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How bonds and bond funds are taxed
Okay, there’s no way to sugar this: I’m writing about tax on bonds, so I’ll keep it short, if not exactly sweet. Bond taxation is confusing and life is fleeting and so – double-quick – here’s what you...
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Vanguard Target Retirement Funds review
The Vanguard Target Retirement Funds are like an automated amusement park ride for investors. Hand over your money and you’ll start by gliding up the rails of accumulation hill with a thrilling 80/20...
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The Slow and Steady passive portfolio update: Q1 2024
How quickly things can change! Another bumper quarter for global equities has helped to chase the blues away like a glimpse of spring sun. Our Slow & Steady model portfolio has plumped up 3.7% in...
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Choose your fighter [Members]
Should you ever find yourself researching a couple of meme stocks du jour for a long article, plan accordingly. Block out 48 hours – ideally a weekend – and get in the snacks. Warn your significant...
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Our updated guide to help you find the best online broker
Attention UK investors! You know we created that massive broker comparison table? Well, we’ve gone back to the coalface and updated it in order to help you find the best online broker for you. Filling...
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Learning together: 25 years of a family investment club
I hadn’t heard of an ongoing investment club for many years before a long-time Monevator reader – and member of the Patrick Investment Club – dropped me a line. Such clubs were common 20-30 years ago....
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Fancy a short duration index-linked gilt fund to guard against inflation?
A new-ish short duration index-linked gilt fund from iShares gives UK investors an easy way to hedge against inflation – without taking on huge interest rate risk. Now I realise that sounded like...
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Correcting market failure [Members]
The UK stock market has been on the ropes for ages. Clambering to its feet as the referee counts “six! seven!”… .memberful-global-teaser-content p:last-child{ -webkit-mask-image:...
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Inflation hedges: what does and doesn’t work
Surging inflation is one of the nastiest, portfolio-crumbling threats investors face – not least because defending against it is as difficult as defeating dry rot. The last few years have taught us a...
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A question of trust
Over on Monevator Moguls, we’ve been kicking the tyres on several investment trusts during the past year. There was a big dislocation in the closed-end fund market when interest rates soared in 2022....
View ArticleDoes gold improve portfolio results? [Members]
Gold has had a phenomenal 24 years. Since the year 2000 this asset has scored an equity-like 7% real annualised return, and responded positively to virtually every notable stock market decline since...
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How a mortgage hedges against inflation
The UK inflation rate is down to 2.3% and the pound has stopped losing purchasing power like a proverbial drunken sailor on shore leave. This end to our run-in with runaway inflation is to be welcomed...
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Tax-efficient investment: how tax can take a bite out of your returns
Many Monevator readers rightly strive to shave tenths of a percent from the running cost of their portfolios. But some people – especially wealthier savers – ought to think even harder about...
View ArticleIs it time to ditch index-linked bond funds? [Members]
Index-linked bond funds were meant to protect us from surging inflation, yet they failed their first serious test. Since CPI took off at the tail end of 2021, these products have been a bitter...
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Minimum pension age increase: who’s caught out and who’s protected
The normal minimum pension age (NMPA) is increasing from age 55 to 57 on 6 April 2028. Some people’s pensions protect them from the increase but the benefit can be lost if you transfer out. Yet others...
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FIRE in the hole [Members]
I believe – Finumus here – that Financial Independence, Retire Early (FIRE) types give leveraging your mortgage to invest in equities an undeserved free pass. .memberful-global-teaser-content...
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Best global tracker funds – how to choose
A global tracker fund takes care of all your equity diversification needs in a single investment product. In this post, we’ll explain how to choose the best global tracker fund for you and we’ll list...
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The Slow and Steady passive portfolio update: Q2 2024
It’s been a slow and steady quarter for the Slow & Steady portfolio. Our model passive investing loadout has risen just 1% over the last three months. Still, we’ve now had three quarters of growth...
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Are you ready for interest rate cuts?
“The world is changed. I feel it in the water. I feel it in the earth. I smell it in the air. Much that once was is lost, for none now live who remember it.”– Galadriel, The Fellowship of the Ring...
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The All-Weather portfolio: how it protects what you have
Conventional equity / bond portfolio splits did not acquit themselves well during the cost-of-living crisis. When the enemies at the gate were fast-rising interest rates and inflation, standard...
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