Finance forum: Ranking 2.201 articles - 286.235 readings

Holding an unused help-to-buy ISA? Here are your options

Posted on 05.04.2021

The UK government offered its public help-to-buy ISA accounts with the added benefit of a free cash contribution towards buying their first house. Since the accounts did not have any strict initial deposit requirements, many people signed up. However, it’s now becoming clear that the number of unused help-to-buy accounts - accounts where people never deposited any money - could be very high. The revelation was made by the Nationwide building society, which claimed that most of the help-to- ...

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What are the trends for the mortgage market in Europe?

Posted on 04.01.2022

Many people will have wondered whether, with 2022 and changes in monetary policy in some countries, anything could change on the mortgage front.  It is therefore worth reporting some data and considerations from the European Mortgage Federation's (EMF) very comprehensive study, Hypostat 2021. The mortgage market in Europe How important are mortgages in Europe? They are very important, accounting for 46.1% of GDP. The Hypostat 2021 data speaks of 6.17 trillion for the Eurozone and if y ...

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Grayscale, BNY Mellon team up in prep for Bitcoin ETF

Posted on 15.07.2021

Grayscale Bitcoin Fund (GBTC) reaffirms its intention to transform the fund into an ETF by signing a new partnership with Bank of New York Mellon Corp. BNY Mellon will provide Grayscale Investments LLC exchange-traded fund services upon converting the fund into an ETF. Also, starting October 1, BNY Mellon will offer fund administration services to GBTC. Michael Sonnenshein, CEO of Grayscale Investments, reaffirmed the company's target to transform the fund into an ETF. In an interview with ...

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Why platform consolidation is helpful for clients and advisors

Posted on 22.03.2021

Paul Hogarth recently explained how the recent acquisition of Nucleus by James Hay is likely to bring more consolidation in the platforms sector and improve the overall quality of the platforms that advisors have access to today. With platforms representing an integral part of the future of wealth management, smarter and more focused platforms will be welcomed by all in the industry. What do advisors look for in a platform? Advisors primarily look for the following benefits in using a platform ...

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UK housing prices in April: the largest monthly rise in 17 years

Posted on 05.05.2021

Housing prices are showing no signs of cooling down. On Friday, new data showed that since February 2004, the most considerable increase in average UK house prices occurred in April 2021.  Home price growth per year rebounded to 7.1% in April compared to 5.7% in March. The median price was at £238,831 in April, 2.1% higher from March, as reported by Joanna Bourke for the Evening Standard. Over the past year, prices are now up £15,916. Nationwide’s data covers the month f ...

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UK gilts: 6 questions answered

Posted on 02.07.2021

The UK has never defaulted on bond payments, so investors should be reassured when holding UK debt instruments that their money is safe. One debt instrument is a gilt. What are they and how to invest in them, are only two of the six questions this article answers. 1. What are UK gilts? They’re government bonds issued by the Treasury. You can trade UK gilts since they’re listed on the London Stock Exchange (LSE). Holding a gilt, you’re lending the government money in return f ...

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Some myths to overcome about traders

Posted on 15.06.2022

The figure of the trader is, in a certain imagination, a stereotypical figure, somewhere between a broker and a gambler. Mario Kofler, an expert of the GKFX company, explains that a good trader does not resemble a gambler and explains which stereotypes (his considerations were also reported in an article in the magazine FONDS professionell) should be overcome. The job of a trader cannot be improvised A trader does not make his decisions based on his own feelings. A trader's work is linked ...

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45% of UK millennial investors buying crypto, half on debt

Posted on 09.07.2021

Young UK investors said their first investment was in crypto. Almost half of the 45% who did so used debt. Millennials believe cryptocurrencies offer better returns than traditional assets favored by their parents and grandparents. A minority of young investors are in it for the long term. A Charles Shwab survey in April showed half of young investors actively trading crypto. Another 20% believe it’s a solid investment choice. Cryptocurrency ranked second after cash as the preferred savin ...

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Britcoin pros and cons as the idea moves toward reality

Posted on 27.07.2021

Chancellor Rishi Sunak is moving forward with the idea of a digital central bank cryptocurrency, Britcoin. A task force was established, formed of Treasury and Bank of England officials, to examine the merits of Britcoin and report back to Sunak by year-end. The move would be a revolution in the monetary system as the BOE establishes a digital equivalent to the sterling and controls it.  Unlike unpegged cryptocurrencies, Britcoin would be linked to the pound and backed by the central bank. ...

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How to build an all-ETF portfolio

Posted on 29.07.2021

ETFs are gaining momentum with more than 5,000 ETFs actively traded in the stock market. ETFs have many interesting perks. They’re versatile and give access to a wide range of stocks and other investments. They’re also relatively inexpensive and more liquid than mutual funds since they’re actively traded on stock exchanges. They help in passive portfolio management since they represent an index. That also reduces their costs compared to mutual funds.  Holding ETFs versus ...

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