Inflation is the gradual erosion of the spending power of your money, as a result of a falling value in the absolute value of each pound in your pocket. Causes …
How to Learn About Investing for Free
Investing is not the type of subject that is learned intuitively through ‘doing’. In reality, even an active trader may not understand or experience what is really happening when they …
Is It Possible to Invest in Shares Risk-Free?
Any ordinary investment in shares has the following risks: Risk of capital loss (shares sold for less than you bought them for) Risk of income reduction (dividend income slashed by …
How to Reassess Your Portfolio at Retirement
Planning for retirement is a complex area and you may be interested in the best retirement planning books or financial advice before planning your own retirement. That being said, you …
How to Save Money
Saving money is keeping hold of any income or gifts to use in the future. You could save for short term purchases like a holiday or Christmas. Alternatively, you could …
The Difference Between Saving and Investing
Saving and investing are often blurred together as a single concept. Both involve putting cash to work to grow over the long term, so it’s easy to see why the …
Investing in Preference Shares – The Ultimate Guide
What are preference shares? Preference shares are equity instruments issued by companies to investors to raise funds. While they have some similarities with the more common ‘ordinary shares’, their differentiators …
How to Invest in Hedge Funds (UK)
Hedge funds operate in private and don’t publish much information. Yet they’re known as one of the more exciting and interesting forms of collective investment. But how can you invest …
Investing in Frontier Markets – Is it Worth the Risk?
Frontier markets are, like the name suggests, on the fringes of the comfort zones of even experienced equity investors. In this article we’ll explain what are frontier markets, how can …
What You Need to Know About the Stock Market
Various markets are available for investment, and the stock one is among them. Everyone who wants to generate some income by trading on it needs to learn some essential things. …
Why Do Shares Produce a Higher Financial Return than Bonds or Cash?
This is a finance theory article that answers a common question of curious investors when they start investing. It’s very apparent that over most long time horizons shares outperformance bonds …
What Type of Investing is Right for You?
When someone mentions ‘investing’, our mind often wanders to one of two things – those busy stock exchange offices or real estate purchasing. You imagined one of the two, right? …
What Is the Difference between Hedge Funds and Asset Management?
Hedging is a way to reduce risks and insure an asset against unwanted market trends in the future. The main goal of hedge funds, on the contrary, is to maximize …
Key Elements of Financial Analysis
You’ll need to fully understand how a company works to get the most out of your investment. One good way to know how a business is doing is to carry out a …
What is a Stocks & Shares ISA?
A stocks and shares ISA is a type of regulated investment account. Retail investors (members of the public) can use a stocks & shares ISA to buy shares in companies …
Historical Real Investment Returns by Asset Class and Country
Are you looking for the historical return for equities, corporate bonds and short term government treasury bills? I thought I’d share a useful set of average historical annual returns for …
An Overview of the 9 Major Asset Classes
Asset classes are the raw ingredients for an investment portfolio. How you decide to blend together these different types of investments will determine the expected return, the risk and the liquidity profile of your holdings.
Growth Investing – A Beginners Guide
In this beginners guide to growth investing, I’ll be guiding you through this popular investing strategy. I’ll explain the theory of growth investing, how to spot a hot growth stock, …
Investing Mistakes: Mis-sold Pensions/SIPPs
What is a Self-Invested Personal Pension (SIPP)? Mis-sold pensions are common cases through the doors of a Financial Litigation department in a community law firm. Self-invested personal pensions, or SIPPs …
Venture Capital Trusts (VCT) Explained
A venture capital trust is similar to an investment trust. They provide investors with generous tax incentives to encourage investment in a variety of small, unlisted companies. Disclaimer: Please note …
How to Invest in Property Without Buying Property Directly
Investing in property is an attractive proposition for many people aged 30 – 60 who have surplus income to save, and who are looking for an investment opportunity. Property investment …
Why Excellent Financial Advisers Avoid Portfolio Churn like the Plague
Portfolio churn is a slightly naughty word in the financial adviser / investment manager profession. So why is churn a slightly dark concept, and why is avoiding portfolio churn an …
My Portfolio: Calculating my Expected Return
A rare advantage that bank account savers enjoy over investors is that they can save with certainty. When they move their cash to a higher-performing account, they can easily measure …
My Portfolio: What Have I Invested In?
Selecting investments has to be the most time-consuming aspect of building an investment portfolio for the first time. In the first My Portfolio article, I showed how I allocated my …
My Portfolio: How I Designed My Own Asset Allocation
The free investing courses on Financial Expert cover a lot of theory about the steps you should take when creating a portfolio of your own. But when learning any rules …
How to Invest in Property During Economic Turbulence
As investors, we tend to hold a glamorous image of the investing process. And out of all the asset classes, property investment is probably the most sexy investment category. Property …
Are you Eating the Only ‘Free Lunch’ in the Stock Market?
Proving the familiar saying untrue; I’ll show you how to increase your investment returns without increasing risk. Many phrases and idioms in the english language are passed down from parent …
How to Invest In Gold Using 7 Methods
In this guide on how to invest in gold, I’ll explain and review 7 different ways of investing in gold. Some gold investment methods are more cost-effective than others, while …
Investing Mistakes: Prioritising Saving over Living
Part of my article series on investing mistakes. I should start by saying that this article simply shares some points of view on a very subjective topic. This is a …
Investing Mistakes: Over-trading
Part of my article series on investing mistakes. This article will explain a mistake made by new investors following active investing strategies. When actively trading, an investor is attempting to …
Investing Mistakes: Investing in too Many Asset Classes and Platforms
Part of my article series on investing mistakes. Enthusiasm and zeal can have a downside when investing. For this reason, it’s important to ‘dial it in’ and ensure you exercise …
Investing Mistakes: Investing too Much in a Single Investment
Sometimes a big bet can really pay off. Take a look at some individual success stories from investing in the stock market in recent years: An investment in Apple Inc …
Investing Mistakes: Is it Possible to Invest Too Much?
At school, work and during retirement, we are encouraged to save money. It begins with the ‘piggy bank’ we are given as children and is reinforced with encouragement from our …
What is the FTSE 100?
FTSE 100 is a registered trademark, owned by FTSE Russell, which is in turn owned by the London Stock Exchange (LSE). The name refers to an index of the share …
What is a Financial Expert -Definition
This article answers the question: What is a Financial Expert? As this site is actually named Financial Expert, it makes sense to publish this definition here. Definition of a Financial …
What’s the Difference Between Level 1 and Level 2 Market Data?
This is a definition of Level 1 and Level 2 market data for our guide on how to research company share prices and company information, which is part of our …
Investing – ISAs explained
ISA stands for “individual savings account”. These are special accounts that have a limit on how much money you can deposit into them each year but also come with tax …
Investing 101: Begin Investing with Confidence
Welcome to Investing 101, a brief introduction to investing in the stock market. This is a 5 minute guide which will highlight the key things you need to know before …
Investing for Dummies: How to Become an Investor from Scratch
One of the central themes of my articles on Financial Expert is that investing is for everyone. This includes people of any age and folks who don’t yet feel confident …
What is a Rentier? And why you’ll love being one
You wake in the morning and take the time to cook yourself a proper breakfast. You turn on your laptop and have a glance at the financial markets. Stocks and …
What is a Hedge Fund?
Hedge funds are pooled investments, where a number of investors entrust their money to a fund manager, who invests in various traded securities. Hedge fund managers will use active fund …
What is a Sophisticated Investor?
If you have recently chosen a stockbroker or signed up for a peer to peer lending platform, you may have been asked to certify whether you are a ‘Sophisticated Investor.’ …
Investment Definitions & Glossary
The free investing courses available on Financial Expert are aimed at beginner and amateur investors. What makes our investment training programs unique is our approach to the learning process. We …
Definition of Junk Bond (Investor Perspective)
At first glance, the label ‘junk bond’ appears to look like a warning. “Stay away! This bond is a load of junk!” You might be surprised to hear that junk …
What is a Bond Coupon Rate?
When researching bonds, you will notice that each bond will state its coupon rate. Beware the coupon rate Below, I’ll explain exactly what a coupon rate is. But I’ll also …
Definition of Bond (Investor Perspective)
The definition of a bond as an investment is as follows: What is a bond? A bond is an agreement between a borrower and a lender. From an investing perspective, …
The Ultimate Guide to Investing in Corporate Bonds
Corporate bonds are perhaps not the most exciting investment opportunity available (see: how to invest in land or investing in commodities). This guide to investing in corporate bonds will explain …
Is Gold Overpriced & Overvalued?
The price of a troy ounce of gold has moved between $1,000 and $2,000 over the 2010 decade. Is that a fair price for this precious metal, or an unjustifiable …
Is Property A Safe Investment?
How much truth sits behind the common maxim as safe as houses? In investor-speak, a bricks and mortar investment is an opportunity to buy something tangible and real. It signals …
When do Companies Pay Dividends?
Dividends are how companies distribute their profits to shareholders. For investors who desire an income from their investments (such as dividend growth investors), this is the most important part of …
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