Investment

Pound Cost Averaging

Pound Cost Averaging

Here at Face to Face Finance we’re very much focused on the long-term when it comes to investments.  If you are worried about the ups and downs in the markets and not sure when is the right time to invest, we look at pound cost averaging as a way to take advantage of these ups…
2018 mid-term investing update

Investing in 2018: mid-year update

We’re halfway through the year already. So, we thought it would be a good idea to summarise what’s been going on in the markets, and what we foresee for the rest of the year. The first half of the year has seen quite a difficult market environment. After a relatively calm 2017, market volatility has…
What happens to your shares if your broker goes bust?

What happens to your shares if your broker goes bust?

Brokerage failures do happen from time to time, particularly in today’s difficult economic landscape. Earlier this year, Beaufort Securities became the most recent firm of note to go bust, with around 16,000 customers left wondering what was to become of their investments. If your broker goes bust, is your money safe? The first thing to…
Fear and greed in the markets

Fear and greed in the markets

No one sets out to make a bad investment. But it happens all the time. Why? We all know that the markets can be volatile. But it’s usually bad decision making, based on intuition rather than logic, which contributes to the biggest losses. Emotions are to blame. Losses, in particular, can make investors vulnerable to…
Brexit and foreign investment

Brexit and foreign investment: it’s not all doom and gloom

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There have been a lot of headlines about how the uncertainty surrounding Brexit, particularly the current lack of international trade deals, will have a negative impact on investment into the UK. But look a bit closer and there are some good news stories too. China, for example, is certainly taking advantage of the opportunity. What…
capital gains tax

12 ways to reduce your capital gains tax bill

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Let’s face it, we’d all be happy to pay less tax. And with a bit of careful planning and a great financial adviser on the case, you can limit your tax liabilities. Capital gains tax (CGT) is a prime example. CGT is a tax that may be charged on the profit (or gain) made when…
investing in cryptocurrency

Investing in cryptocurrency

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There’s not a day goes by at the moment without so-called cryptocurrency hitting the headlines. But what’s it all about? And with tales of people making stacks of money investing in them, should you jump on board? What is cryptocurrency? Cryptocurrency is a digital money system. Unlike regular money, it has no physical presence. Cryptocurrency…
Fixed interest securities

Fixed interest securities and interest rate rises

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Fixed interest securities make up part of most investor’s asset allocation. They’re considered low risk; second lowest after cash. But if interest rates continue to rise, should you continue to invest in them? We take a look. What are fixed interest securities? A fixed interest security is basically a loan from investors to a government…
Why do shares fall on good news

Why do shares fall on good news?

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Last month, Samsung announced it is expecting profits to hit record levels in the third quarter – almost three time as much as the same period last year. Following the announcement, their share price dropped. That might seem counter-intuitive. But there were other factors at play. At the same time as announcing this anticipated profit…

Investing in infrastructure

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What do we mean by investing in infrastructure? The Cambridge Dictionary defines infrastructure as “the basic systems and services, such as transport and power supplies, that a country or organisation uses in order to work effectively”. Basically, infrastructure is the foundation upon with our economy operates. It includes schools, airports, windfarms, hospitals… In the past, infrastructure was generally funded by the government. But pressure on the public purse has led to…
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