Investment ideas and opportunities
Research and tools
If you need a bit of inspiration and are at the information gathering starting point, we can help. Take some time and go through our range of helpful research and tools.
All the latest in market movements and industry trends.
Tap into current analysis from the experts at Barclays.
Take a look at exclusive video interviews from high profile fund managers.
See what our investors have been buying and selling in the last week.
Discover the funds we believe have the potential to perform well across a wide range of sectors.
Henk Potts, global investment strategist at Barclays, discusses recent market events and gives a roundup of what to look out for in the week ahead.
Once you’ve done your research into the investment choices available, you now need to decide on your investment objectives. Some assets classes are more suitable than others if you are investing for either growth or income.
- If you’re just starting out, funds can be an easy route to investing for growth.
- The idea is to grow your money by buying units or shares that increase in value over time.
- Funds ‘pool’ your money along with money from lots of other investors and use it to buy a range of investments, such as shares, bonds or property. A fund manager chooses these assets based on the fund’s objective, so you can benefit from their experience.
Stocks & Shares
- Another way to invest for growth is through company stocks and shares, also known as equities.
- The aim here is to grow your money by investing in profitable companies whose shares rise in value.
- They may also pay dividends, which you can reinvest in more shares or use to give you an income.
Bond funds or individual gilts and bonds:
- Bond funds or individual gilts and bonds are a conventional way to generate an income.
- They’re effectively loans to companies or the government from which you draw an income as well as getting back your original investment at an agreed time - the maturity date. The new ISA rules mean you can purchase individual gilts and bonds that have less than five years to maturity.
- The advantage here is that you can be certain about the returns you’ll get and provided that the issuer - the company or government you’re lending money to - meets their obligations, you’ll get your money back too. However, a bond from a single issuer is more risky than investing in a bond fund where you get exposure to lots of issuers through one investment.
- Whatever you choose to invest in, remember that all investments can go down as well as up and you could get back less than you put in. If you’re not certain what’s right for you, you may want to think about getting independent professional advice
It’s worth looking at putting your money into a cash ISA that pays regular interest. This is less risky than other investments, so it’s a popular choice with new investors. The downside is that as interest rates in recent years have been lower than inflation, there’s a risk of the real value of your money going down over the years.
- Check out which bond funds are featured in Citywire Selection
- Interested in the returns available from individual gilts or bonds? Take a look at our Bonds microsite
- See which funds and ETFs other investors are buying