Par alnlewis27 le 11 Juillet 2006 à 07:29
Investing in funds and investment trusts is the route often recommended to small investors by the experts.
Picking individual shares means you need to do plenty of research and spread your risk carefully, whereas buying a fund allows investors to pool their money with others to access a range of investments and avoid putting all their eggs in one basket.
There are a variety of ways to do this, from the most popular 'fund' options, to investment trusts and exchange traded funds.
Some tap into professional's expertise while others simply track a certain index, some follow popular markets while others allow access to obscure and adventurous corners of the world.
We explain what funds are, how to invest, and how to save money by using a DIY investing platform.
What are funds?
When investors talk about funds they are typically referring to either unit trusts, or open-ended investment companies, Oeics.
This jargon may make them sound complicated but they are essentially just funds where investors' money is pooled to invest in shares, bonds or other funds.
The idea is that as the fund invests in lots of different companies' shares or bonds, the risk of you losing all your money is less than it would be if you were in a single company's shares.
Similarly, most funds will have a fund manager. This will be someone, typically with substantial investing expertise and experience, who will aim to beat the market and provide the best return for investors (although, often they do not manage to do so.)
When times are good a fund manager aims to do make higher gains than their peers, when times are bad a good manager will come into their own by continuing to make money, or just not losing as much as their peers.
Investors have to make a minimum investment, usually £500 to £1,000 to access a fund, and their investment will either go up or down in value depending on how the assets it has bought have performed.
Funds typically have two versions: and accumulation class (acc) which rolls all dividend income back into the fund to boost growth, or an income class (inc) which pays out dividends to those who wish to have them as income.
Investment funds, the typical term for Oeics and unit trusts, carry two sets of charges - an initial charge, which can take a chunk of your money when you put it in, and annual management charges, which go towards the cost of paying the fund manager and running the fund.
Initial charges can be up to 5 per cent but are easily avoidable through a good broker or platform. You do not want to be paying these.
Annual management charges vary, but were traditionally about 1.5 per cent with half of that going to financial advisers and platforms that sold the fund.
Financial regulations stopped these payments for new investments and new clean funds have been brought in, which typically charge 0.75 per cent to 1 per cent and pay no commission back to advisers or platforms
The arrival of clean funds has delivered a somewhat baffling array of types of the same funds. Each tends to have a letter than follows and there is little consistency as to what they mean. If you are looking for the new clean fund then you want what is called the unbundled version, the higher annual management fee types are called inclusive.
Annual management charges are taken from your investment every year and act as a drag on its performance.
Investment trusts, explained in more detail below, have typically had lower charges and did not pay any commission to advisers or platforms.
The annual management charge is not the true cost of investing, however, a closer estimate is the total expense ratio or its replacement measure ongoing charges.
The best way to invest is through an Isa wrapper which shields your investments and their growth from the taxman.
Par alnlewis27 le 7 Juillet 2006 à 10:38
Personal identification information
MWI Consultants Inc may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources the company makes available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. The company will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.
Non-personal identification information
MWI Consultants Inc may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers’ utilized and other similar information.
Web browser cookies
How the company use collected information
MWI Consultants may collect and use Users personal information for the following purposes:
* To run and operate our Site
MWI Consultants may need your information display content on the Site correctly.
*To improve customer service
Information you provide helps us respond to your customer service requests and support needs more efficiently.
*To personalize user experience
MWI Consultants may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
*To improve our Site
MWI Consultants may use feedback you provide to improve our products and services.
*To send periodic emails
MWI Consultants may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests.
How the company protects your information
MWI Consultants adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Sharing your personal information
MWI Consultants do not sell, trade, or rent Users personal identification information to others. MWI Consultants may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.
Par alnlewis27 le 5 Juillet 2006 à 03:19
Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the www.mwiconsultants.com website (the "Service") operated by MWI Consultants ("us", "we", or "our").
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
Links To Other Web Sites
Our Service may contain links to third-party web sites or services that are not owned or controlled by MWI Consultants Inc.
MWI Consultants Inc has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that MWI Consultants shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.
MWI Consultants Inc strongly advises you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.
These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements the company might have between us regarding the Service.
MWI Consultants reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material the company will try to provide at least 15 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
Our Terms and Conditions agreement was created by Terms Feed.
If you have any questions about these Terms, please contact us.
Par alnlewis27 le 4 Juillet 2006 à 07:29
Primary Investment Products
To assure our clients that MWI Consultants Inc deliver to them the best service possible, MWI Consultants Inc offer a complete selection of advantageous financial products. Our Account Managers stand always ready to recommend which products are of most benefit to you and your portfolio.
Investing so heavily in just one country could mean your portfolio could be adversely affected in case that particular market falls. Byinvesting globally, you can distribute your risks and exploit such regions and industry sectors that have strong markets.
Gilts & Bonds
Gilts and bonds provide an advantageous way to acquire a more predictable and consistent return on your investment. Aside from being easy to buy and to sell, many of them also come with capital-gains tax exemption.
Funds are a bundled type of investment that allows you to invest indirectly in corporate shares or other investments, such as bonds or shares. Oftentimes, they can also be contained within a tax-efficient ISA cover.
Exchange Traded Funds (ETFs)
Exchange traded funds (ETFs) are a security that monitors a commodity, an index, or a collection of assets, but trades like stocks on an exchange. Likewise, they are more-or-less secure, cost-effective way of investing in the gold-bullion sector.
Exchange Traded Commodities (ETCs)
ETCs are handily traded investments offering easy access to hard-to-access commodity markets. They fit into a vast selection of risk profiles as well.
Structured products include synthetic investment instruments, created to satisfy particular needs not provided by standardized financial instruments. They provide opportunities to invest in otherwise hard-to-access assets or take a risk-conformed exposure to traditional assets.
There are many different classes of foreign exchange investments options ranging from pot exchanges to forward exchange contracts, including option dated forward exchange agreements.
Issued by financial agencies, covered warrants include flexible tools offering leveraged exposure to a broad selection of underlyings, such as baskets, equities, indices, currencies and commodities.
Contracts for Difference (CFDs)
CFDs is a leveraged ‘derivative’ product which offers the potential to trade on live-market price movements without physically holding the underlying instrument.
Financial Spread Trading (FST)
Financial Spread Trading lets you speculate on the rise-and-fall of international financial markets and delivers a tax-efficient option to other trading alternatives, such as share dealing.
Turbos monitor an underlying asset, often a European currency or index and gives investors a way to acquire full exposure to an asset’s price. They also include a "knock-out barrier" and, therefore, offer limited downside risk.
New issues opens options to access investments before they are traded on the market and come in two major forms: New Retail Bonds or Initial Public Offerings (IPOs).
Aside from bank and building society accounts, cash investment also involves bank deposit certificates and cash funds offered by fund managers.
Par alnlewis27 le 30 Juin 2006 à 03:39
The Foundation of Efficient Investing
Research serves as the foundation of what MWI Consultants Inc does. For us to be able to provide the best and most suited strategy for your portfolio, MWI Consultants Inc aim to work only with the most qualified and capable professionals.
To determine the best options in the market, our research-and-analysis teams work hand-in-hand with our account managers to assess your investments and offer valuable insights into the securities you have chosen.
To assure that you always receive up-to-date information pertinent to your portfolio, our research teams will deliver fresh and consistent confidential reports, including recent developments and market patterns affecting you and your investments.
Individual Stock Analysis
MWI Consultants Inc provides individual stock evaluation for Developed Market as well as for Emerging Market equities. Our team can develop an equity-model portfolio customized to fit your needs and help you come up with educated investment decisions.
Furthermore, all securities analyzed are converted into holdings within our Discretionary Portfolios. Our equity research is also strictly managed by the Structured Products team by consistently covering stocks designed using derivative structures.
Specialized Research Teams
MWI Consultants Inc advisory teams consist of expert financial professionals with broad institutional research experience. MWI Consultants Inc pays close attention to your requirements and provides simple, direct recommendations on the best-suited strategy for your individual situation.
To assure that we obtain the most relevant and well-informed macroeconomic perspective, we collaborate with specialized analysis teams in various sectors. This serves as the foundation of all of our recommendations, whether we deal with bond, equities, funds or alternative investments.
MWI Consultants Inc likewise take full benefit of the knowhow and experience of third-party industry leaders in order to provide you regularly with the broadest possible access to expert advice, while at the same time acquiring the excellent insights.
Clear, Transparent, Up-to-date Advice
MWI Consultants Inc appreciates how important it is for you to know your portfolio is under the expert and attentive care of qualified managers. Hence, we assure our clients that all research and analysis data are provided to you using clear, transparent and uncomplicated manner.
MWI Consultants Inc also aims to identify the primary options, trends and developments that affect you. Our team will collate and analyze information pertinent to any possible traded asset type in order to make sure that you obtain only the freshest and relevant advice.
Suivre le flux RSS des articles de cette rubrique
Suivre le flux RSS des commentaires de cette rubrique