CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Educational Articles

Knowledge Base

Reading time • 6 minute(s)
Investment Plans vs Building Your Own Portfolio: What's the Difference?
Investment Plans vs Building Your Own Portfolio: What's the Difference? Investment Plans and self-built portfolios both give you access to the same underlying markets — stocks, ETFs, and funds — but they work in fundamentally different ways. An Investment Plan automates the allocation, rebalancing alerts, and contribution process within a structured framework. Building your own portfolio means making every decision yourself — what to buy, how much to hold, and when to adjust. The right choice depends on how much time, knowledge, and involvement you want in managing your investments.
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Reading time • 5 minute(s)
Build Your Own Investment Plan with Stocks and ETFs
Investment Plans now let you go beyond a ready-made mix and build your own, choosing individual stocks and ETFs and setting the exact percentage you want to hold in each. If you already invest in individual stocks or ETFs but want a clearer, more structured way to manage them, a self-build Investment Plan gives you that framework without giving up control.
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Reading time • 5 minute(s)
How Much Do I Need to Retire - and How to Get There
Most investors need an annual retirement income of around £40,000 to £100,000 to maintain their current standard of living. A common target is accumulating 25 times your annual expenses, which aligns with the classic 4% withdrawal rule. However, your personalized number depends heavily on your lifestyle, health factors, and the exact age you choose to stop working. Use the principles below and our retirement calculator to find your target and build your strategy.
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Reading time • 7 minute(s)
What Is an Investment Plan? A Beginner's Guide
Most people know they should be investing, but fewer know where to actually start. What do you buy? How much? How often? And what do you do once you've bought something? An investment plan is the answer to those questions. Not a product, not a platform, not a specific fund, but a framework that ties together your goals, your timeline, and your approach to risk, so that your money is working in a direction that makes sense for you. This guide explains what an investment plan is, what it should include, and how to start building one even if you're new to investing entirely.
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Reading time • 3 minute(s)
Alpha vs Beta Investing
Alpha and beta are fundamental concepts in investment analysis, particularly in the context of modern portfolio theory and asset pricing models. These two measures, often hailed as the yin and yang of investment analysis, provide crucial insights into how an investment strategy performs relative to the broader market. Alpha, the first among equals, represents the excess return an investment generates compared to a benchmark, typically a market index like the S&P 500. Often hailed as the holy grail for investors, alpha reflects the skill of the investment manager or strategy in outperforming the market after accounting for inherent risk. On the other hand, beta, the unsung hero, reflects the sensitivity of an investment's returns to movements in the market benchmark. Acting as a yardstick of systemic risk, beta quantifies the volatility of an asset relative to the market, offering investors a vital gauge of portfolio diversification and exposure to market fluctuations.
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Reading time • 5 minute(s)
The best ETFs to look out for in your Investment Plan
Embarking on the journey of wealth accumulation requires careful navigation through the myriad of investment options available in today's financial markets. Among the diverse array of investment vehicles, Exchange-Traded Funds (ETFs) stand out as a popular and efficient way to construct a well-diversified portfolio designed to grow wealth over time. In this article, we embark on a quest to identify the best ETFs to look out for in your investment plan. Drawing upon rigorous analysis, market insights, and performance metrics, we unveil a selection of ETFs that exhibit the potential to drive long-term wealth creation and asset appreciation.
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Reading time • 5 minute(s)
Is Investing Small Amounts Worth It? A Comprehensive Analysis
The idea that investing requires substantial capital is outdated. Technological advances and the rise of accessible investment platforms have made it possible for UK investors to start building wealth with as little as £15. But is investing small amounts actually worth it or do the returns not justify the effort? The honest answer is yes — with the right approach, consistent small investments can grow into significant wealth over time. Here is what you need to know.
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Reading time • 4 minute(s)
Active Investing vs Passive Investing
Passive investing and active investing are two distinct approaches to managing investment portfolios, and they differ in terms of strategy, philosophy, and level of involvement. So let's look into the key differences between passive and active investing.
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Reading time • 5 minute(s)
Investment Plans - FAQs
How do our Investing Plans work? How can you create an Investment Plan? Our FAQs on Investment Plans offer in-depth answers to common questions, ensuring that you have all the information you need to navigate your investment journey confidently.
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