Category Archives: Finance

Investment Trusts

Investment trusts are companies established to invest money for shareholders. These companies are commonly found in the United Kingdom. Investment trusts invest the money of shareholders in property, bonds, shares and other assets. They look for assets that can increase in value in the future. A fund manager is usually appointed by a board of members. The fund manager then decides where to invest the shareholders’ money.

One of the best things about investment trusts is that the trust doesn’t need to liquidate assets so that shareholders can recover their money. Investment trusts also pay good dividends and can provide great returns when managed properly. Investment trusts are different from other investments. Here are some of them.

Shareholder Rights

You become a shareholder when you invest money in an investment trust, so you are given the right to vote on matters like making modifications to the investment policy or selection of directors. Investment trusts can also borrow money to capitalize on investment opportunities. Borrowing can boost the returns for you. However, it can also increase the possibility of losses if the value of assets falls.


Investment trusts have a predetermined number of shares. The fund manager can sell and invest assets when they think it’s the right time. This means the primary capital investment base is quite stable. Compared to SICAVs and OEICs, investment trusts generally have smaller operating costs. As such, their charges are usually lower. Investment trusts have a board of directors that protects the shareholders’ interests.

Some investment trusts also offer subscription shares. These shares allow shareholders to purchase full shares in the investment trust at some point in the future at a set price. You can talk to your financial adviser if you are not sure about investing your money in an investment trust.

Unit Trust Pricing is Based on Net Asset Value

Unit trust pricing depends on Net Asset Value. Investment trusts also don’t have an initial charge. Shares in investment trusts can be sold and purchased at a price that’s lower or higher than NAV. As such, you can purchase shares in investment trusts at a lower price. If the share price is higher than NAV, the shares are believed to be trading at a premium. If the share price is lower than NAV, the shares are trading at a discount.

Talk to your financial adviser if you have doubts about investing in investment trusts. For more information, visit

Small Business Accounting

The accounting world has many different layers and each person or business is going to need to know what they should do to run a smooth and successful small business. It is important to know everything that will need to be done in terms of your accounting before you start your business. When you are a small business, it is important to have the right tools at your disposals so you can fully operate to the best of your abilities. No one likes to be surprised come tax season, so if you know what to do, or use someone to help you do the taxes, your business will stay lucrative and successful every year.

There are plenty of different software programs that small businesses can use to do their accounting for the month. It is important though, that you know how to work them and make sure that your numbers are where they should be. If you are unfamiliar with how to work software for accounting, it is important that you have someone who does know how to work it, helping you. There are options for you to take if you do not know what to do, and one of them is to hire Accountancy Plus.

Steps to financial freedom

English: Tax rates for the highest (red) and l...

(Photo credit: Wikipedia)

It is well known that there are many more poor and middle class people in the world, than there are rich people. So it would be logical to deduce that the majority of the population is worried about the economy. When the economy goes down, most people’s standards of living go down with it. When it goes up, their standards of living go up. Of course, it doesn’t help that this “wonderful” government of ours seem to think they can control every single person’s standards of living�and for the majority of the population, they can. But think about this: what if no one can control your own personal standard of living?? What if you had perfect control over your future regardless of what the “feds” did or didn’t do? If the economy recedes even further, how would you survive??
Think I am too optimistic? Actually, I am the opposite. I prefer to think of myself as a realist, and because I think that way, I prefer to not let the government or the economy control my financial future. If I did, where would I be when I’m an elderly woman: living in a run down shack, trying to keep warm and fed on the pittance the government gives me?? I prefer to make a better future for myself than that, and here is how I propose to do it.

Right now, I am in my early 30’s, mother of three children and a freelance writer. We live on my husband’s salary, and whatever I make goes into a savings account. Granted, most people are not this “lucky”, but the principles I am about to show you can work for anyone! The following is something I learned not too long ago that changed the way I view money and budgeting. Something that showed me so many more possibilities! There are five principles I want to share with you, and then in the next section, I will give you an example of those principles at work.

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