#investment ideas

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This month’s ISA investment ideas

Past performance is not a guide to future returns. All investments can go down as well as up in value, so you could get back less than you invest. Yields are variable and not guaranteed. Tax rules can change and the value of any tax shelter depends on individual circumstances. Hargreaves Lansdown Multi-Manager funds are managed by our sister company Hargreaves Lansdown Fund Managers.

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Simple and expertly managed, our ready-made portfolios take the hassle out of investing.

Whether investing for income or growth, you can choose from a range of portfolios depending on your aims and attitude to risk.

Whether investing for income or growth, you can choose from a range of portfolios depending on your aims and attitude to risk.

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Help you get started

Master portfolios are designed to help you get started with investing. There are five example portfolios depending on your aims and attitude to risk.

Master portfolios are designed to help you get started with investing. There are five examples portfolios depending on your aims and attitude to risk.

While each fund is professionally managed, the overall responsibility for managing the holdings rests with you

While each fund is professionally managed, the overall responsibility for managing the holdings rests with you

Build your own investment portfolio

Build your own investment portfolio

Frequently asked questions

What is the difference between income and accumulation units?

The type of unit you hold determines how any income generated from the fund’s underlying investments is treated.

With income units, income is paid out to fund holders as cash. This could provide the investor with an income stream or the cash could be reinvested to buy additional units.

With accumulation units income is retained within the fund and reinvested, increasing the price of the units. Generally, for investors who wish to reinvest income, accumulation units offer a more convenient and cost-effective way of doing so.

What is the difference between ‘inclusive’ and ‘unbundled’ funds?

In the past most investors who held funds, such as unit trusts and OEICs, paid a single ongoing charge to the manager of their chosen funds. This charge often included an element of commission which the fund manager shared with brokers, such as Hargreaves Lansdown, to help pay for their service. We call these funds ‘inclusive’ funds.

Recent FCA rule changes mean that when investors purchase a fund any commission must be rebated to the investor. As a result of the FCA’s new rules, fund management groups have launched new versions of their funds with lower ongoing charges, which do not include any commission. We call these funds ‘unbundled’ funds.

Once you have opened an account, it is straightforward and secure to place a deal. Please ensure you have read the fund’s Key Investor Information Document or Key Features first which is available from the individual fund factsheets on the website.

1. Log in or call our experienced dealers

Log in to your secure online account or call our experienced dealers on 0117 980 9800 .

2. Select the account in which you wish to deal

Select either the Fund & Share Account, Stocks & Shares ISA or SIPP.

3. Choose your investment and deal value

Find your fund online and enter the value you’re looking to invest. Alternatively, provide your dealer with these details by telephone. When dealing online, you will also need to enter your trading password.

The details of the deal will be provided for you to check. Confirm you’re happy with the fund name and value to be invested and the deal is done. We will send you a contract note either by post or you can download it online – whichever you prefer.

A fund is an investment that pools together the money from many individuals. Fund managers then use it to invest in a wide range of shares and/or bonds. Each investor is issued units, which represent a portion of the holdings of the fund.

Funds are popular with investors because they offer access to a ready-made investment portfolio run by an expert in their field. You can normally invest from £100 as a lump sum or £25 per month, and get instant access to a diversified portfolio for a much lower cost than purchasing the individual investments yourself.

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments . This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice from our Financial Advisers.



#investment ideas

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10 big investment ideas for 2016

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It’s time to fire up the interneuronal connections and carve out 10 big ideas for 2016.

Asian nation

My first offering is that Australia will likely become an Asian nation in its ethnic orientation. Apologies to the xenophobes, but it’s happening under your nose. An incredible 28 per cent of Australia’s population (or 6.6 million people) were born overseas – the highest in 120 years. During the last census a remarkable 12 per cent of Australians said they had Asian ancestry.

In Sydney and Melbourne, 19 per cent and 18 per cent, respectively, of residents are Asian. In Sydney regions like Parramatta and Ryde, the Asian share of the population is as high as 34 per cent and 33 per cent, respectively. China and India have overtaken the UK as Australia’s biggest source of new migrants, collectively accounting for 35 per cent of the intake in 2013-14.

The idea of Australia stealthily yet ineluctably becoming an Asian nation is a big deal: it will reinforce our unique antipodal trading position and powerful role as a politically stable economic conduit between east and west; it will help improve our cultural commonalities with major regional actors like China, India and Indonesia (mitigating geopolitical hazards); and it should serve as a source of innovation, productivity and growth, just as the influx of ambitious European migrants did after World War II.

Related Quotes

Bank returns on equity will fall

Idea number two is that the major banks’ returns on equity (RoEs) are inevitably going to fall from around 15 per cent towards their 11 per cent cost of equity as result of the banking system becoming a highly competitive and level playing field. While this process may take five years or more, it should mean that rather than trading at an unusually high two times book value, the majors will price at circa one times. If I’m right, there is much downside to current valuations, which is a proposition reinforced by analysts’ crazy forecasts that bad and doubtful debt charges will stay around 30-year lows.

In five years the majors will have ceded the competitive advantages that fuelled their world-beating RoEs. Rather than carrying 25 per cent more leverage than rivals, they will end up having less leverage and more equity capital in the funding mix. Combined with the fact that smaller banks tend not to source as much funding in the dearer wholesale bond markets – underwriting assets with cheaper deposits that are now a government-guaranteed (and more stable) funding source – I believe the majors will wind up having more expensive funding costs. In short, we will migrate to a system where the majors are much safer banks with reduced risks of failure, with the trade-off of lower returns on equity than competitors that have loftier leverage and lower funding costs. There should, therefore, be an economic role reversal between the big four and their rivals.

Another Macquarie Bank?

If the majors are going to become slow-moving, yet bullet-proof, utilities, a third idea is investors should look for superior returns from more fleet-footed alternatives that are not saddled with the financial baggage of being too-big-to-fail. One day we will eventually see another Nicholas Moore who creates a new Macquarie Bank with a much skinnier 50 per cent dividend payout ratio (compared to the majors’ 80 per cent pay-out policies) that retains earnings to support investments in innovative and entrepreneurial opportunities. Macquarie has done a fabulous job of continuously reinventing itself to maintain growth and studiously avoided allocating too much capital to competing in the majors’ commodity markets.

On this note, the majors will likely lose significant market share in home loans to regional banks that for the first time will be able to compete effectively with them on price without crushing their returns. Rather than being price setters, the majors will become price takers and have to give back the recent rate hikes they have foisted on borrowers to compensate for expanding equity funding costs or suffer market share losses. This will compel them back into the less contested business lending space, which will lubricate credit to companies. Indeed, I think the majors’ balance-sheet splits between residential and business loans will revert back to the 40:60 levels before the 1991 recession.

Our forecasts for double-digit house price growth in 2013 and 2014, and high single-digit growth in 2015, were spot on. My fourth idea is that there will be no imminent housing collapse, and the price of our bricks and mortar will again climb in 2016, albeit at a much slower pace of around 1 to 2 times income growth. I maintain the view that the market is very expensive (15 to 25 per cent above fair value) and recently sold my own home. The interest rate hikes that will be the catalyst for a sustained Aussie housing correction appear to have been shunted into the distant future.

A fifth idea is that as the US and UK jobless rates (5 and 5.3 per cent respectively) fall towards 3 per cent in 2016 and 2017, wage and consumer price inflation will gradually reanimate. While the Fed will hike in December, central banks will get behind the curve because of their desire to “look through” this reflation.

Fixed-rate bond prices to plummet

This prompts another idea, which is that fixed-rate bond prices will melt as long-term yields rise on the back of financial markets resisting the Fed’s dovish view of the world and acknowledging stubbornly strong inflation data. The existential moment for global central banks will arrive when the break-even inflation rates priced by the bond market begin breaching official inflation targets in a sign that investors no longer think that monetary policy (and so-called nominal growth targeting) is compatible with price stability. Asset allocators need to be short interest rate duration or, if you have to be exposed to this risk, hire a smart duration manager – they can be hard to find. Few people can consistently call rate changes right.

If this base case plays out, my seventh thought is that global equities will face tremendous headwinds as long-term risk-free rates (that is, government bond yields) mean-revert back to some semblance of normality, which means yields 50 per cent to 100 per cent higher than current marks. Recall that the 10-year government bond yield is an essential input as the underpinning for the discount rates in the valuation models for all listed and unlisted equity and real estate markets.

Sell ‘beta’ buy ‘alpha’

This insight furnishes an eighth idea, which is sell equity “beta” and buy “alpha”, as I advocated last year. Aussie shares (beta) have declined over the year to date while market-neutral and long-short hedge funds (alpha) have delivered terrific returns (at least the guys that I invest with have). This dynamic is unlikely to change.

In the more immediate term (over the next, say, one to two years), I like “spread” assets as the search for yield will remain a critical influence over investor behaviour as long as deposits do not offer any material “real” returns above inflation and equities continues to get hammered. One example is major bank subordinated bonds, which currently trade very cheaply on a global basis despite the majors being among the best capitalised banks globally, care of $33 billion of equity origination over the last 12 months. The credit ratings on major banks’ subordinated debt are on par with the senior bonds issued by Goldman Sachs, Morgan Stanley or Citigroup, and I think there is a decent chance they will get upgraded to the “A” band next year if Standard & Poor’s lifts the majors’ stand-alone credit profiles from “a” to “a+”, as it has signalled it may do.

A final thought is that if the world is once again forced to choose between elevated interest rates and high and volatile inflation, there is a possibility that the value of paper money will atrophy as a credible medium of exchange. This could precipitate a flight to safety in the form of a resurgence in the demand for gold as a hedge against the debasement of money by governments using the printing press to finance their own deficits.



#business gifts

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Many business owners send greeting cards and corporate gifts to show gratitude to clients and business partners. These gifts are often useless and end up being thrown away or regifted. The purpose of the gift is to standout and remind the individual about you or your brand long after the holidays.

Here are eight tips, from Entrepreneur. to help you select a gift that will leave an impression:

1. Make it useful. Give people something they can use throughout the year. Desk calendars, pens, small flashlights and letter openers are great examples of items every business person could use.

2. Give your product. Skip the shopping and extra spending, and give your product as a gift. It allows you to show gratitude while promoting your business.

3. Make a donation. Create goodwill by making charitable donations in the names of your business partners. An added bonus is the tax writeoff.

4. Look for exchanges. Ask other businesses about exchanging products and services. This will reduce costs, result in better gifts and serve as a marketing tool. Some companies you may want to talk to include movie theaters, restaurants, coffee shops and entertainment venues.

5. Personalize it. Include your business name on the corporate gifts you give. There is nothing wrong with branding the items you give to your business partners.

6. Spread it around. Give a gift that employees can benefit from. They are often left out while the owners and managers get all the corporate gifts.

7. Keep it simple. While it can be tempting, it is best not to go overboard. Remember that gift giving is a marketing strategy and does not need to cost you a lot of money. Be sincere and tactful in your gift choices.

8. Keep it healthy. Everyone loves treats, but too many sweet snacks go around during the holidays. There is no need to add to the cookies and chocolates your business partners are already receiving. The fall from a sugar rush can negatively impact businesses. If you want to send something edible, make sure it’s healthy.

Gift giving during the holiday season is a great gesture for business partners. Be sure to be reasonable, choosing items that are useful, cost-effective and serve to market your business.



#business plan format

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Sample Business Plan Excel

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#best business laptop

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Business Laptop Reviews, Ratings, and Pricing

Looking for a notebook computer for your small office or home office? Computer Shopper’s expert reviews of business laptops will help you find the best model for your needs. Our reviews and laptop ratings walk you through the exact components and features to look for. Computer Shopper’s business laptop buying guides offer side-by-side comparisons of today’s best small-business laptops. Also, check below for lab-tested reviews of our current 10 top business laptops.

HP’s MacBook for Business?

The new EliteBook Folio G1 is as slim and attractive as Apple’s MacBook, but with more ports, a better keyboard, and battery life that’s almost as long.

  • T Is for Tops

    In the T460s, Lenovo has redesigned its venerable ThinkPad T-series and added the latest hardware bits. It’s still one of the best 14-inch business ultrabooks on the market, with the best keyboard in the biz.

    The Face Is Familiar

    What if the XPS 13 had a Core M? Dell’s Latitude 13 7000 (a.k.a. Latitude 7370) is a new spin on a successful, nearly-no-bezel ultralight.

  • Playing the Workstation Card

    A mobile workstation with a family resemblance to the GS72 Stealth gamer, the 17.3-inch MSI WS72 provides ample power for $2,699.

  • New Reviews



    #business ideas for women

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    Inspiring Women Entrepreneurs on How to Find Your Business Idea

    Credit: Dragon Images/Shutterstock

    Women may have once been pigeonholed into certain professions, but no longer are they simply expected to do gender-specific jobs. Female professionals are taking control of their careers in a way that works best for them, including when and how they start their own businesses.

    Everyone has to start a business that s meaningful to them; I think it s an old model to tell [women] to go into a specific field, said Carin Rockind. a happiness and life purpose expert. I think that s got us to where we are today. What you re passionate about is way more important. Women need to tap into what they re good at and what makes them feel great.

    American Express OPEN s 2016 State of Women-Owned Businesses Report found that 11.3 million U.S. businesses are currently owned by women, and an average of 1,072 new female-owned companies are being started every day. This number is growing five times faster than the national average for all businesses, meaning more women than ever are taking the leap into entrepreneurship. [See Related Story:Money and Connections Still Hurdles for Women Entrepreneurs]

    As to what kinds of businesses a female entrepreneur should start, businesswomen agree that the sky is the limit.

    I don t think there are any guidelines to the type of companies women should begin, said Cologne Trude, co-founder and creative director of Show Me Your Mumu. a boho-chic clothing line. Women s strengths are so diverse that opportunities are endless.

    I think women should get excited about what excites them, added Melinda Emerson. an author and business coach known as SmallBizLady on Twitter. There aren t [enough] women-centric businesses out there.

    Where to start

    Emerson suggests starting a business you know something about. When you re ready to begin the business you re most passionate about, consider your limitations.

    I have seen people quit really good jobs to start businesses they hate, Emerson said. There are fantasies of grandeur about running a business. It s really hard out there.

    If you have no savings, no money and bad credit, you should not start a business, Emerson said. She suggests saving 20 to 40 percent per paycheck before you quit your job to begin your business.

    Most important, Emerson emphasized the importance of doing your research. Make sure you know who your paying customer is.

    You always have to check and make sure your business model makes sense in an industry that s growing and not sinking, Emerson said. It needs to be relevant three to five years from now. You don t want [technological advances] taking your business.

    As you get your business off the ground, surround yourself with people who will help you succeed, whether it s through support or lending a hand to get the business started, said Cammy Miller, co-founder and creative director of Show Me Your Mumu.

    Being a leader doesn t mean you have all of the answers and the more open you are to learning from everyone around you, the more you can grow in your role, Miller said.

    One of the things that s been harder for me to learn is to bring other people with you, happiness expert Rockind added. It s very lonely to have your own business. There are so many important skills, and you can t be good at everything. ItꞋs OK to ask for help and collaborate with other people.

    Love what you do

    Building a business from the ground up is challenging no matter how you look at it. But, ultimately, you should love what you do.

    I always encourage female entrepreneurs to be strong and work hard at what they love. Starting and running a business is by no means easy, and there are going to be a lot of hardships and emotional setbacks, Trude said. As a female, running Mumu has been very stressful and emotional at times, but every tear has been worth it and I am stronger because of it.

    If Rockind had to go back in time to give herself advice, it would be to just do it.

    You have to put yourself out there, she said. Believe in yourself and your purpose.

    Shannon Gausepohl graduated from Rowan University in 2012 with a degree in journalism. She has worked at a newspaper and in the public relations field, and is currently a staff writer at Business News Daily. Shannon is a zealous bookworm, has her blue belt in Brazilian jiu jitsu, and loves her Blue Heeler mix, Tucker.

    You May Also like

    Are You Ready to Start a Business? 20 Questions to Ask Yourself

  • 14 Online Business Ideas You Can Start Tomorrow

  • 5 Workplace Confidence Killers and How to Beat Them



  • #business cards design

    #

    Avery WePrint Business Cards

    Ordered business cards. Love Avery design tool. The cards turned out wonderful. I had them print and they look amazing. Price was competitive too. Google Trusted Store Review (June 4, 2016)

    Easy to create business cards that included my own image and text. Quality is nice. Google Trusted Store Review (April 30, 2016)

    I received an email from them with a layout problem. They corrected it, printed it and shipped before I had a chance to respond! The cards were perfect, just how I had hoped they would turn out. Google Trusted Store Review (April 24, 2016)

    The quality of the finished product from Avery WePrint was awesome, the design tool was easy to use and the customer service rep was very helpful with my questions about production/shipping deadlines. Will definitely use again. Google Trusted Store Review (December 14, 2015)

    Business cards looked professional – good quality material and crisp color printing! Google Trusted Store Review (November 8, 2015)

    * Flat rate shipping offer applies to economy shipping only. If another shipping method is selected, charges may apply. Offer applies only to orders shipped to
    the United States and Puerto Rico. Offer subject to change.



    #investment ideas

    #

    Check the background of Motif Investing, Inc. on FINRA s BrokerCheck .

    Performance of motifs is for informational purposes only and is based on performance of a motif for a one-year period. Past results are not an indicator of future performance. See how we calculate returns .

    Investing in securities involves risks, you should be aware of prior to making an investment decision, including the possible loss of principal. An investment in individual stocks, or a collection of stocks focused on a particular theme or idea, such as a motif, may be subject to increased risk of price fluctuation over more diversified holdings due to adverse developments which can affect a particular industry or sector. Investments in ETFs can include those with a narrow or targeted investment strategy and can be subject to similar sector risks than more broadly diversified investments. Motif makes no representation regarding the suitability of a particular investment or investment strategy. You are responsible for all investment decisions you make including understanding the risks involved with your investment strategy.

    Motif Capital Management, Inc. is an SEC-registered investment adviser and a separate, wholly-owned subsidiary of Motif Investing, Inc. a registered broker-dealer and member SIPC.

    ©2016 Motif Investing, Inc. All rights reserved. Build Id: Master.204



    #business plan format

    #

    Sample Business Plan Excel

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    #business card magnets

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    Only one promo code can be used per order. Savings will be reflected in your shopping cart. Discounts cannot be applied to shipping and processing, taxes, design services, previous purchases or products on the Vistaprint Promotional Products site, unless otherwise specified. Discount prices on digital products are valid for initial billing cycle only. Additional charges may apply for shipping and processing, and taxes, unless otherwise specified. Free offers only valid on the lowest quantity of each product and not valid on more than 2 items per order.

    Promo code has been applied:

    Enter your TV/Radio code or another promo code: Have a different promo code?

    Only one code may be used per order.

    Have a promo code.

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    Magnetic Business Cards

    25 starting at $10.00

    Make your business stick with customers.

    • Add your company logo, images and personalized text
    • Customize colors, font, text and more.
    • Add your name, logo and contact information.

    Pricing Product Specs