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 ...

Investment volatility: Should you respond?

Over the course of 2019, your investments may have seen a lot of volatility. Caused by uncertainty and tensions that look set to continue into 2020, it’s likely to be a similar picture over the next 12 months too. Whilst it can be tempting to think you should react to investment values rising and falling, sitting back and thinking about your long-term financial plans is often the best course of action. There are numerous reasons for volatility, with many outside factors affecting the value of a company. This year has ...

Risk and volatility: What do they mean when investing?

When you’re investing risk and volatility are terms that come up often. But what do they mean for your investment performance and should they have an impact on your decisions? We explain what the terms mean and what to consider as you make investment decisions. First, whilst it can seem like the terms ‘risk’ and ‘volatility’ are used interchangeably, they do have different meanings and effects on your investments. Understanding the difference is important for calculating which investments match your goals and comfort level. Risk: This refers to the probability that ...