Empowering Aspiring Stock Market Investors

Completely Free Resource

Everything you need to know to start investing in shares

Saving vs Stock Investing

£100 per month into a savings account for 10 years
£12,302 (+2.5% Gain)

£100 per month into the stock market for 10 years
£17,793 (+48% Gain)

Investing

The stock market offers unrivalled investment opportunities. Unlike property, it’s totally liquid and totally flexible, so you can change or exit your investments instantly. Unlike traditional savings accounts and the cash ISA, you can earn significant gains.

There is an extremely wide choice of companies to choose from and these can easily be diversified to minimise risk. Finding the best companies to invest in, is relatively straight forward, using free stock screening tools.

Your money can grow in two ways. The value of the shares can increase, giving you a capital gain and most companies also pay out a share of the profits in the form of dividends, giving you a regular income.

It’s very easy to open a share trading account and if you open a Stocks & Shares ISA, all of your profits will be totally tax-free.

Why Buy Shares

What Shares To Buy

Where To Buy Shares

Beginners Guide to Shares

Everything you need to know to start investing in shares.

  • Contains all the info you need to select and buy your first shares.
  • Explains how to build and manage an entire share portfolio.
  • Includes my share screening criteria and simple shares checklist.
  • Very specific, giving actual figures to look for when choosing shares.
  • Links to the best shares related websites.
  • Written concisely with no padding or case studies.
  • Takes less than 2 hours to read.
  • It’s completely free of charge to download.

Resources

Useful Websites

Useful Websites

ADVFN https://uk.advfn.com starstarstarstarstar
Excellent customisable stock screener, price & news alerts by e-mail, customisable highlighting on company reports. Great free resources and a multitude of paid services available including live pricing and Level 2.
FilterX Screener https://uk.advfn.com/p.php?pid=filterx
Highlight Phrases https://uk.advfn.com/p.php?pid=nphrases

DeGiro https://www.degiro.co.uk starstarstarstar
Stockbroker with low transaction fees, making it suitable for small transactions as well as large, mobile App.

Digital Look https://www.digitallook.com starstarstar
Detailed company information & news.

Hargreaves Lansdown https://www.hl.co.uk starstarstarstarstar
Stockbroker, detailed company information, excellent mobile app.

Investing.com https://uk.investing.com starstarstarstar
Economic calendar & various other information.

Investors Chronicle https://www.investorschronicle.co.uk starstarstarstar
Stock screening tool & various other information.

Shares Magazine https://www.sharesmagazine.co.uk starstarstarstar
Detailed company information presented very well. They also produce a weekly e-magazine you can subscribe to at a cost, which is very informative and easy to read.

Stockflare https://stockflare.com starstarstarstar
Detailed company information, star ratings, great mobile app.

SwingTradeBot https://lse.swingtradebot.com starstarstarstar
Highly detailed and well presented technical analysis of stocks. Extremely useful for getting a technical overview if you’re a solely fundamental analyst like me.

Stockomendation https://www.stockomendation.com starstarstarstar
Share tips from expert tipsters.

Stockopedia http://www.stockopedia.com starstarstarstarstar
By far the best information resource available. Ranks, screens, tools, ratings, tips.
£50 discount after the free trial, by using my custom link above.

Upcoming Dividends http://www.upcomingdividends.co.uk starstarstarstar
Ex-dividend dates for all London Stock Exchange companies.

Vox Markets https://www.voxmarkets.co.uk starstarstarstar
Detailed company information, news, fantastic mobile app.

Portfolio

SIPP Shares

GLE MJ Gleeson
IGG IG Group Holdings
MKLW A & J Mucklow
MNDI Mondi
PSN Persimmon
RIO Rio Tinto
SAGA Saga
SGRO Segro
WIZZ Wizz Air Holdings

SIPP Funds

EMIM iShares MSCI Emerging Markets ETF
SWDA
 iShares Core MSCI World ETF
GB00BLG2W994 Newton Global Income Fund
IE00BJSPMJ28 Lindsell Train Global Equity Fund
VGOV Vanguard UK Gilt ETF
GB00BD3GHQ03 Royal London Corporate Bond
GB00BHZ7N839 Morgan Stanley Corporate Bond
IE00BJBQC361 Royal London Extra Yield Bond

SIPP Investment Strategy

35% Shares
40% Global Tracker
5% Global Active Funds
15% Bonds
5% Cash
Long-term investments

ISA Shares

AHT Ashtead Group
CEY
Centamin
CMCX CMC Markets
DLG Direct Line Insurance
HAT H&T Group
HSS HSS Hire Group
HWDN Howden Joinery
PAF Pan Africa Resources
PSN Persimmon
SRE Sirius Real Estate

ISA Funds

EMIM iShares MSCI Emerging Markets ETF
SWDA
 iShares Core MSCI World ETF
IE00BJSPMJ28 Lindsell Train Global Equity Fund
GB00BLG2W994 Newton Global Income Fund
GB00BD3GHQ03 Royal London Corporate Bond
GB00BHZ7N839 Morgan Stanley Corporate Bond
IE00BJBQC361 Royal London Extra Yield Bond

ISA Investment Strategy

45% Shares
30% Global Tracker
5% Global Active Funds
10% Bonds
10% Cash
Medium to long-term investments

Trading Accounts Shares

None at present

Trading Accounts Strategy

100% Shares
Short-term speculative trades

Watchlist

BOWL Hollywood Bowl
JLG
John Laing Group
QQ.
QinetiQ Group
RGL Regional REIT
SAFE Safestore Holdings

You can see all of my bought & sold transactions with profits/losses on my blog posts.
Shares Bought & Sold – Funds Bought & Sold

Frequently Asked Questions

What is investing?

Put simply, investing is putting your money in a place where it will hopefully achieve a profit. Don’t be fooled into thinking that investing is the preserve of the wealthy, putting a pound into an instant savings account is investing. No matter how much or how little money you have, investing can increase it.
See my blog post.

What are the 3 most important things you look for in a company?

1) It must be making a profit, I never buy shares in a company that is making a loss.

2) It must not have excessive borrowing/debt, ideally less than 3 times profit.

3) It must be good value, not overpriced, ideally less than 15 times profit.

Is there any way to buy and sell shares with only a small amount of money?

Usually, the fees prevent it being sensible to buy less than about £1500 at a time. There is, however, a new broker in the market called DeGiro. They only charge a fee of £1.75 + 0.004%. Theoretically, this means it could be viable to buy just a few hundred pounds worth. I have opened an account to try it out so that I can recommend it or not once I’ve fully explored it. Unfortunately, DeGiro does not offer an ISA yet but I’m sure they will eventually. There are also brokers that provide Regular Equity Savings. Basically, you set up a direct debit which can be as low as £25 a month and buy shares each month in your chosen company with much lower fees.

What do you think of robo-investing services like Moneyfarm?

It probably isn’t for me personally, because I prefer to make my own selections but I understand that not everyone does. I opened a small (£1000) Moneyfarm account in March 2016, to see how it performed so that I could recommend it or not, to those people that don’t want to research and choose their own shares. I expected it to generate a better return than a savings account and it greatly exceeded my expectations. I have to take into account the extraordinary event of the EU referendum after 3 months, though. I have posted a detailed 12 month report in posts.

Why do you have shares in your portfolio and watchlist that don’t match the criteria in your book?

A combination of opportunism, experimentation, diversification and mistakes!

Do you plan on writing any more books?

Okay, no one asked me this really but I am working on another book. I want to clearly explain and illustrate how anyone can become wealthy over a long period of time if they invest. It’s focused around the miracle that is compounding which can really make your money grow over time. I might even produce it as a small e-booklet instead and give it away, watch this space!

Blog Posts

Sean Towers Bio

sean-towers

Sean Towers is the General Manager of Kudox, one of the largest central heating radiator suppliers in the UK. He is also a 50/50 partner in Heating Bargains, an online retailer of radiators. Sean has worked in the plumbing and heating industry for 32 years.

An active stock market investor in his spare time and the author of Beginners Guide to Shares. A concise but comprehensive guide covering everything you need to know to start investing in shares.

A relatively unremarkable person yet a passionate philanthropist. Trustee, Honorary Chairman and hands-on volunteer at Giving Back Crawley, helping homeless people in the Crawley West Sussex.

Philanthropy

The Oxford Dictionary defines philanthropy as ‘The desire to promote the welfare of others, expressed especially by the generous donation of money to good causes’.

Whilst I don’t disagree, my definition is a little simpler ‘Being lucky enough to have the opportunity to help someone else and acting upon it’.

I work hard for my money and once earned, I work equally hard investing my money. There aren’t many hours in the day that I’m not trying to make money. However, the most important thing I’ve learnt about money is that there’s no better way to spend it than helping someone else. I’m not rich by any measure but I have enough and if everyone who had enough, gave a little to those that don’t, everyone would have enough.

Giving Back Crawley

I am a Trustee and Honorary Chairman of this small local charity. We operate at the sharp end of the poverty problem, often dealing with people who possess nothing more than the clothes they are wearing.

Our primary focus is street homeless/rough sleepers, closely followed by statutory homeless, non-statutory homeless and hidden homeless. We serve our guests a free hot meal four times a week and give them some of the essential items they need to get by. The service has grown to include clothing, bedding and wellbeing items and we regularly have paramedics attending to do health checks. Another incredibly important aspect is bringing them together, taking the time to talk to them and reducing the social isolation they endure.

Lendwithcare is a revolutionary way to help some of the world’s poorest people work their way out of poverty with dignity. Lendwithcare allows you to lend as little as £15 to fund a small business and once your money is repaid you can choose to recycle your loan to support another poor entrepreneur or withdraw your money.

I’ve been lending for several years now, for two main reasons.

1) I’m helping people to help themselves. Giving them a chance to grow their own business.

2) Because it’s lending not giving, I’m able to inject significantly more cash than I could afford to give to a charity.

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