Investment Insights

Our range of fund articles and market insights are designed to help you navigate the wider financial landscape with confidence. Keep informed with our Q&As and videos from the fund management floor or read more about the investment topics that matter to you with our commentaries from across the industry.

The value of the fund's assets will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested.

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2019 AUG

Insights

Ben Constable-Maxwell

13/08/2019

Investing in solutions for the planet

Harnessing the power of innovation can deliver positive outcomes for investors and the environment.

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Insights

06/08/2019

Safe as houses?
The dangers of relying on your home as a nest egg

It’s not hard to see why investing in the UK property market might seem so attractive.

Over the past two decades, average house prices have almost quadrupled. This capital growth has made UK homes an enormous store of wealth, with an estimated total value of £7.3 trillion, as of January 2019.

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Insights

Insights

06/08/2019

Why M&G believes in active investing

A M&G, we passionately believe in the power of active investing.

You might have read about the so-called “active versus passive” debate in the financial pages. In our view, this is something of a false dichotomy – both types of investment strategy can play a role in a well-balanced portfolio.

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Insights

05/08/2019

Investing in retirement: Is there room for growth?

As you were building up your investment pot over the decades, in all likelihood you pursued growth above all else, looking to maximising the value of your savings.

Your priority in retirement may well be to generate an income from your investments, rather than to pursue further capital growth. After all, turning on the taps for an extra income stream could help you realise your ambitions.

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Insights

Jim Leaviss, Head of Retail Fixed Interest, M&G

05/08/2019

Why its brave to bet against Bunds

During my 25 years in bond markets, there’s always been one potentially lethal trade for bond investors.

The “widow-maker” baton has changed hands through the years, but in each case investors have made very costly bets against bond prices continuing to rise. Today, it is German government bonds that pose this threat.

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2019 JUL

Insights

M&G Investments

31/07/2019

Don’t fall prey to investment scams

From simple cons to elaborate schemes, attempts to prise away your hard-earned money are nothing new. Yet there are arguably more windows of opportunity for scammers today than ever.

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Insights

M&G Investments

31/07/2019

Introducing investing to children

Finance is often perceived as complicated and remote, but this can be a costly impression. Understanding money matters is a valuable life skill.

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Insights

Insights

30/07/2019

Compounding opportunities

The humble Individual Savings Account or ISA may be home to roughly £600 billion of personal savings in the UK, but it has been overshadowed of late. Major reforms have transformed pensions, making them much less restrictive, and personal tax-free allowances have been introduced for dividend and savings income.

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Insights

30/07/2019

Investing to grow your savings

The pursuit of capital growth is arguably the most basic of investment goals. By putting your money to work, you can aim to grow its value over time, hopefully leaving you better off.

The value of the fund's assets will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested.

Read more

Insights

M&G Investments

30/07/2019

Unleashing the piggy bank’s potential

Going for growth through investments could give a child a head-start.

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Insights

M&G Investments

29/07/2019

Three steps to overcoming investment anxiety

Horrid phrase it may be, but it is no less true that uncertainty is often the only certainty. When it comes to investing for our futures, the constant of uncertainty can be unnerving. After all, who wants their hard-earned savings to plunge in value?

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Insights

M&G Investments

26/07/2019

Can one fund ever be enough?

When it comes to investing, managing risk is all-important. It can be prudent to spread your money over a range of different assets, so that all of your eggs aren’t in one basket.

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Insights

26/07/2019

Four ways you could beat inflation

While nowhere close to historic highs, the rate of inflation continues to be higher than the near-record low interest rates offered on cash savings.

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Insights

M&G Investments

24/07/2019

An M&G guide to tax and investing

The UK tax man casts a wide net and income from personal investments, in terms of savings and employment income, are firmly within his reach.

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Insights

M&G Investments

23/07/2019

The real returns on cash savings

When we save or invest money, a common goal is for it to grow faster than prices are rising, or at least as quickly. This is because we know that inflation erodes the value of cash – in other words, reducing what can be bought with a £1 coin or £20 note over time.

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Insights

19/07/2019

An M&G guide to investing in listed infrastructure

Modern life hinges on the functioning of a vast network of systems and structures that enables us to live and work as we do. Building and maintaining these important assets can cost a lot, but the rewards for long-sighted investors in successful assets can be great.

This guide explains our approach to investing in listed infrastructure, and why we believe that this asset class can bring valuable benefits to long-term investors.

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Commentary

Steven Andrew - Fund Manager

16/07/2019

Investing in retirement: Beware over-relying on the UK for income

Whatever your goals for life after work, the key is having the income to meet your needs and bring your aspirations to life.

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Insights

M&G Investments

16/07/2019

Sharing the joy of investing

It is often said that we don’t talk enough about money in this country. Financial matters can be taboo at the dinner table and tend to be overlooked in the workplace.

Unless we’re interested enough to read the financial pages, it is quite possible to live a full and happy life without knowing much, if anything at all, about investing. Yet an awareness of the options available to us can create powerful opportunities for our long-term savings.

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M&G Investments

15/07/2019

Three ways investors can target a rising income

Having carefully squirrelled money away for your retirement, you may have reached a stage where you now want to transform those savings into income.

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15/07/2019

Why regular investing is a valuable ally

It is not uncommon to have a sum of money that you decide to invest for your future. While it is important to know where to invest it, how you choose to do so is vital.

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Insights

M&G Investments

08/07/2019

Investing in bonds: 3 reasons not to go with the flow

The cheapest way to invest in the global bond market may not always be the most cheerful.

The attraction of so-called passive funds is typically their lower costs. They try to mirror the composition of a given market – bonds issued by governments, for instance – offering you, the investor, a way to get exposure to all of it.

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Insights

Stuart Rhodes - Fund Manager

08/07/2019

Why dividends matter

“Do you know the only thing that gives me pleasure? It’s to see my dividends coming in,” said the US industrialist John D. Rockefeller. The principle of owning stocks with consistent dividends made Rockefeller incredibly wealthy more than a century ago. The investment strategy that made him the world’s first billionaire is just as relevant today as it was in the nineteenth century.

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2019 JUN

Insights

M&G Investments

20/06/2019

Is inflation a threat to your wealth?

Money is only ever really worth what you can buy with it.

Over time, rising prices erode the value of cash. Compare, if you will, how far £10 could stretch when you were younger to what it will buy today. It’s not just the price of goods that has risen over the past decades, but also assets like property.

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Insights

M&G Investments

19/06/2019

Opening your stocks and shares ISA - a checklist

If you are thinking of joining the 2.8 million savers who invest tax-efficiently into stocks and shares ISAs, or individual saving accounts, there’s so much choice it might be difficult to know where to start.

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Insights

M&G Investment

18/06/2019

How to supplement your retirement income

Making sure you have enough income to support your needs and aspirations in retirement is never straight forward. For many, the challenge has become more acute with the squeeze on many traditional income streams.

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Insights

18/06/2019

Reasons to consolidate your ISA investments

You may well have opened Individual Savings Accounts, or ISAs, with several providers over the years, but do you know what is going on with each of them?

If you find keeping a tab on your different ISAs challenging, you could consider whether consolidating them into fewer accounts – or perhaps just one – might make life easier.

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Insights

M&G investments

13/06/2019

Passing on your investments

We all know that the best investments are long-term. Arguably the ultimate investment we can ever make is in our family and friends.

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Insights

Ben Constable-Maxwell and John William Olsen

12/06/2019

Investing for impact: profit with purpose

How can we aim to achieve a positive social and environmental impact with our long-term investments?

Would you like to pursue more than financial returns from investing? You can count yourself among a growing band of investors if so.

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Insights

M&G Investments

12/06/2019

Investing in the next generation

It’s natural to want to give younger members of your family a leg up financially. We all know how expensive life can be, especially at certain times – whether that’s buying a family home or studying.

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Insights

Ben Constable-Maxwell - Head of Sustainable and Impact Investing at M&G Investments

11/06/2019

Investing in a healthier society

How companies can target sustainable returns from addressing the world’s healthcare challenges.

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Insights

Insights

06/06/2019

An M&G guide to income investing

Generating a strong and reliable income from your savings and investments is never exactly easy, but it is particularly challenging in the current era of ultra-low interest rates.

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Insights

Maria Municchi, fund manager

05/06/2019

Can we invest responsibly in government bonds?

When it comes to investing responsibly, there are inevitably debates about what types of investment should or should not be considered eligible. Often, investment decisions are based on the environmental, social and governance (ESG) characteristics of an asset.

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Commentary

John William Olsen, Fund Manager

04/06/2019

Creating wealth sustainably for the long term

John William Olsen

Sustainable investing can naturally mean different things to different people. From my perspective, as an investor in company shares, it boils down to the long-term durability of businesses.

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Insights

Jenny Rodgers, fund manager

04/06/2019

Brexit, the UK economy and the folly of forecasting

‘An economist is an expert who will know tomorrow why the things he predicted yesterday didn’t happen today.’ Laurence Peter

Economists are easy targets for critics and comedians since their forecasts are nearly always proven wrong by events. A popular joke is that economists exist to make weather forecasters look good.

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Insights

Tom Dobell - Fund Manager

01/06/2019

Saving good companies from the wolves

Most investors hate bad news, and nothing grabs business page headlines quite like a good profit warning or run-in with the regulator.

Momentum is a powerful force in driving the direction of stock prices – arguably more so nowadays than ever – and when confidence in a company is rattled, events can quickly snowball. Share prices can be sent into freefall by investors’ tendency to ‘herd’, following others by panic-selling when there is a whiff of trouble.

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