Category Archives: Stock Market Investments

Investment Products and Charges | Investment Performance.

Financial Planning is important and if you are of ‘certain’ years you have probably considered at some point investing your hard earned in order to grow what you have without having to work for it. Nothing much to ask, you supply working capital to a market place and in return see your money grow. The same methods that have been used for a millenia.

So you take some advice about your cash and are advised to invest in a ‘UK Equity Fund’ – broadly based across a wide range of shares and managed for you. Problem here is two fold. Firstly charges are vitally important.

Jupiter Growth and Income | Investment Planning Advice

Jupiter Growth and Income | Investment Planning Advice


Given one of the more popular funds at the moment ~ Jupiter Growth and Income (4 star on Morningstar) you will note the following.

  • It has performed fairly well.
  • It has outperformed the Index.
  • It has not been ‘overly’ volatile.

All good news here then.

Until we consider carefully the issue in relation to charges.


Certainly if you invested in the in the fund at it’s lowest point and sold recently you would have doubled your money since the beginning of 2009. Making a £1000 investment £2000 (ball park), however charges would have eaten into a chunk of this. Roughly equal to 15% of your initial investment.


So far there is nothing wrong with that. Jupiter have delivered a quality return for the charges levied ~ a win win. But then again so did a lot of other fund managers. The key to this is…..

Even if they had not delivered, even if the markets generally had been depressed your charges would have still been fifteen percent (15%) of the intial investment.

Charges are important, have always important along with  investment returns. You need to be aware that your adviser is probably not covering these with you in full detail, certainly  if you are presently taking advice from a Bank or Building Society based adviser I can probably guarantee you are not aware full of exactly what charges you are paying and to whom.

Just to outline one more issue on the subject of investment returns below you will see a graph of the FTSE 100 index and the FTSE 250 index (Green) taken from Yahoo Finance today. You or your advisers might not be aware that the FTSE 100 is now made up of  a good number of foreign firms or at least firms that get a large quantity of profits from overseas.

Whereas the FTSE 250 is nearly all UK firms, remember if you don’t know you don’t know. Far too many investors think the FTSE 100 is made up of the Top 100 firms in the UK ~ wrong.  The correct answer to this is maybe!

Investment Planning and Advice | FTSE 250/100

Investment Planning and Advice | FTSE 250/100

All investors need to get savvy on these matters, investment and investment advice is not always what it seems.









ZOPA | Crowd Funding -The Search For Income

During the last couple of years the world has shifted. No longer is the bank or building society the only place to consider when you want to invest or borrow money. We now have ‘Crowd Funding’ where you invest your money with like minded investors, and this money is loaned to those wishing to borrow.

This is the same thing the banks have been doing for years only with your money, oh and they have been keeping the profits. The question is  this. Is it really the same the same?

Firstly yes and no. I am in the middle of some formal research having invested my own money in two of these options in the last 18 months and my findings are positive, that said there are some pitfalls.

If you would like to see my report – warts and all. Get in contact use the contact from and ask me for the “Free CrowdFunding Report” I will get it out to you as soon as it’s complete.


Monkey Beat Tracker Funds.

In an interesting update today we see that a number of Monkeys managed to select shares at random and beat returns from Tracker Funds. What interests me more about this story is a couple of weeks ago there was another story outlining the fact that

Randomly picking shares did not beat the Index Tracker funds. So what way to invest?

My response is pretty straightforward. Randomly picking anything is never a way to invest money.

You have to carry out some research and you have to make a plan, this plan should take into account the following
as a minimum.

1.What is happening in the markets – are they trending up or down.
2.What is happening with the economy generally – is the outlook positive.
3.What is your overall attitude to investment risk.
4.Is there an ETF you can buy that will do what you want.

These points are just a start but will beat Monkey’s everytime.

Making any investment on a random basis has always been madness, always will be.