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 investments will fluctuate, which will cause fund prices to fall as well as rise and you may not get back the original amount you invested.

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2017 MAY

Insights

M&G Investments

18/05/2017

Six myths about emerging markets

It is likely that you have heard of ‘emerging markets’, but do you really know what they are, and understand the investment proposition they offer?

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Insights

16/05/2017

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 £6.8 trillion, as of January 2017. 

Given their relatively high cost, homes are often households’ most valuable asset. Understandably, property ‘nest eggs’ are central to most people’s long-term financial plans – in many cases more so than pensions and other savings or investments.

However, over-relying on any single asset, even a property, to pay for your future carries risks. Bricks and mortar might have delivered stellar capital growth recently, but house prices can go down as well as up.

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2017 APR

Insights

M&G Investments

21/04/2017

Investing monthly for your future

Discipline is all important when it comes to saving effectively for your future.

Directing an affordable amount each month straight to your Individual Savings Account, or ISA, is one way to help make sure that you’re setting aside money sustainably for your future.

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Insights

Ritu Vohara and Ana Cuddeford, M&G Investment Directors

14/04/2017

Smart Money – Europe: To buy or not to buy?

Amid rising consumer and business confidence and a resurgence in company earnings, M&G Investment Directors Ritu Vohora and Ana Cuddeford discuss the European investment picture.

Watch the video

Insights

12/04/2017

Lost property: investing beyond buy-to-let

Talking money may be taboo in polite company, but not talking about property. The British captivation with bricks and mortar transcends status and wealth.

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Insights

M&G Investments

06/04/2017

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

Insights

06/04/2017

Compounding opportunities

The humble Individual Savings Account or ISA may be home to roughly £500 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 new personal tax-free allowances were rolled out this April for dividend and savings income.

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Insights

Insights

06/04/2017

Saving for futures: Junior ISAs

Young adults in the UK have arguably never faced such daunting financial challenges.

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Insights

04/04/2017

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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2017 MAR

Insights

Fiona Rowley, Fund Manager, M&G Property Portfolio

29/03/2017

Article 50 and UK commercial property

Transactions in the UK commercial property market might be down on last year, but the fundamentals look sound as the Brexit process gets under way.

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Insights

Steven Andrew, fund manager in M&G’s Multi Asset team

29/03/2017

Article 50: What can we know?

Leaving the European Union (EU) could be the most significant change to the UK economy in a generation. Then again, the impact might be so small, we may not even notice.

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Insights

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

29/03/2017

Article 50: What does it mean for bond markets?

UK Prime Minister Theresa May has today set the UK on course to withdraw from the European Union (EU). With an absence of surprises in her letter triggering Article 50, bond and currency markets were little changed.

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Insights

M&G Investments

10/03/2017

Taking a pounding: how inflation can erode the value of £1

With 12 sides and a wealth of security features, the Royal Mint claims the UK’s new £1 coin is the “most secure in the world” against counterfeiting.

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Insights

09/03/2017

Why M&G believes in active investing

At 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.

First things first, here’s the distinction: 

Active investors will follow their own convictions and make investment decisions on a case-by-case basis in pursuit of specific investment goals. 

Passive investors, in contrast, look to mirror the performance of a particular market benchmark, like the FTSE 100 Index of UK-listed companies. 

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Insights

09/03/2017

Four ways you could beat inflation

Inflation is back. After two years when consumer prices in the UK barely rose, the annual rate of inflation has shot above the Bank of England’s target of 2%.

In February 2017, the rate of consumer price inflation rose to 2.3% – the highest since September 2013. While nowhere close to historic highs, higher inflation stands in contrast to near record low interest rates offered on cash savings.

To protect your purchasing power over time, your savings need to grow at least as quickly as prices are rising. Here are four ways that you could navigate the challenge posed by rising inflation, and help protect the value of your savings from its corrosive effects.

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Insights

09/03/2017

Are your investments diverse?

It is possible that your long-term financial well-being relies too much on too few investments.

There are often good reasons why you could be over-exposed to certain assets. You might, for instance, have acquired company shares through your employer’s share scheme, or perhaps inherited a rental property.

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Fund updates

M&G Global Floating Rate High Yield Fund

09/03/2017

A defensive approach to high yield investing

Launched in September 2014, the M&G Global Floating Rate High Yield Fund aims to deliver income and capital growth by investing primarily in high yield floating rate notes (FRNs) – bonds paying a variable coupon that is regularly adjusted in line with changes in interest rates.

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Insights

M&G Investments

08/03/2017

Spring Budget 2017: what stands out for UK investors?

The British Chancellor of the Exchequer, Philip Hammond, has delivered his first (and final) Spring Budget, painting a picture of a resilient UK economy but refraining from announcing any major tax or spending policies.

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Insights

Insights

02/03/2017

Active vs passive investing

For many investors, funds can offer a cost-effective way to diversify your investments as they bring a range of individual assets together in one single product.

Funds come in many shapes and sizes, and try to achieve different things using their different approaches. There is a fundamental distinction to make between two of the overarching approaches to managing a fund – active and passive investing.

It’s important to understand the differences between these investment philosophies which, to an extent, can be seen as polar opposites. In this article, we outline the key points of differentiation, as well as some of the pros and cons of each.

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