Author: Orhun

Orhun is a personal finance and investment enthusiast. Especially interested in behavioural finance and how psychology plays an important part in financial decision making. Orhun holds an MSc degree in finance from The University of Edinburgh.

Thematic investing is being touted as the latest revolution in investment. So how does it work? Today we break down its core concepts for you and help stay ahead of the evolving investment industry and its trends. What is Thematic Investing? Traditional investing focuses mainly on the here-and-now, or what is. There’s no focus on building your portfolio around specific concepts. Instead, you take a selection of what works and what is delivering gains in the risk profile you prefer. Thematic investing, on the other hand, looks at the long-term trends and is built around-you guessed it- core themes. It…

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We will share the top 4 Robinhood alternatives for UK investors in this post. Robinhood has revolutionised the way that individuals like you and I can access the stock market. Once only accessible by high stakes investors and the rich, the Robinhood model has opened up the market and made it possible for small-stakes, ‘ordinary’ people to grow their wealth and capital through the stock market, especially since ETFs made diversified entry into the stock market a reality for the small scale investor. How can we leverage similar benefits and convenience in the UK? We’ve hunted down the best UK…

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As you get comfortable with the world of investing, you’re bound to encounter the term ‘sentiment cycle’. What is this key part of the business cycle, and how does it affect your investment strategy? Let’s take a closer look. What are the market cycles? This key concept in behavioural economics refers to the ‘emotional’ aspects of an investment’s lifetime. Speaking broadly, we see both markets and individual stocks go through four key life stages: They rise They peak They fall They bottom out Properly, these are the accumulation, uptrend/mark-up, distribution, and downtrend/mark-down phases of the market. This process is cyclical.…

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While the ‘official’ investment category is pretty new, the idea of buy-to-let property as an investment is not a new one. It seems like an easy investment opportunity, too- you put down as little as 20% of the property value, and the bank ‘pays’ for the rest, right? It’s not quite that easy, but it can be a lucrative investment for the right person. Let’s take a closer look. What is buy-to-let property investment? But-to-let property investment sees you purchase a house or a commercial property specifically to rent. Ordinarily, this would only be in the realms of the well-off,…

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Whether you’re already asking yourself, “Should I invest in green savings bonds?”, or you simply want to know a little more about this asset class, we’re here to help. Today we’re looking at the basics behind the brand new Green Savings Bonds in the UK, and everything you need to know to make a smart investment decision. What are green savings bonds? Green savings bonds are the new brainchild of the National Savings and Investments. For those unfamiliar with the entity, it’s the amalgamation of what was the Post Office Savings Bank and the National Savings. More importantly, it’s a…

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The 2020s have brought us some interesting times. For the financial markets, perhaps one of the strangest phenomena to arise this decade so far has been the birth of ‘meme stocks’. In fact, some have declared this the meme stock era! In a financial world that’s certainly less predictable than anyone could have guessed, what is this upstart new phenomenon, and do you need to pay attention? Let’s take a look at the world of meme stocks. Taking the meme into the financial world Like them or loathe them, memes are now part of our daily landscape. Boosted into iconic…

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There are certain differences between banks and building societies. Banks have a major role in the financial system and the economy. One of the primary functions of banks are borrowing and lending money. For example, a bank take deposit from you in return for an annual interest payment. The bank then uses these funds to lend loans to other people and companies. (While creating fiat money in this process!) Building societies are alternative financial intermediaries to the banks. Building societies are mutual organisations that offer some of the services provided by banks. Including managing the deposit and loan operations. Using a building society might be…

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