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Hargreaves Lansdown drops exit fees for investors

Hargreaves Lansdown, the UK's largest DIY investing platform, announced the removal of its exit charges today and called for all its rivals to do the same. The move follows the lead of Interactive Investor and Fidelity, which have already scrapped the controversial fees that hinder competition by putting a barrier up for investors who want to switch to another platform.

Dutch bank ING surveyed more than 10,000 people across Europe, and found those who knew the most about cryptocurrencies were the least likely to be enthusiastic about them.

Investing in the fashion brands you love isn't always simple, as some favourite names are privately held, or only listed outside the UK. But you can use funds and trusts to get exposure.

This tracker fund has taken the gender equality concept to heart, backing UK firms that have a greater balance and beating the market since it launched in May 2018.

September 1 marked the start of the second year where those turning 16 become legally able to manage their own child trust fund and Junior Isa accounts.

The idea of buying carbon credits as an investment for a future where they have become the norm and are traded regularly may sound exciting - but for most people they should be avoided.

Analysts at Citi think the yellow metal could hit a record high of $2,000 within the next two years as sentiment around the world sours.

New ethical investment list probes 140-plus funds to help investors choose

To break through the usual jargon, Interactive Investor has split its 140-odd options into three categories - 'avoids', 'considers' and 'embraces' - to explain their dominant investing style. The list doesn't rate fund performance, but is an attempt at showing people the full range of ethical investments available.

Play This is Money's Fantasy Share Picking Game to win £20,000

We are offering readers the chance to win a £20,000 cash prize and £500 weekly prizes in our new Fantasy Share Picking Game to celebrate This is Money's 20th birthday. The game is free to play and all you need to do is pick the best performing shares over 12 weeks to compete for the grand prize - while you can also set up private leagues to challenge your friends, family and colleagues.

MIDAS SHARE TIPS: Here's a VERY hot tip, Filta fryer cleaner expert

In 1997 Jason Sayers, a keen 26-year-old cricketer, became captain of the Weybridge 1st XI. One of his cricketing pals worked shifts in a local restaurant and was badly burnt one evening, as he cleaned the kitchen fryer.  Sayers thought there had to be a safer way of doing the job than emptying hot oil into a bucket beneath the fryer. He scouted around and eventually found a factory in Harrogate that filtered engine oil. 

The more people own cats and dogs, the more they spend on looking after them, to the benefit of Dechra Pharmaceuticals, which makes and sells drugs for pets and other animals.

Trinity Exploration & Production owns fully operational oil assets, as well as some still in development, onshore and offshore in Trinidad.

A fund that invests in European companies - but excludes those listed in the UK - has some resonance in the current political climate, especially as the 'B word' has frightened off serious numbers of investors from touching the British stock market in recent months.

After the string of takeovers of British firms in recent months, who could be next to fall? Kingfisher might not be a bad shout, according to veteran analyst James Grzinic at Jefferies.

How to profit from investing in green energy and reducing waste

Could backing the new energy sector instead deliver the returns they desire, whilst also protecting the world we live in? We speak to Chris Tanner, of JLEN, Environmental Assets.

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Best stocks & shares Isas: Pick the best DIY investment 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.

Shares and investment trusts that rewarded investors with rising dividends

As two pieces of research this week highlighted it's not necessarily what an investment pays out now that matters - it's what it pays out compared to the price you bought it at. Simon Lambert looks at the list of dividend hero investment trusts with bumper yields for those who bought a decade ago and the FTSE 350 shares with payouts that beat inflation over ten years.

Capital gains tax on investments and the sale of property should be hiked to income tax levels, while the annual exempt allowance of £12,000 should be slashed to £1,000, says the IPPR.

Research from AJ Bell looked at the yield buying into a trust ten years ago would deliver now based on the share price back then and the dividend payout today.

The value of the tracker fund will be backed by real gold, locked away in The Royal Mint's high-security vault close to Cardiff Airport.

Over this time, investors have watched the value of their nest eggs dwindle as the fund has tumbled by 16 per cent from £3.7 billion to £3.1 billion. But he still refuses to waive the fees he is charging.

Be cautious of 'Your Isa', the 8.4% a year 'asset backed' Isa advertiser

But savers need to be cautious. The company behind the site Global Property Markets is not an Isa provider but a lead generator, which - as it admits - is not authorised by the Financial Conduct Authority. It has one director and has been around since March 2018.

Investors can do nothing to affect the outcomes of things like Brexit. Instead, experts say savers should look beyond Brexit, and make long-term investment decisions to achieve stable returns.

The beginning of September marks 80 years since the outbreak of the Second World War; we take a look at the investment trusts that survived it.

Neil Woodford's investors in his suspended fund can no longer see a full list of holdings, but the fund's interim report covers the six months to the end of June. We ask experts to look at what was going.

Few savers would have spent New Year wondering how to invest their nest-eggs for the months ahead. It would have been a fruitless task anyway, since the year has been full of surprises.

A plummeting pound, volatile bond and stock markets, a superpower trade war, a looming global recession, and political turmoil over Brexit - it's only human to be rattled in the face of all that.

The dormant assets scheme has handed some £600million to charitable causes since legislation on inactive accounts was passed in 2008.

TONY HETHERINGTON: Barclays' delay on mining certificate cost me £10,628 

In 2016, I held shares in mining company Amari through Barclays Stockbrokers. Amari was bought by Australian company Perseus Mining on terms that included giving me warrants exercisable at 44 cents. For two years I pressed Barclays for my warrant certificate, to no avail. In 2018, Perseus shares rose to 50 cents, meaning I could buy at 44 cents and immediately sell at 50 cents, but I could not as Barclays had still not produced the warrant certificate.

Graphene - a wonder material that is tougher than a diamond and thinner than a flea's hair - has the potential to revolutionise the world.

Many housebuilders have seen their value drop because of worries about Brexit, the economy and rising costs. But Barratt's shares have surged by 19.8 per cent.

How many funds should an investor hold?

Investing through funds and trusts gets you diversification, and gives you exposure to many asset classes, markets and strategies. But how do you distribute your savings across them, to build a portfolio that's spread widely enough to mitigate risk and achieve your goals - while dodging rookie traps like duplication or simply holding too much to comfortably manage.

In some instances, the funds - all multi-billion pound vehicles a year ago - have shrunk in size by more than half as investors have liquidated their holdings and headed for pastures new.

The lower pound is making a lot of people wealthier, analysis shows  

UK investors holding overseas equities could have seen their investment lifted by nearly 14 per cent since the EU referendum due to the drop in sterling. Data shows the S&P 500 has returned 61.87 per cent in sterling since 1st July 2016, even though the index only made a gain of 48.26 per cent in dollar terms, a difference of 13.61 per cent.

Tom Stevenson of Fidelity International offers his thoughts on seven of the most popular 'safe havens' and whether they can provide you with shelter from the storm.

A number of asset managers have launched their own funds following the Sustainable Development Goal framework. Can they really make a change and can they deliver the returns?

What is a yield curve inversion? Will there be a recession?

This week, traders were spooked by a US 'yield curve inversion' which signals unusual behaviour in the government bond markets, and is often a harbinger of recession. The inversion occurs when market players demand higher interest rates for loaning a country money in the short term than they will over the long term. We look at what this means, whether a recession is coming, and how individual investors might respond.

For investors with money in shares and investment funds, the temptation will be to bale out before matters get worse. But investors should not act in haste.

The unguarded comments provide a rare glimpse into the world of one of the biggest names in London's secretive hedge fund industry.

In 2012, they also received shares worth £200 million at today's price in an ownership shake-up. They sold some of them for nearly £120 million last year.

Scores of scorned investors continue to contact the MoS, calling for Woodford, one of the few household names in the investment industry, to see sense and suspend the fund's fees.

The threat of a global recession is hanging over stock markets like the sword of Damocles, but it should not stop investors seeking income from a portfolio of shares bought for the long term.

Woodford Investment Management was unable to meet their requests because of the fund's heavy exposure to illiquid unquoted stocks, triggering its closure.

How and where to buy & sell cryptocurrencies like bitcoin

When it comes to buying and selling cryptocurrencies, it is the Wild West out there. This is Money guides you through wallets, exchanges and CFDs. We also reveal how one reader made a big profit buying and selling ripple - but it involved sending his passport and bank details to Slovenia...

Henderson Far East Income manager on the Investing Show

Income investors are always on the hunt for steady and strong dividends, but many of them would not consider Asia to be the place to go looking. However, Mike Kerley, of Henderson Far East Income has rewarded investors willing to back his investment trust with a solid stream of dividends combined with share price growth in recent years.

Tony Yarrow and Vincent Ropers, of Wise Funds, managers with a value and quality approach believe that when a Brexit solution is found UK shares will bounce back.

What can DIY investors learn from the Woodford blowout for how they manage their money, keep an eye on the funds they hold, and whether an investment trust would be better option?

We talk to David Coombs, of Rathbones, who sifts through the world's investments to find the pieces of the jigsaw needed to deliver good and reliable returns for investors.

The US is home to the world's most exciting companies, but also to some seriously overvalued shares, says Tom Becket, of Psigma IM. He looks at what investors can do and where else to invest.

The Sanford DeLand UK Buffettology Fund was one of only three UK All Companies funds to last year up, we speak to manager Keith Ashworth-Lord to find out how.

Top fund manager, Gresham House's Ken Wotton explains how he finds the best small cap shares and reduces risk.

Colin McLean, manager of the SVM UK Opportunities fund, says that he is backing British firms with good profit margins, solid business plans and something special in their product or service.

US smaller companies are consistently some of the fastest-growing and most innovative in the world, but are they still ripe for profits? We speak to Nick Ford, of Miton US Smaller Companies fund

On this episode of the Investing Show, we speak to Fidelity UK Opportunities manager Leigh Himsworth.

Britain's commercial property market can be as much of a soap opera as its residential one, but investment trusts such as Ediston offer a solid 5.5% dividend yield.

It is possible to invest your money with companies that are trying to answer the questions that the world is throwing at us. on Forster joins us to explain.

Brexit may be a worry on many people's minds but the UK is still home to companies - both big and small - that can deliver an inflation-beating return, says Rosemary Banyard.

Ten tips to help if you've never invested before

Investing is one of those things that most people know they should do and far fewer actually get around to until much later in life. But saving small and often is without doubt the easiest and safest way to grow your money over your lifetime and, ideally, build a nest egg to fund your retirement in the future.

The highest inflation rate for more than five years - at 3 per cent - is turning another screw on already squeezed family budgets, but here's how you can fight back.

New Lifetime Isas allow under-40s to save for a home and retirement at once, and the Government is offering free top-ups worth up to £32,000 if you max out your fund.

Coming into money is not something that happens often, but when it does, it makes sense to take some time to consider your financial situation and your options.

To help investors separate the income fund wheat from the chaff, investment firm Sanlam has picked its top 14 investments, along with those to be avoided.

History teaches us that bull runs never last forever and eventually markets will plunge into a bear territory, or even worse face a full-on crash. Here's how to protect against that.

What amount of seed money is ideal, how long should you be prepared to lock it away, and what should the general state of your finances be before you enter the world of investing.

Investment trusts are companies whose shares are listed on the stock market. It means they can be bought and sold as easily as shares in any listed company - and their price is monitored online.

First, like all investments and shares, they should only be bought if you plan to invest for the long term. Returns are never guaranteed - and the value of your investment can fall.

How to research an investment fund

Investment managers have to produce factsheets of important details like charges and performance for each of their funds in a standard format that makes them easy to compare. Known as 'key investor information documents' or KIIDs, these can be a useful starting point.

How do I research an investment trust?

We look at what new investment trust 'key information documents' provide to investors. Financial expert Adrian Lowcock of Architas talks This is Money through which parts of the documents are most worth investigating, and how to use them to research investment trusts.

How to invest to make your money work harder

Our national obsession with squirreling savings away in cash deposits rather than choosing potentially higher-earning investments costs households more than £30 billion in lost returns. But investing doesn't mean that you have to take a huge gamble with your savings pot, we explain how to get started and make your money work harder.

Stock market investment can seem scary and complicated, particularly if you have only ever used ordinary savings accounts at banks and building societies.

Alternative Investment Market shares are still not for the faint hearted, but they can provide diversification and potentially enhance portfolio performance, says Rebecca O'Keeffe.

Investing for income can be about harnessing the power of dividends to boost your investment returns, or using the stock market and bonds to increase what you have to spend.

In our series we are looking at the issues surrounding investing for income. In this second part we look at why both income and growth matter.

How do your bank's investing and advice services stack up?

Britain's biggest banks axed or scaled back investment services following a clean-up of the financial industry that banned cosy backdoor commission deals four years ago. But now most banks are bringing back investment options for customers under the new regime. We round up what the top players are offering and what it costs.

You might invest, but do you have a a clearly defined plan of what you are investing for and how you plan to do it. If you're anything like me the answer is 'no'. So here's how to get one.

At a time when we are living longer and need to finance our own later life, the industry needs to be encouraging people to invest, not putting barriers in their way.

How to invest your pension in drawdown

While many people dislike the idea of an annuity, the alternative means keeping your pension invested in retirement and managing it yourself - a process that can be confusing and full of pitfalls. So here's a checklist, from investing, to income, taxes, the state pension, inheritance, illness, financial advice and much else.

My son has just turned one and my husband and I would like to use his birthday money to open an investment account for him. So who should we invest with? And what should we invest in?

While every saver is different, there are a few golden rules that everyone should stick to when it comes to investing for retirement. Here we run through some of the prime principles...

What do cryptic investment fund names mean?

Investment fund names are often a baffling mixture of impressive but vague words, which mean little to people who aren't already clued up on financial jargon. People hoping to boost their savings by buying a fund or trust face a steep learning curve, unless they're lucky enough to have a friend in the know or are willing to fork out fees to a financial adviser. We offer a short cut, and explain what all the fancy terms really mean.

Global government bond markets are vast and affect everyone who pays tax, saves or invests. We unscramble the jargon used by industry insiders to help everyone else fathom what's going on.

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.

   

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 1324 votes
  • UK 3544 votes
  • Europe 505 votes
  • Emerging markets 1184 votes
  • Japan 447 votes
  • China 410 votes
  • India 867 votes
  • Smaller companies 683 votes

Now share your opinion

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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

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