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.
Investor essentials and share and fund prices
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Why long-term investing works: How putting £10K into the stock market would have earned you £90K more than cash savings over three decades
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.
LATEST SHARE TIPS
MIDAS SHARE TIPS: Wind blows in right direction for renewable energy supplier 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.
HOW TO BE A DIY INVESTOR
How much does it cost to invest the easy way? How to find the cheapest DIY model portfolio 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.
INVESTING NEWS AND IDEAS
MINOR INVESTOR: How the art of doing nothing turned into a winning Brexit investing strategy
Having never got round to tweaking my Isa portfolio before the EU referendum, I resisted the temptation afterwards. As luck would have it that was the right move, my portfolio is up 9.1% on where it stood three months ago and 14% on the week after the vote. Now, though, I risk falling into a new trap of thinking this was down to investing skill. ...read
INVESTMENT EXTRA: Which tech star is the next takeover target after ARM Holdings?
INVESTMENT EXTRA: Which tech star is the next takeover target after ARM Holdings?
The banknotes worth more than face value: As the Bank of England prints the first plastic Churchill fivers, interest in early five-pound notes 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.
My fight to shield savers from the City pickpockets: Fund manager accuses industry of fleecing investors with hidden fees
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.
Can you tot up financial losses correctly? Only two in five people can - take our quiz to see if you are one of them
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...
REVEALED: Hedge fund caught short as doom-monger Crispin Odey is the WORST performer in 2016 but don't weep for him - he's still worth £20m
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.
These countries are the world's top 10 Olympic powerhouses - but what are their investment prospects? Fund managers pick the best opportunities
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.
Investors spooked by Brexit and commercial property fears pull £3.5bn from funds in June - six times more than at height of the financial crisis
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.
Get your AIM right and you could make a mint! Experts take their pick of the risky firms on the Alternative Investment Market
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.
The tycoon who came to tea: Nirmal Sethia wouldn't sell his £160MILLION collection (including Nelson's teapot) for all the tea in China
Tea is far more than a refreshing drink for Nirmal Sethia - it is a divine gift of life. Inspired by his late wife Chitra, who died just over five years ago, the owner of Newby Teas has amassed a collection of some 1,700 rare and valuable tea-related items worth up to an astonishing £160million. Sethia says: 'Tea is like a beautiful woman - not to be recognised for its appearance but valued for its character. It should be treated with respect and dignity. Tea is a mark of civilisation.' Among his prized possessions is a silver teapot with a wooden handle engraved 'N' - a 'bachelor teapot' used by Admiral Horatio Nelson. It is now worth up to £200,000. ...read
How to cash in on the British tourist boom: A weak pound is set to send holidaymakers flocking.... so which shares will benefit?
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.
I have £10,000 towards a house deposit. Where can I invest this for six months so that it can grow while I continue to save?
I am saving to put down a deposit on a house - I have £10,000 so far. Where can I invest this for around six months so that it can grow while I continue to save? Holly Black replies, 'While I can see the logic in your plan to invest your cash while you build up the last bit of your deposit, I'm afraid that this is not the best course of action. Investing is for the long term.' ...read
Why you should NEVER gamble your pension on property funds: Peter and Sandra did and lost £43,000 - and can't get it back despite being victims of mis-selling
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.
'Investors need to take a deep breath and count to ten': Brexit tips to avoid knee-jerk reactions that could cost you a fortune
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.
'Cash beats shares!' BBC journalist Paul Lewis challenges conventional investing wisdom in study covering 21 years
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.
Oil price is back at $50 and could go higher - but will some top-performing income funds and trusts be 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.
The 'eighth wonder of the world' that could make or break your fortunes: How to unleash the 'awesome power' of compound interest... and calculate it
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.
Beware the property funds that lock you in when prices fall or charge up to 5% to access your savings
Savers fear their cash may be locked up as property funds close their doors. In a move reminiscent of the property crash of 2007 several major property funds have started to bar savers from escaping. Property funds at Henderson, Standard Life and M&G; have all invoked their right to charge investors to redeem their cash in a bid to stem outflows. ...read
Are you still being charged for fund advice you no longer receive? Why your old Isa could be leaking thousands
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.
INVESTING VIEWS FROM OUR COLUMNISTS
THE MINOR INVESTOR COLUMN
- How to build a buy-and-hold dividend portfolio - and the shares that made the cut
- Why long-term investing works - and the easiest way to do it
- Sell (mostly) everything! Is it time for the MINOR INVESTOR to heed the dire warnings?
- This was a strange year for investors - and 2016 could be even trickier - but I'm still buying
- Emerging markets look cheap, so why am I not diving in?
MAIKE CURRIE
- Is it time to buy 'good value' emerging markets? The regions and funds to tap into now
- Why smaller companies will continue to outpace their larger counterparts
- How to invest your pension pot wisely
- The big swing from growth to value: Why unloved stocks could soon have their moment in the sun
- The smart way to invest in technology: How to tap into innovation
- Finding shelter from the stock market storms: Four investments that can provide protection and profit
This is MoneyINVESTMENT CLINIC
MORE NEWS
- I like to invest in shares rather than funds - which is the best website?
- What should I do with the £20,000 I intend to split between my two children?
- I have three buy-to-let mortgages and a £100k lump sum - should I pay down the highest interest rate or the biggest balance?
- I got an email suggesting I buy shares in a small company for a few pence. Should I go for it?
- I have £20k to invest and don't have access to internet - can I have an account with a fund supermarket by telephone or post?
- I want to get a 15% a year return on my investments - how can I do that?
THE INVESTING SHOW
Investing Show: The value investor who likes unloved bank and supermarket shares
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.
INVESTING IDEAS
From gold to classic cars and wine, how to make money tax-free from alternative investments
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
CHECK YOUR INVESTMENTS
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No annual fees and trade for £8 -
Good for big pots
£80 flat fee with 8 free trades -
Cheap share-dealing
0.24% admin fee, £2.50 share dealing -
Low annual charge
0.2% funds fee and £4.95 dealing -
Intelligent investing
Builds a portfolio for you -
Easy to use
Free fund dealing, competitive 0.35% fee -
Low cost funds
0.25% annual fee, no dealing charge -
Welcome rate
£5.95 online share dealing rate first 3 months -
Guidance and tools
Typical 0.35% fee and fund guidance -
Explore 2,500+ funds
£7.50 share and investment trust dealing
Investing: don't miss
- Top UK fund manager Mark Slater 'The FTSE 100 is too expensive - we are having to hunt around for growth'
- I'd like an old-fashioned human advisory stockbroker on the end of the phone Do they still exist?
- Is it worth paying big fees for some funds? High performers can outweigh the extra cost, but picking winners is a tough game
- MINOR INVESTOR How the art of doing nothing turned into a winning Brexit investing strategy
- Why builders will be a good bet after Brexit Ultra-low mortgage rates will help Britons looking to buy a home
- Are investment trusts now PRICIER than their fund rivals? Boards urged to cut costs as performance lags
- Top 25 fund manager stars of past decade revealed Mark Slater shoots to top spot, as Woodford takes fifth place
- INVESTMENT EXTRA Which tech star is the next takeover target after ARM Holdings?
- Is cheaper always better when it comes to passive funds? One ETF provider argues it's a false economy...
- JEFF PRESTRIDGE Investors (and not managers) must come first in today's fund management sector
- My fight to shield savers from the City pickpockets Fund manager accuses industry of fleecing investors with hidden fees
- I want to buy a single share as a gift for a friend - what's the easiest and cheapest way?
- INVESTMENT CLINIC I'm happy to tie up my money for two years, but don't want to lose any - where should I start?
- Can you tot up financial losses correctly? Only two in five people can - take our quiz to see if you are one of them
- Is it too late to invest in gold? Investors buy in record numbers but sterling price has risen 48% already this year
- INVESTMENT CLINIC My money is stuck in a suspended property fund. What should I do?
- REVEALED: Hedge fund caught short as doom-monger Crispin Odey is the WORST performer in 2016 But don't weep for him - he's still worth £20m
- 'Fuss over hidden fees is hysteria' Top fund managers claim their returns show charges are 'Loch Ness Monster of investments'
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
- Fund and investment trust tips: The experts' ideas for different investors and the easy ways to invest your Isa
- MINOR INVESTOR: Why long-term investing works - and the easiest way to do it
- 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
MIDAS SHARE TIPS
- MIDAS SHARE TIPS: Wind blows in right direction for renewable energy supplier Good Energy
- MIDAS SHARE TIPS UPDATE: Strong performance from sports supplement firm SiS... but shares still need a boost
- MIDAS SHARE TIPS: Franchise Brands boss is hoping to repeat the Domino's effect
- MIDAS SHARE TIPS UPDATE: Hummingbird may start to sing after it snaps up Mali mine
- MIDAS SHARE TIPS: Biotech group Redx Pharma shares are in doldrums but could soar as new drugs come on stream
- MIDAS SHARE TIPS UPDATE Still a smart bet...uniform provider Johnson is up by 438% since we tipped it in 2010
- MIDAS SHARE TIPS: Ad veteran aims for £100m revenues at digital start-up Be Heard Group
- MIDAS SHARE TIPS UPDATE: Shares are on march at our infrastructure tip Hill & Smith as interim profits soar 28%
- MIDAS SHARE TIPS UPDATE: Gym Group is fighting fit
- MIDAS SHARE TIPS: Pregnancy kit maker Concepta passes all the tests
FUND AND TRUST IDEAS
- THREADNEEDLE UK PROPERTY: Fund re-opens after post-Brexit alarm subsides
- HERMES GLOBAL EMERGING MARKETS: Growth before location, that's the drill for emerging markets
- JUPITER ABSOLUTE RETURN: If a firm's in the soup we'll short it, says boss James Clunie
- MONKS INVESTMENT TRUST: 'I'm disappointed' says fund boss who made 29% profit in a year
- AURORA INVESTMENT TRUST: Will Aurora see a brighter dawn as Mars is left behind?
- INTERNATIONAL BIOTECHNOLOGY TRUST: Doctor, analyst... and grand master at the biotech 'slow game of chess'
- EDINBURGH DRAGON TRUST: Investment trust roars back with 40% gain in six months
- MITON CAUTIOUS MONTHLY INCOME: The fund's tortoise technique to win the race for dividends
- LAZARD WORLD TRUST: Manager Kun Deng always does his shopping in the discount aisle
- JP MORGAN CLAVERHOUSE: Fizzing mixer drinks maker Fever-Tree gives FTSE fund added sparkle
- ROYAL LONDON GLOBAL HIGH YIELD BOND: Children's favourite Peppa Pig helps to spice up 'boring' bond market
- MID WYND INTERNATIONAL: Artemis manager Simon Edelsten seeks out the elephants that CAN dance
- SCHRODER RECOVERY: Fund manager Kevin Murphy looks for value, piles in, waits and reaps rewards
- MURRAY INTERNATIONAL: The trust that bucked the trend after Brexit...with a Mexican wave
Monthly Or Lump Sum Savings Calculator
DON'T MISS
- SUNDAY NEWSPAPER SHARE TIPS Every week we round up the weekend share tips. This week: Jimmy Choo, OptiBiotix, Sky and Provident Financial
- Banksy has turned spray painting into an art form worth a fortune What to watch out for when investing in art
- SIMON WATKINS Blame the Brexit vote, not a clumsy trader, for the falling pound
- Confused about 'hard' and 'soft' Brexit, the Norway model and the Swiss solution? This handy table explains the options for the UK's exit from the EU
- JEFF PRESTRIDGE Stand up for Britain's savers, Mr Hammond
- Half a million workers could top up their state pension at 'bargain basement' rates Workers who miss years of contributions can make voluntary payments
- EVENLODE INCOME How two Wise men turned £1m into £1BN in just seven years
- Pound sinks again after suffering mystery 'flash crash' when it appeared to drop 10% in seconds before rogue trade was cancelled
- SMALL BUSINESS SUCCESS! Former City worker who launched a tie business after he was made redundant expects sales to reach £1m next year
- Hard-pressed savers could get state-backed high interest rates accounts, hints PM Return of pensioner bonds?
- REVEALED: The most and least affordable places in the UK to buy a home - as average house price comes to more than six times earnings
- Chancellor endorses Carney but admits savers ostracised by super-low rates must be 'won back'
- MIDAS SHARE TIPS As the markets totter, luxury footwear brand Jimmy Choo is on a sound footing
- Buy-to-let mortgage tax relief battle backed by Cherie Blair hits the skids Court refuses full judicial review.
- House prices holding steady since Brexit vote But property inflation is tipped to tail off in soft market, says Halifax.
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
-
Great service
Fixed account fees, no investment limits -
Free fund dealing
Investment ideas and model portfolios -
Online share dealing
No annual fees and trade for £8 -
Good for big pots
£80 flat fee with 8 free trades -
Cheap share-dealing
0.24% admin fee, £2.50 share dealing -
Low annual charge
0.2% funds fee and £4.95 dealing -
Intelligent investing
Builds a portfolio for you -
Easy to use
Free fund dealing, competitive 0.35% fee -
Low cost funds
0.25% annual fee, no dealing charge -
Welcome rate
£5.95 online share dealing rate first 3 months -
Guidance and tools
Typical 0.35% fee and fund guidance -
Explore 2,500+ funds
£7.50 share and investment trust dealing
INVESTING TIPS AND OUTLOOKS
Are you paying too much for funds? 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.
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.
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