Mutual Funds

Introducing Mutual Funds

Mutual funds are collective investments that pool investors’ money to buy and sell shares or other assets to maximise profits and reduce risks.

Types of fund are Unit Trusts, Open Ended Investment Companies (OEICs) and Investment Trusts.

Investment funds deliver an instantly diversified investment with decisions made by a professional fund manager.

There are over 2,600 unit trusts and OEICs available in the UK, split between asset class, geography and sector.

Some funds seek to deliver income; others reinvest to deliver capital growth.

Since RDR the cost of ownership of actively managed funds – the ongoing charge figure, or OCF – has reduced by up to 50%.

About Mutual Funds

 

Simple – a readymade investment portfolio.

Choice – 2,000 unit trusts and open ended investment companies (OEICs) to choose from.

Easy – available via a range of investment platforms and fund supermarkets.choice
Diverse – funds spread risk to deliver diversified exposure to a variety of asset classes and industry sectors.

Expert – run by an investment professional who seeks to outperform the market.

Powerful – buying power can often achieve preferential terms.

Scope – exposure to most countries, regions, sectors, and asset classes.

Flexibility – ‘income’ funds make regular cash distributions of dividends, ‘growth’ funds reinvest and increase the unit value.

Cost effective – cheaper than buying similar exposure individually, and since RDR the cost of owning funds has fallen.

Transparent – the unit price of a fund is the value of the assets held (NAV) divided by the number of units.

Easy to research – KIID documents deliver all required investment and pricing data – see also DIY Investor.

Inside Mutual Funds

 

Inside Mutual FundsWhat are Mutual Funds?What is a Unit Trust?What is an OEIC?Selecting a Mutual FundFunds - the FactsInvesting in Funds

Inside Mutual Funds

 

We look at how mutual funds work and why you might consider them as part of your your investment portfolio.

We describe the differences between unit trusts and Open Ended Investment Companies (OEICs) and consider the benefits of a professionally managed portfolio that is instantly diverse in terms of the asset types and sectors it invests in.

Mutual funds can deliver income or capital growth and the large number of products available mean that you should be able to find the market exposure you want with an exposure to risk you are comfortable with.

DIY Investor suggests some of the key factors that may inform your choice and a wide range of investment managers share the vision diy metal3they have for their fund and why you might consider investing in it.

What are Mutual Funds?

 

Mutual funds are collective investments that pool investors’ money to buy and sell shares or other assets to maximise profits and reduce risks.

Different types of fund are Unit Trusts, Open Ended Investment Companies (OEICs) and Investment Trusts and they may concentrate on a particular market, asset class or sector.

Mutual funds deliver an instantly diversified investment with decisions made by a professional fund manager.

There are over 2,000 different unit trusts and OEICs available to investors in the UK, split between asset class (equities, fixed income and property), geography (UK Equity, North America and Emerging Markets), and sector (agriculture, energy and technology).

An investor can choose between funds that seek to deliver income and those that reinvest to deliver capital growth.
Since the 2012 Retail Distribution Review the cost of ownership of funds – now known as the ongoing charge figure, or OCF – has reduced by up to 50%.

 

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What is a Unit Trust?

 

Unit Trusts are collective investments, actively managed by an investment  professional who seeks to deliver market-beating performance based upon the quality of their investment decisions; they can be used by the DIY investor to cost effectively build a diversified portfolio of investments.

A fund may have investments in 50 or even 100 different companies in its portfolio, allowing you to obtain exposure to multiple stocks or bonds more simply than investing directly in the market yourself.

Unit trusts also provide access to asset classes that may otherwise be difficult to invest in, such as property, as well as in built diversification.

Unit trusts invest in a wide range of geographic markets, different asset classes in a range of industry sectors and can be bought and sold via most investment platforms.

Funds invest in one or more of the main asset classes – shares, bonds, property, cash and derivatives with differing weighting applied to each, and deliver a ready made investment portfolio.

 

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What is an OEIC?

 

An Open Ended Investment Company (OEIC) is broadly similar to a unit trust in that it is an open ended collective investment that expands and contracts the number of units in circulation according to demand.

Unlike a unit trust, each OEIC operates as a limited liability company, quoted on the London Stock Exchange and unlike the ‘unit holders’ that invest in unit trusts, those that invest in an OEIC are ‘shareholders’ in that investment company; because of this structure, OEICs are governed by company law rather than trust law.

Most new funds that are launched are established as OEICs and over time it is believed that many unit trusts will adopt the company structure.

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Selecting a Mutual Fund

 

An important first step for the DIY investor is to construct a financial plan.

Before you start selecting funds, that means deciding just what your investment goals are, deciding on your investment horizon, and perhaps most importantly making a judgment on the level of risk are you able to accept.

As rule of thumb, the further away your objective, the more risk you can accept in your portfolio, but it’s important you can sleep at night – never take on more risk than you are comfortable with.

By building a diversified portfolio you can protect against market volatility and ensure you benefit from growth stories wherever they occur.

Consequently, a well constructed portfolio will offer exposure to different shares, bonds, markets and sectors.

That can sometimes be difficult for investors to achieve – especially when they are starting out and beginning to build that portfolio; fortunately funds offer a solution since each one delivers a readymade diversified portfolio.

If you decide that investment funds are going to form at least part of your portfolio construction, there’s a wide choice available that can help you to achieve your goals.

 

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Funds – the Facts

 

A fact sheet is a key document that allows investors to understand a fund’s objectives, major holdings, investment strategy, costs and historical performance; to some it may suggest the future potential of the fund.

Fact sheets are available on issuers’ websites, they can be found on fund supermarkets and investment platforms and the DIY investor could do well to spend some time getting to grips with these important documents so that they are able to objectively research and compare and contrast funds they are considering.

 

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Investing in Funds

 

Many of those new to DIY investing start by assembling a portfolio of funds and investment trusts achieving instantly diversified investments at a reasonable and transparent cost.

Some prefer to let the experts take the strain and buy an actively managed fund while others will seek to track a certain index – some follow popular markets such as the FTSE100 whereas others will look for more esoteric global opportunities.

Investing in a tax-efficient ISA wrapper is rarely a bad idea as it is one of the few opportunities the DIY investor has to make money whilst paying very little tax, and those advantages are explored elsewhere on this site.

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13th


Mar

‘Might does not make right, it makes reality’: Investing in Southern Africa

Douglas Chadwick sees signs of improvement in Zimbabwe and SA and considers options for investors

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27th


Feb

Positive impact stocks – sustainable and responsible investment (SIR)

Hamish Chamberlayne, explains the Janus Henderson Global Sustainable Equity Fund's approach to

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6th


Feb

Goldilocks, two bears and a bull

Richard Buxton tells his version of the classic 19th Century fairy tale.

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27th


Jan

Active vs. passive – who or what should make your investment decisions?

In the world of investing, the debate between active and passive rages on like no other, but which

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11th


Jan

India will make a virtue of patience in 2018

Avinash Vazirani, Jupiter Asset Management: Views on India in 2018

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8th


Jan

More political turmoil and dysfunction in 2018?

Jupiter's Independent Funds team reports a strong global economy but political uncertainty

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5th


Jan

Views on investing in 2018: ‘its all getting a bit pricey’

Edward Bonham Carter, Vice Chairman, Jupiter Asset Management

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29th


Dec

Fixed income in 2017 and prospects for 2018

Jenna Barnard of Janus Henderson looks at the major themes that could affect credit markets

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27th


Dec

Bitcoin: emerging asset or speculative mania?

Paul O'Connor of Janus Henderson Investors looks at Bincoin following the appearance of a futures

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25th


Dec

The Great British Trade Off – Trading vs Investing: Humbug switches to funds

Humbug's down £3970 but his new fund strategy seems to be, quite literally, paying dividends

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19th


Dec

European Smaller ‘Disruptor’ Companies Punching Above Their Weight

Ian Ormison of OM Smaller Companies Fund looks at interesting investment opportunities among

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26th


Oct

European smaller companies punching above their weight

Ian Ormison of OM Smaller Companies Fund looks at interesting investment opportunities among

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22nd


Sep

Smaller companies – bigger returns?

Liz Rees of Willis Owen looks at companies outside of the FTSE 250 and those on AIM

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21st


Sep

Vanguard target DIY investors with active bond fund

US giant increases the pressure on UK brokers and asset managers with active fixed income bond

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18th


Sep

Investment styles – is there a catalyst for change?

Liz Rees of Willis Owen looks at the different investment styles adopted by funds and what may

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17th


Sep

Focus on Funds: How to select a fund

Georgette Harrison says there is some thinking to do before you get to the point of selecting a fund

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8th


Aug

Lifting the lid on Multi Asset Funds

An overview of the Multi Asset sector from Liz Rees, Head of Research, Willis Owen

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8th


Aug

Active versus passive investing – selectivity required

Janus Henderson Investors believes that active management is key to achieving investors objectives

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21st


Jul

The FCA Asset Management study: missing an open goal

TCF Investment's DAN Norman says sunlight is a great disinfectant

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19th


Jun

Introducing Janus Henderson Investors

Janus Henderson Investors exists to help clients achieve their long-term financial goals

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13th


Jun

Reform and structural change in India

Avinash Vazirani of Jupiter India Fund believes favourable circumstances there can deliver

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10th


Jun

UK Election 2017 – risks and opportunities

Janus Henderson investment experts look at the impact on their asset classes

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26th


May

Moore on Personal Finance: Ahead of the General Election

Francis Moore looks at the 'dementia tax', active vs passive investing and strolls down memory lane

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23rd


May

Why we are ‘short’ the US

The US stock market is presenting some interesting opportunities for Jupiter’s absolute return

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20th


May

The foundations of investing in infrastructure

Seeking income: Fiona Liu of Willis Owen looks at what to consider when investing in infrastructure

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27th


Mar

Europe in a world of ‘alternative facts’

Henderson's Tim Stevenson says Europe is in the eye of a very unfamiliar storm

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20th


Aug

Are property funds still worth considering?

Willis Owen Research Analyst Fiona Liu looks at property funds post-Brexit

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21st


Jul

Brexit – Initial Reactions From Jupiter Asset Management

Jupiter's Fund Managers Look at the Likely Effects and Opportunities Arising

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21st


Jul

Brexit – Initial Reactions From Jupiter Asset Management

Edward Bonham Carter, Vice Chairman

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15th


Jun

Not Shaken, Not Stirred: Woodford Pledges to Keep Calm and Carry on – in or out

It will be business as usual in Oxford as he won’t be changing a single constituent of his

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9th


Jun

Woodford Contemplates High Income Fund

Private investors and intermediaries polled to gauge demand for new fund launch

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1st


Mar

Going Global in the Hunt for Sustainable Dividends

Good quality companies can now be found paying dividends in a range of sectors around the world.

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10th


Feb

Now is the Time to Become a D.I.Y. Momentum Investor

How Saltydog's fund analysis helps momentum investors

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17th


Jan

Investing in Funds

How to purchase unit trusts and OEICs in the most cost-effective and tax-efficient way

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17th


Jan

Funds – the Facts

DIY Investor shows you what information is included in a fund fact sheet and how it can aid your

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19th


Dec

What is a Unit Trust?

DIY Investor's introduction to unit trusts

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17th


Dec

What are Mutual Funds?

DIY Investor's introduction to Unit Trusts and Open Ended Investment Companies (OEICs)

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18th


Nov

Jupiter Enhanced Distribution Fund

Alastair Gunn and Rhys Petheram provide an overview of the newly launched Jupiter Enhanced

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5th


Nov

Retirement Realities: What Lies Beneath the Income Gap?

A recent survey has revealed the gap between expectations and reality in retirement.

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27th


Oct

Stronger Together – Selecting an Investment Fund

DIY Investor looks at some of the options available to those considering investment funds.

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20th


Oct

The Road to Becoming a D.I.Y. Investor is Paved with Good Intentions

How Saltydog's fund performance analysis helps you make smart investment decisions

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11th


Oct

Multi Manager Diversity Range

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11th


Oct

What is a Multi-Manager Fund?

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11th


Oct

Getting Started – Saltydoginvestor

Introduction to the Saltydoginvestor

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10th


Oct

M&G Case Study – Ian, 57

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10th


Oct

M&G Case Study – Mark, 52

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10th


Oct

Retirement Challenges

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9th


Oct

Inside the Human Advantage – Part 2

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7th


Oct

Inside the Human Advantage – Part 1

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14th


Feb

Bonds vs Bond Funds

DIY Investor looks at the relative merits of different ways of buying exposure to bond markets

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5th


Jun

Price is what you pay, value is what you get

The listed private equity sector has seen discounts widen markedly, but does this present an

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5th


Jun

My World in June 2021: The Global Fund Manager

Part of a series of articles, Phil Clark describes how he thinks things will look a year from now.

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4th


Jun

A Year on and Woodford Investors Still Wait for Their Cash

With a large number of outstanding complaints to FOS, £500m remains stuck in illiquid assets

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3rd


Jun

Introducing Hedge Funds

DIY Investor attempts to demystify the complex and diverse world of hedge funds

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2nd


Jun

Focus on Funds: A guide to style

Comparing the management styles of funds that seek growth, value and quality

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2nd


Jun

Coronavirus: potential impact on income-generating funds

The coronavirus has caused major changes to many of our lives, it also has implications from an

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1st


Jun

Talking @ Home: Jackie Boylan, Fidelity International

Platforms, gender balance and escapism with Head of FundsNetwork and Richard Romer-Lee, Square Mile

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1st


Jun

Hard work pays off in the future, laziness pays off now: Thoughts of Saltydog Investor

Hydrogen powercell and electrolysis stocks have come back strongly - they 'must be the way forward

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31st


May

Investing Basics: DIY Investing in your 20s & 30s

Getting into investing is a smart idea to grow your wealth over time, especially in the

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28th


May

Which region of the world should I invest in – UK, USA, Europe?

Do you have home-bias? Investing in the UK or looking further afield

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28th


May

Investment Trusts: Price matters, or does it?

NAVs and share price histories both tell a tale, but we think the former has far more value as an

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25th


May

Talking @ Home: Jupiter Double Header

Square Mile's Richard Romer-Lee at home with John Chatfeild-Roberts and Phil Wagstaff

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25th


May

Focus on Funds: The cup and ball trick in bonds

James Robson wonders if the cup and ball trick has a role to play in modern bond markets

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25th


May

Focus on Funds: What enables an investment fund to outperform in difficult markets?

Hannah Barnaby believes that well run funds can outperform without punting on illiquid assets

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24th


May

The great debate: Active & passive funds

Tom Poulter of Square Mile looks at the relative merits of active and passive funds

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21st


May

DIY investing tips for Millennials: In memory of one of the world’s greatest investors

Vanguard founder John 'Jack' Bogle's guidance for those seeking financial independence

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20th


May

Talking @ Home: Mike O’Shea, Premier Miton

Talking communication and wellbeing at home with CEO Mike O’Shea and and Richard Romer-Lee, MD,

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19th


May

Harnessing the power of biotech for income and growth

With the pandemic causing panic in stock markets, investors may be looking for ways to tap into

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17th


May

Life as (Un)Usual: After the Lockdown, What Next for Investors?

What kind of world we will find when we are released – Which sectors will thrive and which have

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17th


May

It’s easy going green: how to change the world – and grow your money

Making money and protecting the environment are not mutually exclusive - enjoy excellent returns

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17th


May

Index Investing for the DIY Investor

Why low cost, passive investing could be the ideal solution for the time poor DIY Investor.

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16th


May

Scottish Mortgage: Staying the course

An update from the team at Scottish Mortgage as the COVID-19 crisis continues

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14th


May

Absolute Return Funds 101

Managing risk to deliver stable returns and diversification

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13th


May

The long run: experience is the key in volatile emerging markets

Trusting a fund manager with experience of selecting stocks successfully through crises could be

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12th


May

‘Exercise caution in your business affairs, for the world is full of trickery..’ Thoughts of Saltydog Investor

'...but let this not blind you to what virtue there is; many persons strive for high ideals, and

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11th


May

Investing in vaccines

Would you consider backing biotechnology and healthcare companies trying to crack the coronavirus

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11th


May

Talking @ Home: David Roberts, Liontrust

Talking bonds and reduced carbon footprints with the Head of Global Fixed Income at Liontrust

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9th


May

Is it time to be Back in Brazil?

As global markets have suffered in 2020, Brazilian stocks have been no exception. Could this be a

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8th


May

Talking @ Home: Chris St John, AXA Investment Management

Talking the thrill of the chase, ESG integration and exploding rocks

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8th


May

ESG: technology for good

The significance of ESG when it comes to investing in tech stocks

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8th


May

High Five: Simple Rules for Successful Investing

FT journalist David Stevenson shares his five rules for successful investing

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7th


May

Catching the flight to quality in India

Global factors are contributing to short-term volatility but the longer term outlook remains

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5th


May

Landmark year as ETFs celebrate 20 years

Twenty years on, the European ETF industry now has $1trn invested in 2,200 funds, from 70 providers

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4th


May

Talking @ Home: Colin McClean SVM Asset Management

Adapting a business to changing circumstances and the challenges of working remotely

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4th


May

‘An investor’s most powerful weapon is patience’*

Thoughts of Saltydog Investor - Douglas explains how his portfolios are set to benefit from the

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29th


Apr

Investing in a crisis: Worry, but don’t panic

The coronavirus is playing havoc with markets and our health and well-being; it is time to be

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29th


Apr

Strong performance for Liontrust as demand for sustainable investment grows

Asset manager adds £492m in assets and continues to grow as the crisis continues

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25th


Apr

Hold Fast for Income

Investment trusts' revenue reserves could make them a vital stronghold for investors facing UK

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24th


Apr

Making the World go Round: Investing in Infrastructure

James de Bunsen, of Janus Henderson’s Multi-Asset team, explains the attractions of

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23rd


Apr

What to do with your ISA allowance amidst market uncertainty

While keeping healthy is the number one priority, people are also concerned about the longer-term

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22nd


Apr

How is China slowly emerging from the coronavirus aftermath?

A resumption of economic activity is underfoot in China accelerating the digitisation of the economy

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21st


Apr

Beware the risk: the other side of investing

Return is the focus of most investment discussion - but risk is a vital part of the investing

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19th


Apr

Markets: An Asset Boom Could be on its way

Why has there been such a strong bounce before any sign that the economically catastrophic

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17th


Apr

Have markets got ahead of themselves?

Are recent gains just a bear market rally; and will they be given back?

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15th


Apr

ESG: Sustainable financial returns for long-term growth

ESG considerations are becoming more important for investors; what is BlackRock Income and Growth

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15th


Apr

Emerging Markets, Evolving Opportunities

When seeking new investment opportunities in emerging markets, your focus should be on companies

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14th


Apr

Keeping money in a Cash ISA is a wasted opportunity; DIY investing can be plane sailing

Douglas Chadwick of Saltydoginvestor explains why savers could consider becoming investors

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11th


Apr

Children of the Revolution – Part 1 – Best Performing Trusts in a Crisis

How and why certain investment trusts have done well in absolute and relative terms

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11th


Apr

Income diversification in the time of coronavirus

The role of diversification in an investment environment of continuing uncertainty.

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8th


Apr

What is an OEIC?

DIY Investor's introduction to Open Ended Investment Companies

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2nd


Apr

Technology stocks’ financial strength is key to weathering the coronavirus storm

Why the tech sector looks well positioned to brave the coronavirus-induced uncertainty

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1st


Apr

ISA Season: The importance of buying earners*

Our analysis shows that the impact of dividend contributions on long term returns is anything but

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25th


Mar

Thoughts of Saltydog Investor: I am starting to feel fed-up with feeling fed-up

Douglas' Tugboat Portfolio has ridden out three corrections and is set to make the most of the crash

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23rd


Mar

Their darkest hour? Investment Trust Discount Opportunities

Kepler Trust Intelligence updates it's shortlist of discount opportunities

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21st


Mar

UK equities: diversification is paramount in uncertain times

An update on the market amid the coronavirus outbreak and oil supply price war, as well as what may

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21st


Mar

Built for impact: The Global Sustainability Trust

The new trust aiming to generate long term capital growth and positive social and environmental

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18th


Mar

Should I consider ESG Funds in my ISA and SIPP?

Holly Thomas Suggests What to Consider as you Begin Your ESG Journey

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16th


Mar

Newsround: FTSE rocked, Trump imposes travel ban as Coronavirus bites

UK index posts biggest one day fall in 30 years, fears of global recession

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11th


Mar

Building a resilient portfolio

As the economic cycle matures and the outcome for the UK economy appears more uncertain, what

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9th


Mar

‘You see who is swimming naked when the tide goes out’: Thoughts of Saltydog Investor

Will Coronavirus trigger a correction, or a major market meltdown; will Douglas stick or twist?

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8th


Mar

Focus on Funds: Why Fund Fees Are Important

Investors often assume their most important choice is where or what those funds invest in; fees

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8th


Mar

Investing Basics: Unit trusts vs OEICs

Mutual funds not only differ in the sectors or geographical territories they invest in, there are

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29th


Feb

Momentum investing – how following a trend can work wonders for your retirement pot

Douglas Chadwick explains how DIY investors can make money in the stock market; ‘buy high and

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27th


Feb

Strategic Fixed Income — where are bond markets heading in 2020?

Is the decline in economic growth and inflation coming to an end and will we have an economic

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26th


Feb

Building a long-term real estate strategy

How ASI's UK Commercial Property REIT targets strong, sustainable and rising income return and

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24th


Feb

European equities in 2020: staying selective

John Bennett and Marc Schartz discuss the year ahead and the key themes that they look for when

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22nd


Feb

Sustainable equities in 2020 and beyond

Hamish Chamberlayne, Head of SRI at Janus Henderson, sees good reason to remain optimistic in 2020

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19th


Feb

Franklin Templeton to purchase Legg Mason

Tie-up of struggling asset managers is about ‘offence not defence’ says chief Jenny Johnson

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18th


Feb

Sustainable and Responsible Investment: Cobalt – saying ‘no’ to child labour

Examining the explosive demand for cobalt to power mobile devices and the many risks associated

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17th


Feb

Further Consolidation in Fund Space as Jupiter Buys Merian Global Investors

Defensive Merger as Both Companies Try to Arrest Outflows of Investment

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15th


Feb

Focus on Funds: The Evolution of Multi-Asset

Square Mile Research considers a diverse, vibrant and strongly growing area of the market

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13th


Feb

New managers braced as Woodford fund set to reopen

Just three of Woodford's original stocks have been retained as managers swap to larger companies

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13th


Feb

Free energy? You cannot get ought for nought: Thoughts of Saltydog Investor

Science always assumed there was no such thing as free energy; will that be so in the future?

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12th


Feb

A balanced approach to UK markets

Political uncertainty has weighed on the UK market, but there is real value to be found

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11th


Feb

Fantastic funds and where to find them

Which investment trusts have won a Kepler rating for 2020?

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10th


Feb

Ethical Investing: ESG Investments Deliver Strong Returns

Previously, investors putting their money where their values were may have missed out on returns;

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9th


Feb

Best-buy Lists: We need to Talk About Bad Press

Hargreaves Lansdown got plenty of stick for its relationship with Woodford; not all justified,

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6th


Feb

3,500 Hargreaves Lansdown investors seek legal action over Woodford

Investors seeking to recoup losses of 50-60% want to know why HL continued to promote doomed fund

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2nd


Feb

Markets: Is it time to run away?

With a sense of complacency in the air, Kepler's analysts debate the best ways to shore up your

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22nd


Jan

Man plans and God laughs: Thoughts of Saltydog Investor

Douglas is looking for clever companies, giving the world free 'green clean' energy

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20th


Jan

Property: Stable Doors and Gated Funds

Amid concerns over illiquidity, property funds are now holding higher levels of cash

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15th


Jan

Trapped investors’ anger at further delay; Woodford takes multi-million pound bonus

FCA to look at regulatory regime around liquidity and investment platforms' 'best buy' lists

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11th


Jan

The Dangers of Charts

Square Mile Research's Broomer says charts can be a useful tool for snake oil salesmen

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9th


Jan

Grow Rich Slowly with REITs

Long-term property returns derive from income and its compounding potential – that’s precisely

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5th


Jan

Reading the tea leaves ‒ what’s in store for China in 2020?

The key challenges and opportunities that investors in China may face in the year ahead

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4th


Jan

Crystal Balls – Investment trust picks for 2020 from Kepler

Drunk on our success in choosing funds to perform well in 2019, the team at Kepler Trust

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4th


Jan

Rule Britannia or Fool Britannia?

After an eleven year bull market, what impact will Trump's trade war and Brexit have on markets?

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3rd


Jan

Investment Companies: Discounts and premiums

Discounts and premiums are a central feature of investment trusts – this is how they work...

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2nd


Jan

Diversification – How Investment Trusts Access Specialist Asset Classes to Reduce Portfolio Risk

Investing in a range of assets, which react differently at different points in the market cycle and

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30th


Dec

Climate Change Front and Centre as Outgoing BoE Boss Issues Global Warning

Bank plans stress test on vulnerability of all financial assets to climate change

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29th


Dec

Technology – instinct is the nose of the mind: Thoughts of Saltydog Investor

There are record levels of investment in technology in the UK, with big returns to be found

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27th


Dec

Focus on Funds Issue 3: Strong and stable

Passionate about active investment management - unit trusts, OEICs and investment trusts

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25th


Dec

Investing Basics: Let income funds do all the work for you

If you are new to investing, one of the easiest ways to start investing and generating a regular

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21st


Dec

Investors in property funds take flight after M&G portfolio is suspended

Investors pulled out almost £200m as UK property funds suffered their worst period of redemptions

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21st


Dec

Investing Basics: A Simple Guide to Fund Pricing

Pricing a fund in a way that is fair to investors is complex – here are the basics

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20th


Dec

Investors and the clean energy revolution

The UK invested nearly £8bn in renewable energy projects in 2018 to create cleaner and greener

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19th


Dec

Millennials embrace ethical investing

Socially responsible investing - achieve a return on your investment without costing the earth

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17th


Dec

Beta clockers

Investors can hold physical gold alone, or enjoy the beta benefits of broadening their reach.

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20th


Nov

Investing in China: Notes from the road

Charlie Awdry gives a first-hand insight into the culture, company dynamics and consumer trends

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20th


Nov

Investing in funds using charts

Humbug now invests in funds rather than shares - here he explains how he trades momentum

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17th


Nov

Automation and AI – Humans Need not Apply: Thoughts of Saltydog Investor

With the General Election looming, Douglas is steeling himself for short-term effects, but still

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9th


Nov

6 of the best investment solutions for your capital

Harneet Bhari of SAMT AG considers funds, equities, gold, property, bonds and passives

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6th


Nov

FCA addresses issue of illiquid assets in open-ended funds post-Woodford

The IA is developing a a new structure called a ‘long-term asset fund’ for illiquid assets

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4th


Nov

Investing Basics: Letting Income Funds do all the Work

An income-paying fund is one of the easiest and quickest ways to start investing and generating a

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28th


Oct

Why Gatekeepers Need Europe Right Now…

Despite the government’s attempts to extricate the UK from the EU, as investors we remain

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15th


Oct

Ignominy as Woodford is Removed and Flagship Fund to be Wound Down

Fund administrator to separate good and bad assets to return investors cash; fears of heavy losses

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15th


Oct

Focus on Funds: What now for ‘best buy’ lists post-Woodford?

Recent events have highlighted flaws in the way best buy lists have been constructed and used

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13th


Oct

Lessons From the Fall of a Superstar Fund Manager

With the Woodford Equity Income Fund still gated, what can the DIY investor learn?

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9th


Oct

Mini Bond – Max Risk?

How RM Funds uses two separate structures to deliver liquidity and disclosure in its alternative

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6th


Oct

Fears of Illiquidity cause funds to shun alternative assets

FCA and the Bank of England act to prevent funds gating, but will investors be scared off?

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2nd


Oct

Fears of Recession: Gold, Global Bonds and Gatekeepers

Investors in fear of a global recession are rushing to buy gold and government bonds

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1st


Oct

Woodford faces the push after £232m write-down

Trust runs out of patience as write-downs cause share price to tumble

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19th


Sep

Investing Basics: How much research do I need to do?

Guest post from DIY investing platform Selftrade helping those new to stocks and shares

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16th


Sep

Focus on Funds: Passive Multi-Asset Investment

Low-cost, instantly diversified, professionally managed portfolios could be the answer for new

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8th


Sep

Focus on Funds: Fund basics -how to pick the right ‘share class’

How to avoid unnecessary fess and charges and get the returns you want.

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6th


Sep

Thoughts of Saltydog Investor: ‘To travel hopefully is a better thing than to arrive…..

......and the true success is to labour. (Robert Louis Stevenson)

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28th


Aug

Focus on Funds: The hidden dangers of passive investing

Equity tracker funds raise questions for capital allocation and economic growth

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21st


Aug

Saltydog Investor: ‘What has been is what will be…..

....and what is done is what will be done, and there is nothing new under the sun.’ (Ecclesiastes)

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19th


Aug

Focus on Funds: More questions than answers at Woodford

Introducing The Nimble Trader with a typically forthright 'deep dive' and how his system would have

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13th


Aug

Focus on Funds Magazine Issue 2

Passionate about active investment management; make informed decisions

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29th


Jul

Woodford – fund suspended until Dec; faces sack from WPCT

Woodford dumps £1m of trust stock as furious investors remain locked in his fund

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17th


Jul

‘Hello Vietnam’: Thoughts of Saltydog Investor

Why the VinaCapital Vietnam Opportunity Fund could benefit from the end of tariff wars

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15th


Jul

Diversification: Investing into UK residential property without a mortgage

Collective funds can give you exposure to property investing, without the hassle

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15th


Jul

Open-ended funds and liquidity – Vorsprung durch Technik ?

As Woodford fund is gated Cedric Bucher asks if we can learn anything from the Germans

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11th


Jul

Simple DIY Investing with Vanguard LifeStrategy Funds

A Low-cost, Flexible Investment Strategy for Life just got cheaper

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10th


Jul

Doing well, doing good: Understanding ethical investing

DIY investing platform explains how to achieve your investment goals whilst following your moral

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27th


Jun

Woodford Equity Income Fund; People are missing the point!

'UCITS should be some of the most tightly regulated in the world; what we have looks like a Ponzi'

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19th


Jun

Woodford Equity Income: Too big to fail

In a follow up Christian Leeming says 'this story goes from bad-to-worse'

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18th


Jun

FCA asleep at the wheel as Woodford ‘does an Arch Cru’?

City regulator in the spotlight as inglorious history appears to have repeated itself

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16th


Jun

Woodford fallout: FCA, platforms and analysts to be probed; BoE boss says choose blue-chip stocks for liquidity

Treasury Select Committee looking for answers; chance to nail the rules around advice?

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11th


Jun

Hargreaves Lansdown under pressure as Woodford fall-out continues

Best-buy lists added to the list of issues to face FCA scrutiny, including its own behaviour

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10th


Jun

Hedgies circle Woodford fire sale; HL boss apologises

short-sellers lick their lips as Woodford tries to re-position ill-fated fund

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7th


Jun

THE SECRET OF SUCCESSFUL TREND INVESTING

Douglas Chadwick of Saltydog Investor explains the theory and benefits of momentum trading

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25th


May

Survey suggests Socially Responsible Investing (SRI) is on the cusp of momentous growth

Millennials embrace ethical investing as environmental issues come to the fore

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21st


May

EPIC for income

Ediston Property Investment Company delivers monthly income with firm foundations

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19th


May

Active vs passive: fund performance fee model no help to transparency

Caution urged for DIY investors considering actively managed funds with variable fees

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14th


May

‘The industry’ gains as savers lose out: Thoughts of Saltydog Investor

Tax efficient wrappers are only of benefit if there are profits to be taxed - and other stories

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6th


May

Is there a piece missing from your portfolio?

Ned Naylor-Leyland explains why he believes gold plays an important role in a well-diversifed

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30th


Apr

Focus on Funds: Fundsmith Equity vs. Lindsell Train Global

Guest post as eminent DIY investor and blogger 'IT Investor' looks closely at two of his holdings

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30th


Apr

Investing in Modern Media

As new methods of communication and entertainment evolve, where are the opportunities?

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2nd


Apr

Please can we have more openness and visibility: Thoughts of Saltydog Investor

'Those that push this fund onto DIY investors should merit a public spanking from the F.C.A.'

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26th


Mar

Why multi asset for income?

A multi asset strategy seeks income and capital growth and to minimise the effect of market

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24th


Mar

Focus on Funds Magazine: Passionate about active investment management

A new publication dedicated to unit trusts, OEICs, and investment trusts; make informed decisions

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21st


Mar

Focus on Funds: Success factors for Multi-Asset selection

Selftrade has partnered with Square Mile Research to help DIY investors select the right funds

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17th


Mar

Investing Basics: Mutual Funds 101

Focus on Funds Magazine - Passionate about active investment management

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8th


Mar

RM Funds: Making the case for alternatives in uncertain times

Alternative Income Fund uses alternative investments to target capital preservation, income

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20th


Feb

Look into the eyes, the eyes, the eyes…Thoughts of Saltydog Investor

A nail biting time for investors as Brexit crunch-time approaches. Or not.

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14th


Feb

Property investing: UK Residential Market Outlook 2019

Alan Collett, of Hearthstone Investments' 'TM Home Investor Fund' looks at the prospects for the

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16th


Jan

DIY investing giant whittles down selected funds list to Wealth 50

Favourites lists to help investors identify well performing and appropriate collective investments

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18th


Dec

RM Funds: Targeting long term, stable and predictable returns

James Robson explains how RM Funds use lower risk real estate, infrastructure & alternative

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6th


Dec

The Great British Trade Off: Investor Humbug updates on a difficult autumn for everyone

In his Y2Q3 report Humbug notes the changing of the old guard as the US is challenged by China and

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24th


Nov

More a time for asbestos underwear than sunshades; Thoughts of Saltydog Investor

Looks like trouble ahead - 'we just buy the stuff that is going up and sell that which is going

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31st


Oct

‘Patience is your most powerful weapon’: Thoughts from the Saltydog Investor

Saltydog is 75% in cash, but is curbing his urge to reinvest before the time is right

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25th


Oct

Active vs passive: as the cost of actively managed funds falls, passives continue to grow

Report shows active fees have reduced by 20%, but ETFs and trackers continue to take market share

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23rd


Oct

Generating an income from investments

With interest rates on savings near zero, how can you find income generating investments?

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14th


Oct

Property investing: Whither the open-ended funds?

Adrian Elwood discusses alchemy in finance and the illusion of liquidity

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11th


Oct

Investing basics: How those seeking income can participate in the dividend bonanza

Dividends are at record levels; those seeking income can choose individual equities or UK Equity

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9th


Oct

Thoughts of the Saltydog Investor

The early bird sometimes catches the worm, but the second mouse always gets the cheese

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29th


Sep

ETFs Versus Old-fashioned Tracker Funds

Which of the two types of passive investing vehicle is right for you? asks Dominique Riedl, CEO and

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25th


Sep

The right to the pursuit of happiness: Thoughts from Saltydog Investor

As the battle rages, what will Brexit do to sterling, and what will the knock-on be for tech

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15th


Sep

Rethinking sustainable investing in the age of disruption

How do you build a long-term investment strategy whene technology and politics keep changing the

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11th


Sep

Consistency and patience in a changing world: Jupiter European Fund

Jupiter's longest serving fund manager's steady approach has returned 14.8% annual growth over ten

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1st


Sep

Technology stocks, Brexit? Saltydog is navigating by the stars

he's holding steady but Saltydog is nervous about tech stocks and the potential for a no-deal Brexit

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23rd


Aug

Change is nothing new: What does disruption mean for investors?

Simon Rowe of Janus Henderson looks at the impact of disruption in the internet era

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20th


Aug

Investing in funds using charts

Humbug - the 'investor' in The Great British Trade Off, explains how he aggressively invests in

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14th


Aug

Time to reassess as winding down of QE takes wind from the sails of gilts and bonds

Saltydog Investor to revisit 'Tugboat' portfolio as 'slow ahead' loses momentum

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12th


Aug

Humbug: Investing for a rich retirement has a good week

Seeking financial independence, Humbug adds £1626 in the week and is 7.7% up since April

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11th


Aug

Long-term investment strategy: Rethinking sustainability in the age of disruption

​How do you build a long-term investment strategy in a world where technology and politics keep

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1st


Aug

400,000 orphan clients ‘trapped’: Watchdog encourages shift to cheaper DIY investing platforms

FCA says clients could be paying thousands of pounds a year to stay on

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30th


Jul

The Great British Trade Off: Humbug (investing) is flat but Fagin (trading) is scorching + 45%

Humbug says calm is good; Fagin is on fire on the road to FIRE

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22nd


Jul

The Great British Trade Off: Humbug (investing) is flying; Fagin loses discipline

In pursuit of financial independence Humbug has a great week, but Fagin ignores his system

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18th


Jul

Thoughts of the Saltydog investor

The dollar set to rise; or fall! It's giving Saltydog the collywobbles

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14th


Jul

The Great British Trade Off – Humbug (investing) fights back

In his Year 2, Q1 report, Humbug reports on some big gains, but fears volatility after Chequers

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10th


Jul

Bond markets — expect a pickup in volatility for bonds

Andrew Mulliner highlights developments in bond markets this year and what he believes lies ahead

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28th


Jun

Unloved opportunities for the patient UK investor

UK equities are the most unloved they have been for some considerable time, says Richard Buxton of

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20th


Jun

Global SRI: spotlight shines on sustainability

Hamish Chamberlayne, Portfolio Manager for Janus Henderson’s Global Sustainable Equity Strategy,

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12th


Jun

DIY investors desert Woodford as Equity Income fund is downgraded

Fund disappoints investors with significant underperformance over 12 months - down 11% vs peer

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10th


Jun

Thoughts from Saltydog Investor

Seeking investment opportunities in geographical and technology areas of the future

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7th


May

Thoughts from Saltydog Investor

Does 'sell in May' still resonate? The Saltydog is still flirting with cryptocurrency

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25th


Apr

The modernisation of India over the past decade

Avinash Vazirani of the Jupiter India Fund looks at the key reforms of the last ten years

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17th


Apr

Thoughts on volatility from SaltyDog Investor

When seeking momentum Douglas Chadwick says its OK to be a follower

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13th


Apr

Technology stocks: solid demand underpins positive outlook

Janus Henderson's Global Technology team report upon a trip to find investable businesses in the US

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27th


Mar

A united Korea: the investment perspective

Jupiter's Ben Surtees considers the opportunities that could accrue from Korean reunification

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26th


Mar

Thoughts from Saltydog Investor

Douglas Chadwick wonders why fund houses wax and wane; and how to protect himself from Mr Trump

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13th


Mar

‘Might does not make right, it makes reality’: Investing in Southern Africa

Douglas Chadwick sees signs of improvement in Zimbabwe and SA and considers options for investors

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27th


Feb

Positive impact stocks – sustainable and responsible investment (SIR)

Hamish Chamberlayne, explains the Janus Henderson Global Sustainable Equity Fund's approach to

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24th


Feb

MiFID II 101

You’ll have received a letter from your broker and updated your details, but just what is MiFID

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6th


Feb

Goldilocks, two bears and a bull

Richard Buxton tells his version of the classic 19th Century fairy tale.

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27th


Jan

Active vs. passive – who or what should make your investment decisions?

In the world of investing, the debate between active and passive rages on like no other, but which

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11th


Jan

India will make a virtue of patience in 2018

Avinash Vazirani, Jupiter Asset Management: Views on India in 2018

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8th


Jan

More political turmoil and dysfunction in 2018?

Jupiter's Independent Funds team reports a strong global economy but political uncertainty

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5th


Jan

Views on investing in 2018: ‘its all getting a bit pricey’

Edward Bonham Carter, Vice Chairman, Jupiter Asset Management

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29th


Dec

Fixed income in 2017 and prospects for 2018

Jenna Barnard of Janus Henderson looks at the major themes that could affect credit markets

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27th


Dec

Bitcoin: emerging asset or speculative mania?

Paul O'Connor of Janus Henderson Investors looks at Bincoin following the appearance of a futures

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25th


Dec

The Great British Trade Off – Trading vs Investing: Humbug switches to funds

Humbug's down £3970 but his new fund strategy seems to be, quite literally, paying dividends

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19th


Dec

European Smaller ‘Disruptor’ Companies Punching Above Their Weight

Ian Ormison of OM Smaller Companies Fund looks at interesting investment opportunities among

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25th


Oct

How Investment Trusts can Help you Seek Income and Growth in Europe

International diversification may be the way to diminish inherent market risks post Brexit

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22nd


Sep

Smaller companies – bigger returns?

Liz Rees of Willis Owen looks at companies outside of the FTSE 250 and those on AIM

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21st


Sep

Vanguard target DIY investors with active bond fund

US giant increases the pressure on UK brokers and asset managers with active fixed income bond

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18th


Sep

Investment styles – is there a catalyst for change?

Liz Rees of Willis Owen looks at the different investment styles adopted by funds and what may

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17th


Sep

Focus on Funds: How to select a fund

Georgette Harrison says there is some thinking to do before you get to the point of selecting a fund

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15th


Aug

Is it all doom and gloom for UK domestic cyclicals?

David Smith of Henderson High Income Trust sees opportunities due to low valuations for UK domestics

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8th


Aug

Lifting the lid on Multi Asset Funds

An overview of the Multi Asset sector from Liz Rees, Head of Research, Willis Owen

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8th


Aug

Active versus passive investing – selectivity required

Janus Henderson Investors believes that active management is key to achieving investors objectives

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27th


Jul

AIMing For Something Different

Henderson Opportunities Trust seeks out opportunities in the small-cap sector

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21st


Jul

The FCA Asset Management study: missing an open goal

TCF Investment's DAN Norman says sunlight is a great disinfectant

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19th


Jun

Introducing Janus Henderson Investors

Janus Henderson Investors exists to help clients achieve their long-term financial goals

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13th


Jun

Reform and structural change in India

Avinash Vazirani of Jupiter India Fund believes favourable circumstances there can deliver

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10th


Jun

UK Election 2017 – risks and opportunities

Janus Henderson investment experts look at the impact on their asset classes

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26th


May

Moore on Personal Finance: Ahead of the General Election

Francis Moore looks at the 'dementia tax', active vs passive investing and strolls down memory lane

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23rd


May

Why we are ‘short’ the US

The US stock market is presenting some interesting opportunities for Jupiter’s absolute return

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20th


May

The foundations of investing in infrastructure

Seeking income: Fiona Liu of Willis Owen looks at what to consider when investing in infrastructure

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27th


Mar

Europe in a world of ‘alternative facts’

Henderson's Tim Stevenson says Europe is in the eye of a very unfamiliar storm

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20th


Aug

Are property funds still worth considering?

Willis Owen Research Analyst Fiona Liu looks at property funds post-Brexit

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21st


Jul

Brexit – Initial Reactions From Jupiter Asset Management

Jupiter's Fund Managers Look at the Likely Effects and Opportunities Arising

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21st


Jul

Brexit – Initial Reactions From Jupiter Asset Management

Edward Bonham Carter, Vice Chairman

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6th


Jul

Shades of 2008 as Brexit Gives Property Funds the Collywobbles

Portfolio valuations slashed and funds 'gated' as investors rush to sell

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15th


Jun

Not Shaken, Not Stirred: Woodford Pledges to Keep Calm and Carry on – in or out

It will be business as usual in Oxford as he won’t be changing a single constituent of his

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1st


Mar

Going Global in the Hunt for Sustainable Dividends

Good quality companies can now be found paying dividends in a range of sectors around the world.

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26th


Feb

In ISAs we Trust

The case for investment trusts in your ISA portfolio

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10th


Feb

Now is the Time to Become a D.I.Y. Momentum Investor

How Saltydog's fund analysis helps momentum investors

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17th


Jan

Investing in Funds

How to purchase unit trusts and OEICs in the most cost-effective and tax-efficient way

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17th


Jan

Funds – the Facts

DIY Investor shows you what information is included in a fund fact sheet and how it can aid your

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19th


Dec

What is a Unit Trust?

DIY Investor's introduction to unit trusts

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17th


Dec

What are Mutual Funds?

DIY Investor's introduction to Unit Trusts and Open Ended Investment Companies (OEICs)

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5th


Nov

Retirement Realities: What Lies Beneath the Income Gap?

A recent survey has revealed the gap between expectations and reality in retirement.

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27th


Oct

Stronger Together – Selecting an Investment Fund

DIY Investor looks at some of the options available to those considering investment funds.

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20th


Oct

The Road to Becoming a D.I.Y. Investor is Paved with Good Intentions

How Saltydog's fund performance analysis helps you make smart investment decisions

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14th


Feb

Bonds vs Bond Funds

DIY Investor looks at the relative merits of different ways of buying exposure to bond markets

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23rd


Mar

Bonds VS Equities

Where do you choose to invest when everything looks expensive?

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