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How Should You Respond to the Recent Interest Rate Cut?

With inflation and the cost of living continually rising, the decision of the Bank of England to slash interest rates has caused obvious consternation in the UK. There was hardly much fat left to trim on the savings rates anyway, but banks and building societies nationwide are now trimming their rates further in order to cope with the changes. As a result of this, thousands of standard savers across the UK are being forced to react quickly and in a proactive manner if they are make the most of their earnings. How to Respond to the Recent Interest Rate Cuts in...

Social Trading and the Novice Investor

Not since the 1990's with the advent of online trading — and the availability of the demo account — have novice investors had it so good. Being able to set up a fantasy portfolio and have its performance tracked automatically allowed those new to the investment game to take an interest and learn the ropes of investing, without risking a penny of their heard-earned. Many a succesful investment career can be traced back to a 1990's demo trading account. But following a demo account and operating a profitable live trading account are two entirely different beasts. Tracking a portfolio is one thing but as...

EIS or SEIS: What’s Right For You?

by Charles Owen, Founder & Director, CoInvestor In the post-Brexit investment climate of volatile equity markets and, as looks likely, even lower interest rates, smaller companies look set to emerge as an increasingly attractive proposition. In addition to these factors, the UK government continues to offer tax breaks to encourage private investment in smaller firms. Two initiatives in particular – the Enterprise Investment Scheme (EIS) and the more recent Seed Enterprise Investment Scheme (SEIS) – are worth a closer look. While EIS and SEIS are broadly similar in terms of tax relief counted against investment, being favourable income tax breaks and the...

Social Trading Webinar Series

For those of you new to the world of trading, there's no better way to learn the ropes than to follow the trades of a seasoned pro. Enter social trading. As the name implies, social trading adds a community element to the art of trading. By opening a social trading account with ayondo — recognised leaders in the burgeoning social trading niche — you can begin to follow the trades in real time of any number of seasoned trading professionals. Choose who to follow based on trading styles and recent track record and when you're comfortable with a potential trade, you're able to...

How to Simplify Your Trading Efforts

While many continue to speculate about the future of the EU post-Brexit, this continued discussion and uncertainty only seems to make the financial markets more volatile. After all, the threat of uncertainty is arguably more divisive than the outcome of the EU referendum itself, as traders often find a way of adapting their portfolios and prospering even in a depreciating marketplace. The key to this type of simplicity, as you continue to implement a simple and carefully-considered plan that is based on knowledge, insight and your underlying philosophy. How to Simplify Your Trading Efforts Of course, some of you may find it...

House Price Rises: Is now the right time to invest?

According to a recent article in The Telegraph, house prices have risen by '9.7pc in the year to February'. This has supposedly been driven by a number of different aspects in the housing markets, which in turn has led many to question whether or not this is the right time to invest in property. In this post, we take a closer look at what these reasons are for the aforementioned price increases and look at what options there are available for those looking to buy. A lack of housing One main reason for the rises – as the Telegraph piece alludes to -...

Investing Basics – Where to Start

Whether you’re saving for a house or preparing for retirement, investing your hard-earned cash could prove extremely beneficial. Not only will it help you reach your financial ambitions but by making long-term investments you could enjoy returns that’ll set you up for the future. Of course, the very nature of investing means your money can go up as well as down, but if you’re keen to navigate the stock market, here’s where to start. Open a stocks and shares ISA If you’re new to investing, opening a stocks and shares ISA could be a good place to start. Not only will you...

The New Help to Buy ISA: A Powerful Tool for First Time Buyers?

One of the most significant challenges that first-time home buyers face when they are preparing to buy a property is trying to save up enough money for this purchase. Competitive loan terms may be available to provide you with a large portion of the funds necessary to make your purchase. However, you will still need to come up with funds for your down payment and closing costs. The good news is that the UK government has now made it easier than ever for first-time home buyers to save for the funds needed for their first home purchase. When you take...

Comparing Fundamental and Technical Analysis

The foreign exchange market is the largest financial market in the world, trading around $4 trillion every day. Hundreds of thousands of people around the globe invest their capital in various currency pairs, all with one single, shared ambition: to turn a profit. Their goals may be the same, but that doesn’t mean that their methods of trying to achieve them are as well. There are hundreds of different strategies employed by traders and affected through brokers like OANDA, with no two game plans ever sharing the same exact form and function. These methods have often been carefully honed over the...

Investors Get Bullish on the Greenback

An Insatiable Appetite for Greenbacks As a currency trader, it is hard not to get excited about what is currently taking place in the forex market. The Federal Reserve Bank and its chairperson – Janet Yellen – have spurred a flurry of bullish investor sentiment vis-a-vis the USD of late. With the American economy in full swing and the positive effects of quantitative easing evident, the time has come for stabilization and enhanced growth policies to be enacted. Talk of increasing the interest rate by June 2015 has got the entire financial world scrambling to purchase USDs. Recently, a Commitment of Traders...

Understanding the Tax Benefits of SIPPs

Self-invested personal pensions (SIPPs) are widely acclaimed as one of the most tax-efficient means of saving for your retirement. They have many benefits besides this, from increased flexibility to greater control, but it is the tax boons that draw people more than any other factor. A SIPP could significantly increase the capital you get to retire on, and that makes them a fantastic option for some. If you're beginning to consider life after work, read on to find out more… SIPPs and Tax Relief The amount of tax relief you'll be awarded by virtue of your SIPP is dependent upon the rate of...

Managing Your Personal Finances

Much in the way that online shopping is now an integral part of the world of commerce (with UK residents among Europe's highest online spenders), online trading is now a fully-fledged part of the world of finance. Due to this, if you're looking to manage your finances, you have to look online as well as on the high street. Whereas once actions like trading stocks and shares was largely the domain of Hollywood movies, nowadays, you can do it from the comfort of your own living room. Here, we rundown just a couple of ways that you can better manage...