The financial services sector has seen enormous expansion over the last 30 years or so — particularly in the UK — and key to that has been the growth of the investing industry. Not only are there far more investment … Continued

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It’s understandable why investors who don’t have the inside track on how asset management works tend to find the idea of active management so appealing. After all, people are used to the idea of paying for professional expertise. For example, … Continued

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Carbon is delighted to announce its support for the Paul Lawrie Foundation over the next three years. The charitable commitment follows hard on the heels of backing for Winning Scotland Foundation, created by Sir Bill Gammell, with the ‘Carbon Fivers’ … Continued

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A basic principle that you, as an investor, need to understand, is the importance of ensuring that the interests of everyone you pay to manage your money are as closely aligned with your own as possible. Carbon’s fourth investment principle … Continued

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Earlier this year, NASA declared September as the warmest month since modern records began, putting 2016 on track to be the warmest year ever. If this year has proven anything, it is that predicting the future is a risky business. … Continued

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Asset management has an agency problem — in fact, several agency problems. In other words, what’s good for the fund manager, for the company he or she works for, and for that firm’s shareholders, is not necessarily good for you, the … Continued

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The FCA report concluded that fund charges are often too high, that there is a lack of genuine competition on price and that investors are not being given a clear picture of how much they are paying to invest. What … Continued

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There was good news for UK investors when the Financial Conduct Authority published a long-awaited report on the asset management industry. The report concluded that fund charges are often too high, that there is a lack of genuine competition on … Continued

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Returns of 11%, 15%, or even 26% last year!  And from lower-risk property investment!  You don’t have to spend much time on Google to find property investments enticing individuals to part with their savings in search of high returns with … Continued

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In March 2015 the Government announced plans to create a second-hand annuity market and allow people, who had previously bought annuities, to sell them for cash, from April 2017. At the start of this month they decided to cancel those … Continued

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