The shocking truth about investment fees
25 February 2015|3 min
Independent research from Numis Securities has exposed the fees for discretionary fund management in the UK. It makes for pretty shocking reading. We dug a little deeper into the numbers and found that expensive fees could cost you almost 40% of your portfolio’s value over 20 years.
Eight ways to potentially boost your investment returns
17 February 2015|4 min
When investing, you can never guarantee the returns you might get, but there are things you can do to boost the potential for a positive outcome. Here are eight guiding principles that could help manage your risk and improve your chances of achieving reliable long-term returns.
How Nutmeg customers are investing towards their life goals
23 October 2014|4 min
Having a goal in mind can really help you focus your investment strategy. At Nutmeg, we see some fascinating patterns emerge when we look at the kind of goals our customers are working towards, particularly when viewed alongside the level of risk they opt for and the amount they are aiming to accrue. We also see a number of trends between men and women and across different age groups.
The ups and downs of the stock market
29 July 2014|4 min
When stock markets are volatile, a natural instinct is to sell, or move your investments. But, as history tells us, this could really damage your future returns. Standing firm and resisting the temptation to tinker with your portfolio as its value shifts – when it’s up, as well as when it’s down – is the cornerstone of successful long-term investing.
Four types of emerging market debt
13 May 2013|4 min
Many investors are well aware of stock market opportunities in developing economies – so-called Emerging Markets. EM equity funds are always found in the top 10 best-selling lists of funds with private investors, despite considerable underperformance in EM equities compared to developed markets.
What are the pros and cons of different cash savings accounts?
9 April 2013|4 min
The bad news is that no non-ISA cash accounts beat the current rate of inflation. With the latest Consumer Prices Index standing at 2.8 per cent, a basic rate taxpayer would have to find a savings account paying at least 3.5 per cent to negate the effects of tax and inflation. A higher rate taxpayer, meanwhile, would have to find an account paying at least 4.66 per cent. Such rates simply don’t exist at the moment.
Do you know more about personal finance than a 16-year-old?
9 April 2013|5 min
The All Party Parliamentary Group (APPG) on Financial Education for Young People recently produced questions that test what it thinks GCSE-age children should know. Would you get an A*? Or are you nearer the bottom of your class?
What unusual things do people invest in?
4 December 2012|4 min
Many things lose their value the moment you own them. A new car famously plummets in price as soon you drive it out the garage, typically losing half its value in just three years. Few people will pay top price for an old jumper, a well-thumbed book or a second-hand half-pint of beer.