carry on rising even if leading oil nations can't agree to curb production at an Opec meeting in Vienna this week.

WiseAlpha gives armchair investors the chance to invest in the secured loans of big corporations such as Virgin Media and Eddie Stobart. Previously, these were the preserve of pension funds and banks.

2 June 2016: Stephanie Graves from Hull, East Yorkshire, whose two children Bailey (9) and Bobbie (7) have been learning how and why to save money at school. They are pictured with their piggy bank and calculator...Att: Ben Green, Mail On Sunday Pic Desk..Picture: Sean Spencer/Hull News & Pictures Ltd..01482 772651/07976 433960..www.hullnews.co.uk   sean@hullnews.co.uk..

Starting tomorrow, Financial Planning Week will offer free one-to-one surgeries with advisers to anyone who wants to get their financial affairs in order.

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It's worth pointing out, of course, that the move does not affect the fund management side of Axa's business - just the money invested by its insurance arm.

STEPHEN BUTT, HEDGE FUND MANAGER, OUTSIDE HIS HOME IN COTTESMORE GARDENS, KENSINGTON. 15-6-2013 
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Butt founded Silchester International Investors in 1994. It focuses exclusively on long-term stock market investments.

Vanguard expands into active management with low-cost funds

The use of low cost passive funds has soared in the past two years after the end of trail commission. But Vanguard's newly-launched range will have an ongoing charge figure of between 0.6 and 0.8 per cent - half of the 1.6 per cent that other active funds tend to charge.

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Savers sick of paltry interest rates are pouring £9million a day into risky websites where their cash is gambled on huge unsecured loans made to strangers.

Data shows that even during the supposed glory days of global emerging markets, many funds in the sector lagged their MSCI benchmark.

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A mini-bond is being sold to small investors through the online finance platform Karadoo. Investors in the Original Matchless Motorcycle Company will receive 6 per cent annual interest for five years.

In this low-income world it can be hard to find mainstream investments paying a significant yield. Stifel has compiled a list of 19 investment trusts with a yield of more than 4 per cent.

Odey's fund tumbled 20 per cent in May - a terrible performance given most of his rivals were in positive territory for the year.

UK housebuilders have delivered returns of almost 440% but the economic recovery is not enough of an explanation, says SWMC UK fund manager Brian Cullen.

How do I work out compound interest?

Albert Einstein called compounding the eighth wonder of the world. It's a simple but extraordinarily powerful force that anyone saving for their future or going into debt should understand, says Tom Stevenson of Fidelity International. He explains how to work it out and apply it when you're making real life money decisions.

The percentage of these so-called index trackers will increase as investors (and financial advisers) opt for low cost and reliability over higher cost and unpredictability.

With the horse racing season in full swing, We look at ways to share in a competitor's success - without breaking the bank. Bert Colombi is a member of Yorkshire-based syndicate On To A Winner.

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Savers are able to invest in the scheme, which involves buying future renewable energy subsidies from households with solar panels.

UK companies were among the world's laggards when came to rewarding shareholders in the first quarter of 2016, alongside firms in Asia and emerging markets.

Are you still being charged for investment fund advice you no longer get?

Up to 250,000 investors are still having charges taken from funds to pay for advice. All those affected visited a financial adviser before 2013 and unless they act now they could lose thousands. Until the crackdown in 2013, it was normal for advisers to take commission for the Isas and pensions they set up for customers.

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A rout in the commodity sector, a slowdown in China and ongoing uncertainty around the EU referendum have meant a rocky 12 months on the FTSE.

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Some experts are saying that savers are searching in the wrong place. For example, Arm Holdings is one of the biggest companies in the FTSE 100 yet the shares yield around 0.8 per cent only.

The EU and the Union flags fly outside The European Commission Representation in the United Kingdom in central London January 23, 2013. Britain's Prime Minister David Cameron promised on Wednesday to give Britons a referendum choice on whether to stay in the European Union or leave if he wins an election in 2015, placing a question mark over Britain's membership for years.  REUTERS/Stefan Wermuth (BRITAIN - Tags: POLITICS) - RTR3CU5J

I spoke to my financial adviser about the uncertainty around the EU referendum and whether I should change my investments. He suggested the Prudential Growth fund.

As the search for income continues, are bonds too expensive relative to their yield? Kames Capital's David Roberts thinks so - but sees opportunities in emerging markets.

Women's investment income is lagging behind men's by more than 50% - far outstripping the gender pay gap and causing them to miss out on an average of £1,372 per year.

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A third of Britons said they did not move their money from low paying accounts into higher return investments as the fees charged are too high.

The Seed & EIS Hour show will feature two young businesses pitching for funding. Viewers can register interest to invest and benefit from guidance on how to evaluate opportunities.

Terry Smith the Chief executive at stockbroker Collins Stewart
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The Pridham Report has revealed that Terry Smith's Fundsmith Equity fund, hauled in £54m more than his rival in the first three months of the year.

How to build a buy-and-hold dividend portfolio - and the shares that made the cut

If you do want to build your own share portfolio - or just understand how people do it - how do you go about it? We asked our friends at Stockopedia to build a buy-and-hold DIY investing Isa share portfolio - and explain how it was done.

Investing Show: Value investor who likes bank shares and supermarkets

You don't get much more unloved than banks. For a value investor like Nick Kirrage that makes them interesting. The Schroders fund manager explains why he thinks banks look like an investing opportunity, along with almost equally unloved supermarket sector, in the latest episode of the Investing Show.

In this Brexit special edition of the Investing Show, we look at what has been hit hardest, what has done well and where the best opportunities for the future lie.

Investors are regularly told that they need to asset allocate, build a balance portfolio and think long term - but how do you do that? Justin Urquhart Stewart gives us his tips.

City of London investment trust has raised its dividend payout for 50 years in a row, manager Job Curtis discusses income investing and his best ideas.

The start of 2016 has been a rocky ride for investors, but should they worry or ride out the storm? We look at what's happening on the latest Investing Show.

Against a backdrop of bad headlines, contrarian investor Tim Price explains where he is looking for good news in the latest episode of the Investing Show.

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Laura Foll, co-manager of Lowland investment trust, explains why she's buying some oil and commodities stocks and where she and fellow manager James Henderson look for future dividend stars.

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The music is specially written and recorded by British musician Ed Harcourt exclusively for this campaign and the track ?The Way That I Live? will be available for pre-order exclusively through iTunes from 4th November, ahead of its official release in December as a single. 

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How do you track down the best income shares? Look for the opportunity for dividends to grow, is the case put forward by fund manager Hugh Yarrow in the latest episode of the Investing Show.

A toy dragon decoration for the upcoming Chinese Lunar New Year is seen in front of an electrical board showing stock information at a brokerage house in Wuhan, Hubei province. China shares closed up 1.3 percent on Thursday, with investors partly focusing on financial stocks, as they hoped the government would usher in market-boosting steps after next week's week-long Lunar New Year holiday, traders said.

Where should investors look for the best future gains - and how much risk will they have to take to get them? Tom Becket, of Psigma, joins the Investing Show to discuss where returns may lie.

Many experienced investors will have their own favourite measures of a company but there are a handful of important terms that crop up more often than not, we explain why they matter.

Fidelity Moneybuilder Dividend fund manager Michael Clark joins Simon Lambert and Richard Hunter to discuss the best dividend shares.

Investors have been hammered at the start of 2016 and the bears are out in force but are there opportunities out there for the brave?

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Hector McNeil, of ETF specialist Wisdom Tree, joins Simon Lambert to explain index investing, exchange traded funds and why some investors prefer to tilt these to try and deliver better returns.

In the latest Investing Show, we look at two questions investors face. Are beaten down bank shares a buy yet and how do you find a good fund to profit from opportunities in the market storm?

Jeremy Lang, of Ardevora, reveals how he doesn't meet company bosses and plans for bad news to last longer than expected to avoid mistakes and deliver market-beating returns.

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Adam Ryan, manager of the BlackRock Income Strategies investment trust, joins the Investing Show to explain what he thinks retirement and income investors should consider.

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Will Britain's small army of buy-to-let investors continue to profit in the years ahead? Rob Ellice, of easyProperty,discusses what next for property in the latest episode of the Investing Show.

How to invest tax-free from gold to classic cars and wine

You can enjoy great tax breaks with alternative investments - putting money into fine wine, classic cars, gold or perhaps even stamps. But before you take the plunge, you need to realise that while they can be rewarding, alternative investments can also prove volatile and illiquid. We explain what you need to know

US investors may be worrying about a Trump presidency but Grant Bowers is confident he has identified themes that can continue to grow against an uncertain backdrop.

Start early: How to save and invest for children

We take a look at the ways you can save and invest for your children, how the schemes work and provide tips and guidance.

Coins falling into a piggy bank. Image shot 2005. Exact date unknown.

It seems bigger isn't always better as the top three funds for income all came from smaller firms, according to research. Most of those relegated to the Black List were high profile names.

10/03/2015. PIC. SHOWS HOLLY MACKAY A PENSIONS SPECIALIST, AT HER NORTH LONDON HOME. SHE IS BEING INTERVIEWED BY JEFF PRESTRIDGE FOR A PENSIONS FEATURE.

Self-investing via an online fund supermarket is growing in popularity, despite recent stock market falls. But choosing a provider can prove a minefield.

The City oddball who loves bosses who make rotten decisions (because they're what help him

Jeremy Lang doesn't like meeting company bosses. He doesn't believe in investing for the long term. And for several years, he didn't really like being a fund manager. Pretty unusual characteristics for one of the country's most successful investors. But then, Jeremy Lang is an oddball.

There are fears investors might be going overboard in the hope of a swift transformation in India's fortunes, and more big investing gains.

The gold price has risen 5% since the start of the year, fuelled by investors' nervousness over volatile markets. But what are the long term prospects for the yellow metal?

Personal finance...Charlotte Maylin in her Beauty Salon, Venus...Charlotte has taught herself about investment trusts...Letchworth, Herts...8-12-2015 Pic by Ian McIlgorm

We identify six investment trusts that have enough income in their tanks to continue their record of delivering investors with all-important dividend growth - plus the potential for generating tidy profits.

For those investors who believe the retail giants will rise again, the key is to drip-feed your money in if you are buying shares to minimise the effects of any dips in the share price.

   

Investing: don't miss

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Which shares will deliver the best return for investors over the next five years?

Which shares will deliver the best return for investors over the next five years?

  • US 579 votes
  • UK 1806 votes
  • Europe 278 votes
  • Emerging markets 506 votes
  • Japan 238 votes
  • China 200 votes
  • India 423 votes
  • Smaller companies 364 votes

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DON'T MISS

The investment industry's world of abbreviations...
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

The best DIY investing platforms for four different types of investor

Investors are pouring record amounts of money into funds and trusts - but have you chosen the best broker to help you buy your investments? The easiest way to invest is through an online platform. These are essentially one-stop shops for buying funds, investments trusts and shares, and are generally much cheaper than buying directly from the fund companies themselves.But which one you choose will depend on what type of investor you are. We explain what to consider.

Want to dabble in the stock market? Kames investment chief Stephen Jones explains how to build a portfolio that covers all the bases - and reveals which stocks look promising for 2016

A bond market wobble is causing concern that a far bigger shock is imminent. So should people be looking for other places to put their money, and if so what are the best options?

Can you explain how to 'read' the figures on a balance sheet - and how do I use them to judge the health or a company?

Bill Gross, founder of bond giant PIMCO, is pictured at the offices of PIMCO in Newport Beach, California, U.S. 
Bill Gross has left his post as chief investment officer at the company and joined mutual fund management firm Janus Capital. 
PICTURED: July 16, 2007 - Newport Beach, California, U.S.- BILL GROSS, known as the ''king of bonds'' His bonds forecast has taken a recent shift to a more bearish stand on bonds, which some blame at least in part for the recent market turmoil. 


26 Sep 2014, Newport Beach, California, USA --- Sept. 26, 2014 - Photographed at the offices of PIMCO, his company. (Credit Image: © Jonathan Alcorn) --- Image by © Jonathan Alcorn/ZUMA Press/Corbis

Bond king Bill Gross has railed again at 'the less than commonsensical notion that a global debt crisis can be cured with more and more debt.' We would be wise to at least consider his words.

Invest around the world at low cost: Reasons to add ETFs to your investment portfolio

While market performance is outside of an investor's control, the amount they pay is firmly in their hands and many are looking to lower cost alternatives offered by either exchange traded funds. Why are more investors buying into ETFs and what can they do for you? We reveal five reasons to add ETFs to your portfolio.

I have invested in tracker funds in the past but now find that I am increasingly reading about ETFs. What is the difference between the two?

Trackers and exchange traded funds are hugely popular because they are a simple and cheap way to invest in stock markets and other assets like bonds and commodities.

Dumb tracker, cheap do-it-all fund, or smart beta?How to invest in trackers

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?

Fund and trust ideas for first time and cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

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

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

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

Uk equities have delivered 1,433 per cent growth during the past three decades, or 9.9 per cent each year - but only if you steadily reinvested all your dividends.

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We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.