Money & Markets
Personal finance and investing in plain English

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…

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…

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.

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…

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…

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…

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…

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…

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,…

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…