This month the Cuddle covers dividend investment, looking at the difference between share and fund dividend payers.  We talk through OEICs, investment trusts and bonds with a look at payment intervals.

This month the Cuddle covers investment fund names, looking at the different types.  We talk through the options for what to buy with a look at why your platform might be influencing your options and annual fees.

Music by https://audionautix.com

Information links

Fundsmith https://www.fundsmith.co.uk/factsheet/

BlueWhale https://bluewhale.co.uk/factsheet

This month the Cuddle takes a lighter approach with a look at some of our favourite music related to money and finance.  We will be back in the New Year with some more financial focussed content, enjoy the holidays wherever you find yourself.

Music by https://audionautix.com

Information links

Universal Robot Band - Barely Breaking Even

Abba - Money, Money, Money

John Rich - Shuttin' Detroit Down

Shirley Bassey - Big Spender

Craig Morgan - Almost Home

Beatles - Taxman

Ronnie Dunn - Cost of Living

Bobbie Gentry - Fancy

The flying lizards - Money

Willie Nelson - If You've Got the Money I've Got the Time

Aloe Blacc - I Need a Dollar

The Investment Cuddle Playlist (Spotify)

https://open.spotify.com/playlist/1OLg43NBSrBEGT5DiPQP33?si=hwi_7tRpTgqggUVtOMj_hw&utm_source=native-share-menu

This month the Cuddle covers the second part of its look at pensions, including when to start.  We talk through the options for retirement with a look at why you might want to reassess your pension to spread the risk in retirement.

Music by https://audionautix.com

Information links

How has life expectancy changed over time?

https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/lifeexpectancies/articles/howhaslifeexpectancychangedovertime/2015-09-09

COVID-19 - The long view, History suggests that this pandemic will be a short-term interruption to long-run improvements in life expectancy, which should resume within a few years.

https://www.cam.ac.uk/stories/covid19-the-long-view

This month the Cuddle covers the first part of our pensions episodes, looking at the different types.  We talk through the options for do it yourself pensions with a look at why you might want to reassess your contributions and those of your dependents.

Music by https://audionautix.com

Information links

Defined benefit vs Defined contribution https://www.investopedia.com/ask/answers/032415/how-does-defined-benefit-pension-plan-differ-defined-contribution-plan.asp

SIPP https://www.investopedia.com/terms/s/self-invested-personal-pension-sipp.asp

This month the Cuddle covers ESG (Environmental, Social & Governance) investing, looking at what is ESG and what is it not!  We talk through the ratings of companies within a range of sectors with a look at why you might want to be your own ESG investor.

Music by https://audionautix.com

Information links

ESGS https://www.londonstockexchange.com/stock/ESGS/invesco/company-page

L&G future world developed index https://www.legalandgeneral.com/consumer/fund-iframe/investments-productsandfunds-indextracker-fund-future-world-esg-developed-index-fund.jsp

Vanguard ESG emerging market index https://www.vanguardinvestor.co.uk/investments/vanguard-esg-emerging-markets-all-cap-equity-index-fund-gbp-acc

Aegon ethical equity fund https://www.aegonam.com/en/strategies--funds/equity/ethical-equity-fund/

FEET https://www.feetplc.co.uk

Fundsmith Equity www.fundsmith.co.uk/fund-factsheet

BNY Bank of New York Mellon Sustainable Real Return Fund https://www.bnymellonim.com/uk/en/intermediary/fund/bny-mellon-sustainable-real-return-fund-uk-domiciled-newton-institutional-shares-2-accumulation-gb00bd6drh93/

First state investors Asia focus https://www.firstsentierinvestors.com/uploadedFiles/Content/UploadedLiterature/auto/EMEA/pdffundfactsheets/GB00BWNGXJ86-First-State-Asia-Focus-Fund-B-GBP-en-gb.pdf

Stewart investors Indian subcontinent fund https://www.stewartinvestors.com/uk/en/intermediary/our-funds/GB00B2PF5X11.html

Jupiter ecology fund https://www.fidelity.co.uk/factsheet-data/factsheet/GB00B4KLC262-jupiter-ecology-i-class-acc/key-statistics

Smarter Markets podcast https://www.smartermarketspod.com

This month the Cuddle covers technology company investing, looking at UK technology companies.  We talk through the highs and lows of key companies within the US tech sector with a look at why you really need to be a longer-term investor.

Music by https://audionautix.com

Information links

Ceres power https://www.ceres.tech

ITM power https://www.itm-power.com

Marlborough Nano Cap Growth Fund https://citywire.co.uk/funds-insider/fund/marlborough-nano-cap-growth-fund/c450133

Venture Capital Trust https://www.theaic.co.uk/guide-to-investment-companies/vcts

This month the Cuddle covers technology company investing, looking at the US technology sector and beyond.  We talk through when, how and how not to invest in the sector with a look at what really constitutes a tech company.

Music by https://audionautix.com

Information links

Nasdaq https://www.nasdaq.com/market-activity/index/comp

XLK ETF https://www.morningstar.com/etfs/arcx/xlk/quote

QQQ ETF https://www.investopedia.com/ask/answers/061715/what-qqq-etf.asp

Love Actually (2003) https://www.youtube.com/watch?v=H9Z3_ifFheQ

InvestTalk https://kppfinancial.com/investtalk-podcast/

This month the Cuddle covers retail investing, looking at the stores we have lost on the high street and picking some of our favourites.  We talk through options for how to invest in the sector with a little look at commercial property investment funds.

Music by https://audionautix.com

Information links

TR Property Investment Trust https://www.trproperty.com

Aberdeen UK Property Fund https://www.aberdeenstandard.com/en/uk/adviser/fund-details/aberdeen-uk-property-fund/a-inc/gb00btlx1d00

BMO Commercial Property Trust https://www.bmogam.com/commercial-property-trust/

This month the cuddle covers inflation with a little help from https://www.inflationarypressure.com. We outline the types of inflation measurements and whether inflation really matters anymore? Using inflationary pressure.com we look at RPI, CPI, compound interest, average earnings and compare these to council tax, food, automobiles, rail fares and clothing.

You can compare the charts for yourself at https://www.inflationarypressure.com or look out for the video on our YouTube channel https://www.youtube.com/channel/UC3wVPbGt6B-UFnUPUk1jEAQ

Use the drop-down lists on the website to compare the following;

CPI vs RPI

5% Compound Interest vs 7% Compound Interest

Council Tax vs 5% Compound Interest

Council Tax vs Average Earnings

RPI vs Average Earnings

RPI vs Total Food Inflation

Average Earnings vs Buying a Car

RPI vs Rail Fares

Average Earnings vs Rail Fares

RPI vs Children's Clothing

Average Earnings vs Children’s Clothing