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Category: Investing

How investing works, investment risks, investing for beginners, growing wealth through investing and ethical investing.

3 Ethical Investment Options

3 Ethical Investment Options

Ethical investing isn’t as simple as it seems. But that doesn’t need to stop you from trying to do more good with your investment portfolio. Knowing your money could be working for good might be the nudge you need into investments if you’ve been to cautious to get started. (If that is you, you might find my beginners guide to investing helpful.) I’m going to share with you the investments that I am making. However, I’m not a financial advisor,…

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The minefield of ethical investing

The minefield of ethical investing

When I’m choosing how to invest funds in my Stocks and Shares ISA, I deliberate for a long time. I only choose mutual funds (collections of shares from a number of companies), and predominantly those that are managed passively and therefore have low fees, so it’s hard to go too far wrong. Although no one can accurately say what the stock market will do, I want to make the best decision I can. How hard is ethical investing? I’ve been…

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Investing for good

Investing for good

Last year, I set myself a target to invest £1000 more than the previous year in stocks and shares. Although I was shy by about £600, I did manage an extra £400. Not too bad when we had a baby to prepare for too! This year, my target is the same; invest £1,000 more than 2 years ago. It’s a tall order as I’m heading into my final 3 months of maternity leave, which is unpaid. However, I don’t just…

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Socking more into stocks and shares

Socking more into stocks and shares

They say that time flies when you’re having fun, and I can hardly believe that this is my fifth tax year of investing in a Stocks and Shares ISA! It’s fair to say that I felt nervous about investing in stocks, and as though I didn’t know enough. I knew I had to take the plunge whilst I was young enough to bounce back from any silly decisions, and had time to learn. My investing style To refer to ‘my…

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Women! Are you using all your financial power?

Women! Are you using all your financial power?

I’m super excited about this post because I have learned to invest and I know other women kicking it, so you can too. I don’t want you to be chickening out at this point, so if your natural instinct at the word ‘investing’ is flight, please don’t respond. Stick around for a few minutes; it might change your world! You are strong, intelligent, capable. Do not shy away from this. Usually, when I write my posts about money, I try…

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Finding the confidence to invest

Finding the confidence to invest

When you have worked hard to save money, maybe paying off tens or hundreds of thousands in debt, cutting non-essentials from your budget, living simply and making frugal choices, the step into investing is daunting. It is a decision between holding on to money that you have, and risking it for the prospect of more. It is natural to feel this way. Humans would prefer to avoid losses than to acquire gains. In other words, the negative feeling of losing…

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My investing journey and mistakes I’ve made

My investing journey and mistakes I’ve made

Before you begin investing, you might be worried about making mistakes and losing money. I know I was, but I decided at some point I’d have to bite the bullet and just get started. I started small and with money I could afford to lose (though obviously didn’t want to lose). I have made a few mistakes that I’ve shared below. You’ll see they’re not worth avoiding investing for but hopefully you’ll be able to avoid them. Mistake #1- Investing…

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Making investing less risky

Making investing less risky

Investing presents a conundrum. It is both a way to grow your wealth and a way to lose money. It is true that you could invest money in a company or fund and the value could fall. If you sell when the value of your investment has fallen, you will have lost money. However, investing is less risky than you may think You can make rational decisions that make investing less of a risk. Diversification Lets get back to basics….

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More on funds

More on funds

I personally choose to invest in funds. They make it easier to invest in lots of companies and therefore reduce my risk. There’s a few things to know about funds, which will help you decided what to invest in. Income or Accumulation funds Most funds have an income version and an accumulation version. An income fund is one that pays dividends into your online account, so you can withdraw them and spend them or invest them elsewhere. An accumulation fund…

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Choosing a platform

Choosing a platform

Now that you know a bit about different types of investments, you need to know how to acutally get your money into investments. That’s where platforms come in. So, what is a platform? Platforms are to investing what travel agents are to holidays. Just like Thomson the travel agent will sell holidays by lots of travel companies (like first choice, thomas cook, kuoni, P&O, haven holidays), the platform you choose will enable you to buy funds from a huge choise…

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