投資するing

極端に low 降雨 since last year, 悪化させるd by the El Nino 現象, has compelled the パナマ Canal to 限界 daily crossings and how much 貨物 ships can carry 経由で the 大西洋-太平洋の shortcut. 同時に, many shipping companies have 停止（させる）d all 輸送 through the Suez Canal まっただ中に 脅しs of attacks by the Houthis, a 交戦的な organisation controlling much of Yemen.

There are some bravehearts - a mix of 分析家s and 基金 経営者／支配人s - who believe the UK 株式市場 should not be 扱う／治療するd like a pariah. The 専門家s 強調する／ストレス the companies they have identified are not 投資 tips, but are まず第一に／本来 cheap as 半導体素子s and so have 可能性のある. They 推定する／予想する the 株 to rise, but nothing is 保証（人）d. Here are the 専門家s' 'favourite' cheap 在庫／株s.

Many companies feel 深く，強烈に unappreciated by 投資家s - which means that their 株 could be a 取引 to buy 権利 here, 権利 now. Take the example of 爆撃する, Britain's biggest company, which has intimated that it may 逃げる London for New York. The oil 巨大（な）'s 株 may be at a 記録，記録的な／記録する high. But in the US its value would be almost certainly far greater. James Henderson, 経営者／支配人 of the 法律 Debenture 投資 信用, argues that the 欠如（する） of love for UK plc is bewildering.

EXCLUSIVE: UK 小売 投資家s are 'ますます bullish' about the prospects for UK and US markets once 近づいている 選挙 results have been decided,?研究 from Charles Schwab UK 排他的に seen by This is Money 示唆するs. In the UK, a 総選挙 is 推定する／予想するd to take place at some point this year and in the US, the 大統領の 選挙 is scheduled for 5 November. 投資家s are most bullish about the FTSE 100, with 422 per cent of those 調査するd 推定する／予想するing its value to 増加する in the next year, compared to only 16 per cent who 推定する／予想する it to 落ちる.

Savers and 投資家s will soon be able to 支払う／賃金 into as many Isas as they like - 妨げる／法廷，弁護士業 the Lifetime Isa - with as many providers as they choose, from the new 税金 year on 6 April. We look at the 利益s of 在庫／株s and 株 versus cash Isas 同様に as the Isa 支配する changes in more depth.

Someone who 投資するd their 十分な Isa allowance in a 全世界の tracker on the first day of the 税金 year for the past １０年間 would have made £360,500, compared with £322,500 if they left it to the last day. If you spread your 投資 平等に over the year using 正規の／正選手 投資s you would have £343,500, によれば numbercrunching by Hargreaves Lansdown.

Michael Summersgill says the market could also be helped by 供給するing people with support in making 投資s, rather than 焦点（を合わせる）ing on general 財政上の education. An example, he says, is if someone has money in a 基金 跡をつけるing a 株式市場 索引 such as the FTSE 100 then 壇・綱領・公約s should tell them if they can switch to a cheaper tracker. Summersgill himself 卒業生（する）d with an 経済的なs degree in 2005 and became a 訓練生 accountant. He was soon 申し込む／申し出d two 職業s, one at accountancy 巨大（な） PwC, another at a 'funny little 商売／仕事 called AJ Bell'.

I was の中で the first 世代 of Isa savers. 支援する in April 1999 when Isas were 開始する，打ち上げるd (正確に／まさに 25 years ago), 基金 投資するing was new for me and I earned very little and couldn't save much. I've not made the mistake of 選ぶing for the safety but lower returns of cash, but I have plenty of others to 自白する. In 25 years of Isa mistakes, here are a few that I've made.

Income 基金s and （株主への）配当-支払う／賃金ing 在庫／株s continue to be popular の中で 投資家s this year as they look for 安定した returns. These high 産する／生じる 投資s can help to 生成する extra cash to help in the 即座の 称する，呼ぶ／期間／用語, while 構内／化合物d 利益／興味 can その上の 上げる 伸び（る）s over the long 称する，呼ぶ／期間／用語. 専門家s give their 最高の，を越す 選ぶs for income-捜し出すing 投資家s.

We have calculated how much you would need to save every month to help your children 達成する the most important 儀式s of passage, from buying a house to planning a wedding and getting a university degree.

This 適切な時期 to be a small-time 投機・賭ける 資本主義者 by 支援 such 商売／仕事s is one of the 推論する／理由s why I have put a small 量 into Scottish Mortgage each month for more than a １０年間. But this is an adventurous choice, suitable for those happy to take a long-称する，呼ぶ／期間／用語 見解（をとる）.

Whether you are starting from scratch, have an 設立するd 戦略 in place, or are looking to 罰金 tune or reshape your 大臣の地位, we have 一連の会議、交渉／完成するd up tips for a 抱擁する variety of 主題s, styles and 適切な時期s. That 含むs thinking about how you will adjust to 穏健なing インフレーション and a likely run of 利益／興味 率 削減（する）s by central banks this year and beyond.

It's human nature to be curious about what our 隣人s are doing - and 投資家s are no exception. So if you're in need of inspiration this Isa season, here's a こそこそ動く 頂点（に達する） at where 投資家s who 持つ／拘留する Isas with Interactive 投資家, one of the country's biggest stockbrokers, have been piling their money this 税金 year. But be 警告するd, just as with copying your 隣人's answers in a 実験（する）, there's no 保証（人） they got it 権利. Some of the 最高の，を越す 投資s are still cheap and could reward 投資家s, but others may already have enjoyed a growth spurt and not have その上の to go - or could even lose value.

The UK's most 献身的な Isa 投資家s have built up マリファナs 価値（がある） over £11m, 追いつくing the UK's biggest 年金 マリファナ. The 25 biggest Isa savers in the UK have built up an 普通の／平均（する） fortune of £11.6million over a 34 -year period.

The 社債 market 衝突，墜落 in 最近の months has drawn attention to a little-known or understood 投資 戦略 that many 労働者s are 'defaulted' into in the run-up to 退職. Some older 労働者s have discovered to their horror that they are sitting on 抱擁する losses 権利 on the brink of 退職 , which they might be 軍隊d to 延期する as a result. Here's what you need to know about 年金 lifestyling...

全世界の 政府 社債 markets are 広大な and 影響する／感情 everyone who 支払う／賃金s 税金, saves or 投資するs. But it's often hard to tell what's going on when there's a 殺到する in 社債 buying or a sell-off because the jargon used by 産業 insiders can be pretty impenetrable. We unscramble it here to help everyone else fathom what's going on.

資本／首都 伸び（る）s 税金 is 徴収するd on 資産s 範囲ing from 株 to second homes, buy-to-lets and personal 所有／入手s. Your main home that you live in, known as your 主要な／長／主犯 私的な 住居, is 免除された from CGT. That, 加える an 年次の 税金-解放する／自由な allowance of £12,300, has meant CGT is typically 徴収するd on wealthier taxpayers. However, 過激な 未来 削減（する）s to the CGT allowance 発表するd in （ドイツなどの）首相／（大学の）学長 Jeremy 追跡（する）'s cash grabbing Autumn 声明 make it 必然的な that many more people will have to 支払う／賃金 it in 未来.

Homeowners with a mortgage 直面する an 現在進行中の 財政上の 窮地 - use any 超過 cash to 支払う／賃金 負かす／撃墜する the 負債 or 投資する instead? It's a simple question, but the answer really depends on personal circumstances - and, very importantly, whether you are a 危険 taker or more 危険 averse, says 略奪する Morgan of Charles Stanley.

総理大臣 Rishi Sunak recently 発表するd his 意向 for school pupils to learn maths to age 18. So what would a real-world curriculum most useful to understanding personal 財政／金融 look like? Becky O'Connor of PensionBee explains 構内／化合物 growth, 続けざまに猛撃する-cost 普通の／平均（する）ing, インフレーション and 百分率s, in a way anyone can しっかり掴む and 適用する to their own 財政／金融s.

Tom Stevenson, 投資 director at Fidelity International, explains what you can learn from a balance sheet using drinks 巨大（な） Britvic as his 実験（する） 事例／患者. Making sense of a balance sheet is important when you're deciding whether or not to buy 株, because you want to be sure a company you're 投資するing in is financially sound.

We put this question to three 最高の，を越す 投資するing 専門家s and their answers were six, 12, and a few dozen... However, they did all 追加する essentially the same rider, 'it depends'. What it depends on is the level of diversification you manage to 達成する with the 株 you own, the 量 of 有罪の判決 you have in them, and whether you have the time and dedication to stay on 最高の，を越す of your 大臣の地位. Our 専門家s 申し込む／申し出 plenty of practical advice on making a success of all the above, which should come in useful however many 株 you 持つ／拘留する.

投資 基金 指名するs are often a baffling mixture of impressive but vague words, which mean little to people who aren't already 手がかり（を与える）d up on 財政上の jargon. People hoping to 上げる their 貯金 by buying a 基金 or 信用 直面する a 法外な learning curve, unless they're lucky enough to have a friend in the know or are willing to fork out 料金s to a 財政上の 助言者. We 申し込む／申し出 a short 削減（する）, and explain what all the fancy 条件 really mean.