Money & Markets
Personal finance and investing in plain English
Fund charges: the quiet cost that follows you for years
Fund charges can quietly reduce long-term returns. Learn how ongoing fees, platform costs and trading charges follow investors for years.
Market colour: useful context or dangerous gossip?
Market colour can help explain price moves, but it can also become gossip. Learn how to test context before it…
Accumulation and income units in tracker funds: what beginners miss
Accumulation and income units decide whether fund income is paid out or reinvested, which changes cash flow, records and tax…
Convertible loan notes: the small print that can become dilution
Convertible loan notes can fund small-caps, but the small print decides whether shareholders face future dilution, debt pressure or both.
Recommendation bias: why the City rarely says sell
Recommendation bias explains why City sell notes are rare, and how private investors can read analyst research without treating ratings…
Delisting: what happens when a company leaves the stock market
Delisting can change how easily shares can be sold. This guide explains the main routes and what UK investors should…
Discounted placings: why a cheap fundraise can cost shareholders
Discounted placings can fund a company while diluting existing holders. This guide explains the price, timing and shareholder checks.
Earnings revisions: the quiet signal investors often miss
Earnings revisions can move shares before the headline feels obvious. This guide explains what changed, who changed it and what…
The Bit Everyone Skips Podcast
Welcome to The Bit Everyone Skips, the investing podcast from Cristoniq. Most investing coverage starts halfway through the story. It…
Cash runway: the small-cap number that matters before the story
Cash runway tells small-cap investors how long a company can fund itself before fresh money may be needed. Here is…