Image source: Getty Images The SIPP, or Self-Invested Personal Pension, is one of the most flexible and tax-efficient ways to save for retirement. For anyone reaching 40 with little or no savings, the idea of building a £500k pension pot might seem out of reach — but it’s not impossible. With disciplined contributions, smart investing, and the power of compounding, it’s still achievable over a 25-year horizon. A SIPP allows investors to choose their own funds, shares, bonds, or ETFs, giving greater control over long-term returns compared with traditional workplace pensions. The key is starting now and sticking to a…
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We discuss whether you should invest in a debt index fund and also list debt index funds in India as of November 2025. There are two types of debt-based passive funds in India. (1) Target Maturity Funds, which would buy and hold an index portfolio and hold it until maturity, thereby reducing interest rate risk at the time of withdrawal. The credit risk in funds is also relatively low as they typically invest in gilts and state development loans. For more information, refer to FAQ: Target Maturity Debt Mutual Funds. After maturity, many of these funds are likley to become…
Image source: Getty Images It’s fair to say that holders of Greggs (LSE: GRG) shares aren’t having the best of times. While other FTSE stocks have absolutely soared in 2025, the sausage roll seller has seen its value crash by 40%. Surely things won’t get any worse? Well, I’ve noticed something that might be rather concerning for anyone still holding on. Worrying development Whenever I’m researching an out-of-favour stock, I always make a point of checking how much shorting activity there is surrounding it. In other words, I look to see whether a proportion of traders are betting that the…
Image source: Getty Images I’m so glad I bought Lloyds (LSE: LLOY) shares in June and September 2023. It was one of the very first stocks I targeted when loading up my brand-new Self-Invested Personal Pension (SIPP), which I set up after transferring three legacy pension schemes. The big FTSE 100 banks have all been on a tear since then. The Lloyds share price is up 67% over the last year, and 125% over two. Personally, I’m up 96%, which is a fantastic capital return from a blue-chip that took years to shake off the grim legacy of the financial…
Image source: Getty Images This exciting mid-cap growth stock caught my eye after going gangbusters in October. Green energy specialist Ceres Power (LSE: CWR) was the best performing FTSE 250 stock in October, jumping almost 75%. Of course, that doesn’t mean it will keep climbing in November. Profit takers have already started to emerge, and Ceres has shown it can be volatile. It’s up 360% in six months, but only 33% over the year, and down 62% over five years. It looks like this one could be a rollercoaster ride. Ceres has the power Ceres develops solid oxide fuel cell…
Image source: Getty Images It’s a brand-new month and I’m looking for the best share to buy in November. Yet this is a tricky time to be an investor. Lately, we’ve had repeated warnings about a potential stock market crash. Many think artificial intelligence will be the trigger. They say AI is in a bubble. That we’re looking at the dotcom boom and bust all over again. Will the FTSE 100 fall? That always happens at this time of year. October has history. The Wall Street crash happened in October 1929, as did the Black Monday meltdown in 1987. So…
Image source: Getty Images When searching for ways to generate increasing amounts of passive income, I think it’s natural to gravitate to the UK’s biggest and best-known companies. For an extra dollop of diversification, however, I reckon it’s also worth looking a little further down the market spectrum. Fact is, there are plenty of smaller businesses boasting great records of raising the amount of cash they return to investors every year. Let’s take a closer look at one from the FTSE 250. Soaring share price Despite having a market cap approaching £2bn, I suspect OSB Group (LSE: OSB) — formerly…
Image source: Getty Images Global stock markets sure have enjoyed a strong run over the past five years, with the S&P 500 up roughly 110%. Meanwhile, the FTSE 100 has risen approximately 75%. However, with valuations in many US growth stocks now looking very stretched, market watchers are voicing concerns about a potential correction. So it’s not unrealistic to expect the next five years might bring more modest returns. With the FTSE 100 less dominated by high-flying growth companies, I’m thinking it may be smart to consider opportunities closer to home. One I find particularly compelling is London Stock Exchange…
Image source: Getty Images A dividend yield creeping above 8% is often a warning sign of a dividend about to be reduced or cancelled, but not so with Legal & General (LSE: LGEN) shares. The pension provider has been a regular name at the top of the FTSE 100 dividends leaderboard for years. Its 8.81% return over the last 12 months gives it the number one spot as I write! For anyone looking for the biggest cash return, Legal & General might seem a no-brainer buy. But are there hidden dangers here for dividend hunters? Or is this big-paying company…
Image source: Getty Images The FTSE 250 hit a fresh 52-week high this week, and I reckon a chunk of that momentum came from one surprising source: Goodwin (LSE: GDWN). The little-known industrial engineering group stunned the market after upgrading its profit forecast, soaring an incredible 50% in a matter of days. On Tuesday (28 October), its shares briefly touched £238, up from around £135 just a week earlier. That’s quite a move for a family-run firm that’s been around since 1883. But what exactly does Goodwin do, and is this surge sustainable? A quiet achiever within the FTSE 250…