Category Archives : Invest Money

Articles on how to invest money online


SSE Stock Purchase: Utility Shares Are For Yield and Inflation

Inflation has been non-existent over the past few years. As recently as 18 months ago, the inflation rate was 0%. But this is all changing and inflation over the past few months has jumped to 2.3%. And it is set to rise further as the weak pound, following the Brexit vote, makes imports more expensive for us to buy. With inflation returning, now is a good time to start thinking about buying into assets that will protect the value of money as the cost of living increases. Utility companies are a great way to protect against inflation as the prices they charge are regulated and linked to the Retail Price […]


The Future Of Industry And Jobs – Why You Need To Be On The Side Of Capital

Technology is like a double sided coin. On the one hand, it has been fantastic as it has greatly enhanced living standards and brought us products we could only dream of a few decades ago. But the flip side is that technological innovation has a tendency to transform industries and obliterate jobs. Just think of a simple combine harvester. It’s invention meant famers could work more efficiently and produce higher yields of crops. But on the other hand, its introduction led to massive redundancies on farms as one combine harvester could do the job of 20 farm workers. Software will disrupt most traditional industries and jobs in the next 5-10 […]


What Different Jobs Can Teach You About Investing

As investors, we often make the mistake of only concentrating our reading towards the fields of finance, business and economics. This is a huge mistake as it is more productive to read around one’s field than in one’s field. By learning about different fields of work, you increase your worldly wisdom as well as look at the bigger picture. With this in mind, these are some things you can learn from others professions. Biologist: All environments change, and the best protection against those changes is the ability to adapt. Gambler: Bet when others think the odds of success are low (that’s where there’s big payoffs) but be able to survive […]


The One Reason Why Property Returns More Than Stocks – Asset Classes 1

If you ask people in the UK the following question ‘ would you rather invest in property or stocks?’ I am sure the majority of people will give a resounding vote in favour of property. The reason is because the financial press is littered with stories of how everyday people in the UK have become millionaires via property. On the other hand, you hardly hear any stories about people becoming millionaires through ownership in companies via the stock market. This is rather interesting because if you look at the facts, stocks (equities) have historically outperformed all other asset classes returning 9.9% per annum whereas property only returned 5.7% per annum. […]


What Stocks and Shares Should Beginner Investors Buy – 8 Factors To Look At 2

When it comes to modern day investing advice, the majority of newbie investors are given the advice of sticking their money into a low cost index fund such as the FTSE100 or S&P500. THE rise of passive investing has been great for the individual investor as it means they can get wide diversification for low cost with a single purchase. The low cost is the key part and that is why passive indexes have outperformed the more actively managed and more expensive mutual funds. If you are an investor with no time, can’t tell the difference between a balance sheet and profit and loss account and don’t want to do […]


Which Royal Dutch Shell Shares To Buy To Avoid Paying Dividend Withholding Tax – RDSA Vs RDSB

There are a number of companies that are dual listed i.e. there stocks are traded in different countries. For the biggest companies, the price of the stock is usually the same on the two or more exchanges the stock is listed on. One might think that it does not really matter on which countries exchange you buy the stock. But as an individual investor, it is imperative you buy a stock you are after on the right exchange – by this I mean buying the stock in the country with a lower dividend withholding tax rate for instance. Let’s take Royal Dutch Shell for instance. It is a dual listed […]


Fear Of Missing Out – Investors Worst Nightmare

One of the biggest detractors to investment performance is FOMO or Fear Of Missing Out syndrome. This is when you make an investment, whether it be stocks or any other asset, simply because you do not want to miss out on the possible gains it makes. You do not want to miss out on the gains therefore you buy something out of fear of missing out as opposed to being rational and looking at the numbers. Buying assets just because you fear missing out on the gains does sound stupid but it occurs more often than people like to admit. It happened in the dot-com bubble where people were investing […]


3 Things To Look In Shareholder Letters

Most investors today tend to ignore annual reports. They are more content with analysing financial data from Morningstar or Stockflare than that in the raw form from annual reports. There is nothing wrong with this but it is important to remember that these fast financial data sites do not contain all the information found in an annual report. For one it doesn’t include any small print or strategy information. For another, it doesn’t contain shareholder letters. It is imperative for any serious to have a look at the shareholder letter of a company they want to invest in or are already invested in. These letters give a broad overview of […]


Burberry (LON:BRBY) Shares Sale : When A Stock Is Overvalued Sell

Having gone years without selling out of a position, it feels odd writing about my second share sale so quick after my first one. Making my second stock sale all the more remarkable is I didn’t think it would be Burberry. Since initiating my position in Burberry back in July 2016, I imagined that I would be holding these shares for years and years – even though I didn’t see it as a legacy position. Whenever I make a stock purchase, the company I am investing in either has to be a serial compounder of wealth or it is fundamentally undervalued. The biggest opportunities for large returns are by buying […]


Brickowner – A review of how investors can invest in property with little money.

In the UK, we love our property. Many individuals here understand property better than any other asset class. It is no surprise that the buy-to-let boom which has taken place over the past couple of decades has minted many millionaires. And it will continue to mint many more. The only problem with todays would be property investors is that it is too hard to save for a deposit and even if you do, you will normally be financially outmuscled by someone with an existing buy-to-let portfolio. Thankfully for small investors like myself property crowdfunding exists. Property crowd funding allows individuals with little capital and minimal knowledge of the property sector […]