Your guide to National Savings and Investments

Back in January, we asked ‘Do Premium Bonds make a good gift for children?’ But National Savings and Investments (NS&I) offer other products too. What are they and should they hold a place in your portfolio? A brief history of NS&I First though, a brief history. Established in 1861 and formerly known as the Post Office Savings Bank and National Savings, NS&I currently has 25 million customers and investments worth £167 billion. By investing in NS&I you are effectively lending money to the government. It is this that accounts ...

Bull and bear markets explained

The year so far has seen the end of a decade-long bull market, the start of a bear market, and a potential bear market rally. But what do these terms actually mean? And how do they impact on your investments and your long-term financial plan? What are bull and bear markets? First off, some definitions A bull market – The general rule of thumb is to look for movements in investment prices of 20% or more in either direction, held over an extended period. Rising prices signify a bull market. A bear ...

What is ethical investing, and should I be doing it?

Whether factoring your carbon footprint into your choice of holiday destination, picking your energy supplier, or thinking about the food you put on your table, ethics might be playing an increasingly large role in the decisions you make. With David Attenborough, Greta Thunberg, and Extinction Rebellion putting climate change in the headlines, it’s also firmly on the political agenda. In the world of finance, ethical investment – focused on environmental, social, and governance factors – is also on the rise. Investor Chronicle recently reported that ‘£4.5 billion ...

How to use a Bare Trust to build a nest egg for your child

If you’re looking to build a nest egg for a child you might be considering a Bare Trust. Trusts are a great way to manage assets intended for other people. They can be set up to protect or pass on family monies, or to hold benefits for someone too young to handle financial affairs themselves. Here’s your guide to Bare Trusts. What is a Bare Trust, and when might you choose one? A Bare Trust is a simple, legally binding way for a trustee (you) to hold assets on behalf of a beneficiary ...