Category
Investing
Practical, evidence-based UK investing, from your first index fund to a diversified long-term portfolio.
Most investing advice on the open internet was written by someone selling something. The articles in this hub aren't. They cover what actually works for a UK saver on a 20-to-40-year horizon: low-cost global index funds, the ISA and SIPP wrappers that shelter the returns, the accumulation vs income choice inside each, and the value tilt some readers prefer at today's CAPE ratios.
The weighting is heavy on fundamentals (compound interest, asset allocation, fees) because that's where the money is. Stock-picking and fund-of-the-month content gets less air, because the evidence says most active strategies underperform a £4-fee global tracker over two decades.
Start with the beginner's guide if you're new. If you already own funds, the are-dividends-irrelevant piece is the one most readers find surprising.
91 articles
Showing 1-10
Best Fixed Cash ISA Rates UK 2026: Should You Even Fix?
Top fixed Cash ISAs pay 4.6%. Easy-access ISAs pay 4.5%. The 10bp premium is the question. The honest answer depends on something none of the rate tables show you.
Junior Stocks and Shares ISA: The 18-Year Headstart
For an 18-year time horizon, choosing a cash Junior ISA is choosing to lose. The same £100 a month in equities ends up worth roughly £14,000 more by your child's 18th birthday.
How to Spot a Bubble: Tulipmania to the S&P 500
Every bubble in 400 years has rhymed: cheap money, a new story, leverage, denial, collapse. The interesting question is not whether the S&P 500 is in one. It is what you do if it is.
Belt and Braces Investing: One Global Tracker
There are real reasons to overcomplicate your portfolio. Until you can name yours, one global tracker plus a monthly direct debit will beat almost everything else you can build.
Cash ISA Cut 2027: HMRC Closes the Workarounds
Cash ISA allowance drops to £12,000 for under-65s from April 2027. HMRC is now closing every workaround, including the flexible S&S ISA cash trick most savvy savers use.
Innovative Finance ISA: What It Is and the 2027 Rules
Innovative Finance ISA promises 7-12% returns by lending your money to strangers. Zero FSCS protection. Three UK platforms collapsed since 2019. Honest take inside.
Best S&P 500 ETF UK 2026: Six UCITS Trackers Compared
Six S&P 500 UCITS ETFs, OCFs from 0.03% to 0.09%. On £10k over 30 years the gap is ~£1,300. The real risk in an S&P 500-only position is not the fee.
Is a Recession Coming? A UK Investor's Guide
Paul Samuelson nailed the prediction industry in one sentence in 1966. It is still true. The recession is not the real threat to your portfolio. The threat sits between your ears.
What Is the Yen Carry Trade? The $4tn Risk in Your ETF
Your global tracker is partly funded by a $4tn bet most UK investors have never heard of. In August 2024 it unwound for one day. Your portfolio felt it. The next one is building.
Investing Small Amounts Monthly UK: Is £25-£50 Worth It?
The reason you haven't started investing the spare fifty is not the fifty. The industry spent decades making you believe you needed a lump sum or a banker. None of that is true.