Latest insights

Keeping up to date with financial market and industry news can be difficult. To help you make sense of it all, our research team produce regular articles on current affairs and other topics that may interest you as an investor. You can read our latest articles here.

Five tips to boost the returns on your cash savings

Published on 10 Jul 20 by Adrian Lowcock

With interest rates at record low levels it is essential to make sure you get the best rate you possibly can for your savings, not just now but in the future. We look at five simple tips that could help you to get your money to work harder for you.

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Sunak splashes the cash to boost the economy

Published on 09 Jul 20 by Liz Rees

Chancellor Rishi Sunak has delivered his Summer Statement, outlining a £30bn package of measures aimed at getting the economy back on its feet. We highlight the key initiatives that it is hoped will restore consumer confidence and business investment as we emerge from lockdown.

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Review of Q2 2020 - markets on the front foot as optimism returns

Published on 07 Jul 20 by Liz Rees

In this article we review the performance of world stock markets in the second quarter of 2020 and look at the key economic and political drivers. We highlight the areas that have thrived, and those under pressure, as consumer and corporate behaviour adapts to the COVID-19 crisis.

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The US in the spotlight

Published on 03 Jul 20 by Liz Rees

As the US celebrates Independence Day on Saturday 4th July, investors in the country’s stock market also have reason to cheer. We reflect on the strong out-performance by US shares over the last decade and give our views on the outlook for the region.

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Taking control of your retirement plans

Published on 30 Jun 20 by Liz Rees

The UK government will begin to look for ways to pay down its debt, which has ballooned this year as a result of the lockdown. One option garnering attention is a review of the triple lock formula, which determines the state pension. This could make prudent retirement planning more important than ever!

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The importance of saving

Published on 25 Jun 20 by Adrian Lowcock

We save because we can't predict the future. It can help you become financially secure and provides a safety net in case of an emergency.

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Four long years since the Brexit vote - where next for the UK?

Published on 23 Jun 20 by Liz Rees

It has been four years since the Brexit vote, and whilst the coronavirus crisis has knocked the topic off the headline news trade negotiations continue. Boris Johnson promised to ‘get Brexit done’ so what does this mean for the UK economy and investors?

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Celebrating 25 years of AIM

Published on 19 Jun 20 by Adrian Lowcock

AIM, formerly the Alternative Investment Market, celebrates its 25th anniversary today. It opened its doors on 19th June 1995 to investors and has grown considerably in size since then. We look at how the market has changed over the years and what investors should consider.

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Preparing your portfolio for a second wave

Published on 17 Jun 20 by Liz Rees

When stock markets are rising it is all too easy to become complacent and assume the global economy is rebounding strongly, and the bear market is history. However, there are nearly always setbacks on the path to recovery. So how can we position portfolios for the uncertainties that remain and a possible second wave of the COVID-19 pandemic? 

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Is the Emerging Markets growth story intact?

Published on 12 Jun 20 by Liz Rees

With signs that companies in the West are looking to reduce their manufacturing dependence on China, the world’s second largest economy, we review the outlook for Emerging Markets. Can the region continue to produce high levels of economic growth and are there attractive investment opportunities?  

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Are we entering a period of deglobalisation?

Published on 09 Jun 20 by Liz Rees

Before the Covid-19 outbreak, many of us may not have considered where the goods we consume come from. However, the pandemic has raised questions about the ability of supply chains to function effectively in times of disruption. We look at what might change and the implications for investors.

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FTSE indices review - a reflection of the times

Published on 05 Jun 20 by Liz Rees

The latest quarterly review of the FTSE indices, has brought a more substantial overhaul than usual. Some of the changes illustrate the severe impact of the COVID-19 crisis on certain industry sectors and companies. We look at the movers and shakers and what they might tell us about trends in the economy and stock market.

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Blending passive and active funds in a portfolio

Published on 02 Jun 20 by Liz Rees

Passive funds have seen a huge surge in inflows over the past decade. They have enabled investors to participate in a long bull market at very low cost. Today we are facing a much tougher economic backdrop and some think an active approach, to identify the winners and losers, may prove effective. We look at the arguments for and against each style.

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Keeping an eye on liquidity

Published on 29 May 20 by Liz Rees

As we approach the 1st anniversary of the suspension of the LF Woodford Equity Income fund, it might be a good time to remind ourselves of the risks associated with illiquid investments. We take a look at how different investments may face liquidity constraints and what investors can do to help protect their portfolios.

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Paying for the Pandemic

Published on 26 May 20 by Adrian Lowcock

Government manifesto promises and years of austerity were shoved to one side when Coronavirus spread across Europe and resulted in the UK going into lockdown for nearly two months. Whilst many things remain uncertain, the one thing that seems beyond doubt is that taxes will have to rise. We consider some of the possible options.

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Where in the world can you find dividends?

Published on 22 May 20 by Adrian Lowcock

The coronavirus (Covid-19) crisis has had a huge impact on UK dividends with whole sectors cutting their payments. The impact on the income people draw from their investments will be felt for years to come. Whilst the UK has been a leader in paying out dividends, other regions are also affected. We look at the impact of the crisis on the rest of world and consider where the best equity income opportunities lie.

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What to do if your fund manager leaves?

Published on 19 May 20 by Adrian Lowcock

Recently, several companies have announced changes to management responsibilities for their funds, with some well-known fund managers stepping back from their roles. Fund managers are often a big part of the reason investors hold a particular fund so their departure can be unsettling for investors. We consider why fund managers leave and what it might mean for your investments.

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Can gold continue to shine?

Published on 15 May 20 by Adrian Lowcock

The price of gold has rallied during the Coronavirus (COVID-19) crisis as some investors swapped riskier investments in shares for the perceived safety of this precious metal. Having offered investors protection during the crisis we consider the outlook for gold and the role it can play in your portfolio. 

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How quickly can the UK economy recover?

Published on 12 May 20 by Liz Rees

Last week the Bank of England suggested that the UK economy was set for a rapid rebound in the second half of 2020 following an unprecedented collapse in activity in the first half of the year. With Prime Minister Boris Johnson laying out his plans to get Britain back to work, we look at whether a V-shaped recovery is realistic and what obstacles stand in the way.  

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It’s time in the markets, not timing the markets that matter

Published on 07 May 20 by Adrian Lowcock

At this time of year the “Sell in May and go away, don’t come back until St Ledger’s Day” adage gets some attention and, like all good sayings, there is some truth behind it...

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Investors shrug off lockdown to send global markets soaring in April

Published on 05 May 20 by Adrian Lowcock

Following the rapid decline in markets in March, stock markets rallied strongly in April.

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What does a low oil price mean for investors?

Published on 01 May 20 by Liz Rees

Oil helps power global growth and last week’s collapse in the oil price shocked markets. Oil has been under pressure since Saudi Arabia launched a price war in February. We look at what is going on with the oil price and the implications for your investments.

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Three investment themes for lockdown

Published on 28 Apr 20 by Liz Rees

While many companies have seen sales evaporate as a result of the lockdown, a few sectors have actually seen demand for their products and services take-off. Some will just benefit in the short term and others may experience a longer lasting effect from the coronavirus crisis. We consider the trends and ask whether they are sustainable.  

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Are corporate bonds the place to be?

Published on 24 Apr 20 by Liz Rees

The lockdown due to the coronarivrus (Covid-19) is having a huge impact on companies as economic activity collapses. One aspect has been the cut in dividends. Up to half of company dividend payments are estimated to be at risk this year. With this in mind, we ask if now is a good time to revisit the fixed interest appeal of corporate bonds?

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Seven tips for keeping safe from scammers

Published on 21 Apr 20 by Liz Rees

With most of us in lockdown in our own homes, fraudsters are still working and looking for new ways to exploit any opportunities they can find to relieve us of our money. We suggest some key points that could help you avoid falling victim to some of the scams doing the rounds.

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Is it time to start investing for the recovery from lockdown?

Published on 09 Apr 20 by Liz Rees

The coronavirus (Covid-19) crisis has shut down large parts of the global economy and had a huge impact on many people’s jobs and personal lives. However, with markets typically forward looking and hope that the end is in sight, we look at how companies and fund managers are addressing the risks and opportunities that arise.

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Investing monthly could help you become a better investor

Published on 09 Apr 20 by Adrian Lowcock

A lot of people invest monthly as it lines up nicely with the fact that the majority of us get paid monthly.  So you can put any spare cash into your savings and investments as soon as you get paid and aren’t tempted to spend it. 

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Investor behaviour in bear markets

Published on 07 Apr 20 by Liz Rees

In the short term markets are driven by the collective emotions and thoughts of all their participants. The negative news surrounding the coronavirus (Covid-19) pandemic and the fear it has generated is likely to influence your investment decisions. We take a look at some of the common behavioural biases that we all might experience and offer some tips to help you deal with them.   

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Who are the winners and losers in March’s sell-off?

Published on 03 Apr 20 by Adrian Lowcock

Given the extent to which markets have tumbled, it may come as a surprise that some funds and sectors performed well during the crisis. 

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Market rebound gives us the first rays of hope

Published on 31 Mar 20 by Liz Rees

Last week brought a glimmer of hope that there may be light at the end of the tunnel for investors. Stock markets around the world rallied on optimism that huge fiscal stimulus programmes announced by governments would support the economy through these difficult times. Nevertheless, a high level of uncertainty will remain until there are signs that the coronavirus pandemic is under control so volatility is likely to continue.

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Protect your income from dividend cuts

Published on 27 Mar 20 by Adrian Lowcock

Dividend cuts seem inevitable as many companies look to conserve cash in the short term to protect their business. We look at five tips to help protect your income from the dividend shock set to come.

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The coronavirus (COVID-19) crisis - learning from history

Published on 20 Mar 20 by Liz Rees

Sudden and steep falls in stock markets are usually caused by unexpected and often major ‘geopolitical’ events. These range from pandemics and natural disasters to military conflict and financial crisis. What lessons can investors take from history?

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Central banks take action to tackle coronavirus

Published on 16 Mar 20 by Liz Rees

Following the Bank of England’s decision to cut interest rates last Wednesday, central banks around the world have announced further measures to tackle the slump in economic activity caused by the rapid spread of the coronavirus.

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Saudi Arabia’s oil price war hits markets

Published on 09 Mar 20 by Liz Rees

Stock markets continue to experience high levels of volatility as investors worry that the spread of the coronavirus will put a temporary brake on global economic growth. This week, concerns have intensified with the news that Saudi Arabia, the world’s leading oil producer, is to step up its output of crude oil and unleash a price war, triggering a slide in markets.  

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Three income ideas for your portfolio

Published on 06 Mar 20 by Adrian Lowcock

It is not easy to get a regular income from your cash savings these days. After more than a decade, interest rates are still languishing at very low levels and we think they are unlikely to rise much in the short term.

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Five tips for volatile markets

Published on 04 Mar 20 by Liz Rees

Volatility returned to markets last week as worries about the impact of the coronavirus led to steep falls in share prices. This week started with a tentative rebound in shares prices after central banks promised swift action to support economic growth. Despite attempts to calm markets, further volatility is likely. We suggest five investment strategies to cope with volatile markets. 

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Is the inflation genie out of the bottle?

Published on 28 Feb 20 by Liz Rees

Last month the annual rate of inflation, using the Consumer Price Index, reached 1.8%, a significant increase on December’s figure of 1.4%. Although one month’s data does not signal a trend, we look at what a continued upturn in prices might mean for savers and investors.

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Coronavirus fears spread to stock markets

Published on 26 Feb 20 by Liz Rees

Until last weekend the coronavirus had largely been confined to China and expectations were that it could be contained. However, an escalation in cases around the world, particularly in Italy and South Korea, has led to a sell-off in stock markets this week.

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All aboard HS2

Published on 21 Feb 20 by Liz Rees

The government has finally given the green light for HS2.  The project will provide high speed rail links between London and major cities in the North of England, and is expected to be completed by 2040. This could be the start of a significant investment in infrastructure from Boris Johnson’s government.  We look at what other programmes might be rolled out to drive UK growth in the post-Brexit world, and how it could affect your investments.

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Markets resistant to coronavirus

Published on 14 Feb 20 by Liz Rees

The coronavirus has infected over 60,000 people in China and caused massive disruption for people and businesses across the country. The cost to society has been significant with over 1,000 lives lost. With the world's second-largest economy returning to work this week after an extended Lunar New Year holiday we look at what the disruption might mean for stock markets and your investments.

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Hey Google

Published on 06 Feb 20 by Liz Rees

Alphabet, parent company of Google, followed in the footsteps of Microsoft, Apple and Amazon when it briefly broke through a $1trillion market valuation in January. Here we look at its development, the latest earnings report and where future growth prospects lie.

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Responsible Capitalism

Published on 31 Jan 20 by Liz Rees

Last week, two events illustrated the extent to which Environmental, Social and Governance (ESG) factors are taking centre stage. The first was the World Economic Forum (WEF) in Switzerland, which adopted the theme ‘Stakeholders for a Cohesive and Sustainable World’...

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Where next for the oil price?

Published on 23 Jan 20 by Liz Rees

The new decade began with a surge in the oil price, and a corresponding wobble in stock markets, as news broke of the assassination of Iran’s top military commander by US forces. The situation escalated when Iran retaliated, firing rockets at US bases in Iraq and accidentally bringing down a civilian aircraft, and the US imposed additional economic sanctions on Iran.

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UK retail: is it just another winter’s sale?

Published on 16 Jan 20 by Liz Rees

We seem to hear nothing but tales of woe about trading conditions on the High Street. But what do the all-important Christmas sales figures really tell us about the state of the UK economy and which companies are bucking the trend?

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No more splashing the cash - payments go digital

Published on 09 Jan 20 by Liz Rees

When stocking up over the festive season, the chances are that you paid with a swipe or tap rather than the increasingly outmoded cash or cheque. The rapid growth in digital payments has provided growth opportunities for providers with superior technology and service offerings.

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From pessimism to optimism

Published on 02 Jan 20 by Liz Rees

Many of us will have made resolutions to help start the New Year on a positive footing. As families get together to plan their next holiday or perhaps a new home (residential property websites get a surge in views over the Christmas period) it may also be a good time to review your investment portfolio.

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Climate Action - investors have a part to play

Published on 20 Dec 19 by Liz Rees

Global stock markets enjoyed a belated Santa rally after the US and China called a halt to their lingering trade spat. At the same time, British investors welcomed the election of a business-friendly Conservative government. Most geopolitical concerns are short-term but one that is set to remain firmly in the spotlight is global warming.

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Beauty in the eye of the shareholder

Published on 12 Dec 19 by Liz Rees

With Christmas festivities around the corner, well-known beauty brands are on many people’s wish lists. This made me wonder what opportunities high-end cosmetics, skin-care and luxury fashion present for investors and which funds might invest in the companies that make them.

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AIM high: the market for growth companies

Published on 06 Dec 19 by Liz Rees

Companies listed on AIM are popular with, though by no means exclusive to, UK Smaller Companies funds. So what's the pros and cons of listing on this alternative market?

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Smaller Companies - are the sleeping beauties awakening?

Published on 28 Nov 19 by Liz Rees

Smaller Companies in the UK have had a tough time since the EU referendum. The uncertainty over the outlook for the economy put these more domestically focused business under pressure and also made it hard to plan for the future. However, with polls pointing to a Conservative victory in the General Election, and a possible resolution to the Brexit saga, is it time to revisit the sector?

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Is it best to back winners?

Published on 22 Nov 19 by Liz Rees

Two of the most popular funds on our platform this year have been Fundsmith Equity and Lindsell Train Global Equity. Both have delivered exceptional returns since launch and while the philosophy of their managers is similar, their portfolios have little overlap. Here we take a look under the bonnet at what has driven their outperformance and ask whether they can continue to shine. 

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How low can interest rates go?

Published on 15 Nov 19 by Liz Rees

Central banks are again cutting interest rates in an attempt to counter a slowdown in economic activity. The US and the UK have capacity to cut rates further but in other regions, such as the Eurozone and Japan, rates are already in negative territory. A decade on from the financial crisis, with economic growth still lacklustre, there is growing concern that monetary stimulus has run out of steam. Here we look at what alternative policies might be available.

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Microsoft - something old, something new

Published on 07 Nov 19 by Liz Rees

Third quarter results reported by US companies have been closely watched for pointers of how the world economy is faring. Multi-nationals dominate a wide range of industries and rely on global demand. Highly valued companies which disappoint are seeing their share prices harshly punished. However, one company that stands out as a beacon of steady growth is Microsoft. Here we take a look at the broader picture for US corporates as well as what Microsoft seems to be doing well compared to others.

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Calculated Risks

Published on 31 Oct 19 by Ian Taunt

Having recently launched a new ‘portfolio risk score’ tool for users of our :review service, I thought I’d take a closer look at investment risk and share with you some of the things we’ve learned about Willis Owen investors.

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When the disrupted bite back…

Published on 24 Oct 19 by Liz Rees

We hear all the time about up-and-coming businesses attempting to disrupt the status quo of established companies. It’s all too easy to get sucked into the latest hype but a great idea is no guarantee of success. In fact, recent cases of new entrants losing their way makes me wonder whether we should sometimes stick with the incumbents. 

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Taking an ‘alternative’ route

Published on 17 Oct 19 by Liz Rees

Diversification is one of the most important factors to take into account when constructing a portfolio. Traditionally, investors split their portfolio between shares and bonds according to their attitude to risk. These days, alternatives are being added to the mix, so what are the options, which are most popular and how accessible are they?

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Good Money Week - Ethical investing has outperformed the market

Published on 11 Oct 19 by Adrian Lowcock

Good Money Week (5th - 11th October) looks to promote sustainable, responsible and ethical investing. It is now in its 12th year and the performance of ethical investment strategies is being taken more seriously than ever.

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No happy holidays for Thomas Cook shareholders

Published on 03 Oct 19 by Liz Rees

The media has been awash with the news that that Thomas Cook, Britain’s oldest travel business, has collapsed. So what went wrong for this well-known British brand?

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Rugby World Cup

Published on 30 Sep 19 by Adrian Lowcock

There are a number of parallels between picking a winning rugby team and building a successful portfolio. As well as finding the best individual performers, it is also vital to pick a combination of youth and experience and to ensure their strengths complement each other.

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How cheap can value get?

Published on 26 Sep 19 by Liz Rees

A persistent theme in stock markets for over a decade has been the under-performance of the value style of investing relative to the growth style. Apart from a brief rally in 2016, investors have kept their feet firmly in the growth camp. For advocates of the value style the exceptional gap is unjustified. So what is behind the aversion to lowly rated companies and are there any reasons for optimism? 

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Take 10 mins - the time it takes to drink your coffee – to improve your financial future

Published on 25 Sep 19 by Adrian Lowcock

1st October is International Coffee Day. In the UK, workers spend an average of 100 hours a year making hot drinks. However, if they took the time, whilst enjoying their coffee, to manage their finances it could be hugely beneficial for their personal wealth.

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The allure of bonds

Published on 19 Sep 19 by Liz Rees

Over the summer bonds were in vogue, with strong fund inflows as protracted trade disputes hurt global growth. As central banks put interest rate cuts back on the agenda, bond prices rose. Bonds are certainly no longer cheap, and in September have surrendered some of their gains, so do they still warrant a place in a diversified portfolio?

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FTSE Index changes-sign of the times?

Published on 12 Sep 19 by Liz Rees

The latest quarterly review of the FTSE 100 attracted more attention than usual with Marks and Spencer losing its place in the prestigious index. This made me wonder whether the changes provide any interesting insight on trends in the UK economy. Which sectors and companies are on the up and which are not doing so well?

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Investing overseas helped UK investors avoid Sell in May adage

Published on 05 Sep 19 by Adrian Lowcock

The adage “Sell in May, go away and come back on St Leger day” is commonly heard amongst investors. Like any good saying there is plenty of logic to it and even some truth in it.

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Dividends: more important than ever?

Published on 29 Aug 19 by Liz Rees

Raising the dividend is seen as an indicator of the confidence a company has in its future performance. As the global economy shows signs of slowing, we examine the findings of the latest Janus Henderson Global Dividend Index (JHGDI) report. What does it tell us about the prospects for company earnings and dividends?

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Is a recession looming?

Published on 22 Aug 19 by Liz Rees

The stock market has been changing course as frequently as the weather in the last few weeks. Economic data has been mixed, and sentiment seems to swing on the latest tweet from President Trump. Now economists tell us that the recent inversion of the yield curve may signal a recession is around the corner. So what does this all mean and should we be concerned?

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Addressing risk

Published on 15 Aug 19 by Liz Rees

One of the reasons why Britain is a nation of savers rather than investors is because many people associate the stock market with a danger of losing money. However, there are different types of risk so this week we look at some ways to alleviate risk, and how it can also be rewarding.

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Liquidity in financial markets

Published on 09 Aug 19 by Liz Rees

A suspension of dealing in the widely held Woodford Equity Income fund, and difficulties relating to illiquid assets in two bond funds (GAM and H2O), has drawn attention to the issue of liquidity. The extensive press coverage may prompt investors to question whether other funds could experience similar problems.

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Does Bojo have the mojo to deliver Brexit?

Published on 01 Aug 19 by Liz Rees

Boris Johnson has fulfilled his ambition to be Prime Minister and made sweeping changes to the cabinet. He may not be everyone’s cup of tea but he convincingly won the support of Conservative Party members with his commitment to deliver Brexit by 31st October. 

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The fossil fuels dilemma

Published on 25 Jul 19 by Liz Rees

Oil & Gas is a large sector in the UK stock market and has been at the forefront of the global warming debate. Whether to embrace, or ditch, some of our biggest companies is a difficult decision for investors so here we weigh up the arguments for and against including fossil fuels in a portfolio.

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An update on the Inheritance Tax review

Published on 18 Jul 19 by Liz Rees

The Office for Tax Simplification (OTS) was asked to conduct a review of the complex and poorly understood Inheritance Tax (IHT) regime and invited both professionals and the public to submit their views.

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