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Cristoniq.

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Money & Markets

Personal finance and investing in plain English

Inside The Press Uk illustration for Cristoniq
Street Smart

Inside the press release: how a 20% profit fall becomes ‘resilient results in a year of extraordinary volatility’

Every results announcement tells two stories. One is in the numbers. The other is in everything around them. Here is…

MAY 19, 2026
What The Fca Registe illustration for Cristoniq
Investing Basics

What the FCA register is and why you should check it before you invest a penny

The FCA register lists every authorised UK investment firm. Here's why checking it before you invest a penny could protect…

MAY 19, 2026
Why some small-caps lose both their retail and institutional investors at once, and what that tells you about management
Small Caps

Why some small-caps lose both their retail and institutional investors at once, and what that tells you about management

How small-cap companies lose retail and institutional investors through poor communication, and what register composition reveals about management quality.

MAY 18, 2026
The DOJ table, then and now: what 25 years of insider dealing prosecutions actually show
Street Smart

The DOJ table, then and now: what 25 years of insider dealing prosecutions actually show

The FCA's own conviction data tells the same story Ian Lyall told with DOJ figures in 2010: insider dealing is…

MAY 18, 2026
Capital Gains Tax on shares: what UK investors actually owe and when
Investing Basics

Capital Gains Tax on shares: what UK investors actually owe and when

Capital gains tax on shares for UK investors: the £3,000 annual exempt amount, 18% and 24% rates, ISA exemption, and…

MAY 18, 2026
Trading screen showing share price chart, illustrating institutional investors in small-caps activity
Small Caps

Tracking institutional investors in small-caps: how to read what their moves are telling you

How to use UK TR-1 filings and DTR 5 disclosures to track institutional investors in small-caps and read what the…

MAY 17, 2026
RBS Gogarburn headquarters illustrating why takeovers fail and the ABN Amro deal
Street Smart

Vanity, egotism and fear: the three forces that get RBS-shaped deals approved

Most big takeovers destroy value for the buyer's shareholders. Vanity, empire-building and fear explain why. RBS and ABN Amro is…

MAY 17, 2026
UK gilts explained for private investors: government bonds and yields
Investing Basics

Gilts: the government IOU that pension funds love and most private investors ignore

A plain-English guide to UK gilts for private investors: what they are, why prices move, and how to buy them…

MAY 17, 2026
UK small-cap research: an empty analyst desk with closed broker research folders and a flickering AIM ticker
Small Caps

How a European rule quietly made small-cap investing harder: what the research gap still means for you

How MiFID II's research unbundling rule emptied small-cap analyst coverage in the UK, why the FCA and EU reversed it,…

MAY 16, 2026
Share ramping: a stock chart spiking with coordinated forum posts and social media chatter overlaid
Street Smart

From ADVFN to Reddit: the coordinated share ramp has just changed channels

The City Slickers case showed how share ramping worked in 2010. The mechanic has not changed, but the channels now…

MAY 16, 2026