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How I’m planning to make £1m by investing £450 a month in UK shares

first_img I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Harshil Patel | Monday, 26th October, 2020 Our 6 ‘Best Buys Now’ Shares A £1m pot should be more than enough to fund a generous retirement income for most. The 4% rule suggests that I should be able to withdraw around £40,000 per year while maintaining the balance of my account.Amazingly, building a £1m retirement pot could be achievable with just a small regular investment, over a long period. The miracle of compound returns helps significantly in reaching this goal. Compound returns create a snowball effect where I’d get a return on my return in addition to my original capital.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Say I invest £5,000 in UK shares and it grows by 10% over the first year. By the end of that year, I’d have £5,500. Let’s say in the second year, the investment grows by 10% again. My total investment at the end of the second year would have grown to £6,050. Without compound returns, I would have just £6,000.That might not look like a big difference, but over many years it can sure add up. Using the same example, with compounding returns, over 30 years a single £5,000 investment at a 10% return per year would return over £87,000. Without compounding returns, I calculate that I’d have only £20,000.The retirement planTo create a £1m retirement pot for when I plan to retire in 30 years, I calculate that I’d need to invest just £450 a month in a selection of quality UK shares. That’s just £5,400 per year.The average long-term stock market return is said to be around 7%-10% per year. But by researching further and investing in cheap, high-quality UK shares, I try to achieve a return of at least 10%. My £1m retirement plan requires just £450 per month because it will be invested for a long period. Patience will be required to stick to the plan.Small tweaks can make significant differences in the long run. For example, if I increased my monthly investment from £450 to £750, I should reach £1m in 25 years instead of 30. The same result could be reached by investing £450 per month at a 13% return instead of 10%.So, over the coming years, I’d be trying to do both – increasing my monthly investment savings and attempting to increase my annual gains from quality UK shares.UK shares in a stock market crashIn addition to a fixed monthly investment, occasionally I might add a lump sum. Often, immediately after a stock market crash can be a good opportunity to add to long term investments. In a market panic, I should be able to buy UK shares at a discount. I find that the bigger the stock market crash, the bigger the opportunity.In recent years, the largest stock market crash was that of the financial crisis in 2008/09. The decade following that crisis saw some magnificent gains in UK shares and with hindsight, it was a good time to add to long-term investments.  It can be difficult investing in a stock market crash. Stock prices are falling, news flow is negative, and investor sentiment is weak. Investing when nobody else is can be a challenge. Investing legend Warren Buffett once said that investors should be “fearful when others are greedy, and greedy when others are fearful”. Perhaps we should all take that piece of wise advice. Harshil Patel has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Image source: Getty Images Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this.center_img How I’m planning to make £1m by investing £450 a month in UK shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. “This Stock Could Be Like Buying Amazon in 1997” Enter Your Email Address See all posts by Harshil Patel I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement.last_img read more

DEC Indian earthquake banner ad tops new ad campaigns

DEC Indian earthquake banner ad tops new ad campaigns  15 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The banner ad for the Indian earthquake appeal by the Disasters Emergency Committee is ranked number one in the new online advert campaigns in order of estimated spend.The banner ad for the Indian earthquake appeal by the Disasters Emergency Committee is ranked number one in the new online advert campaigns in order of estimated spend.The Disasters Emergency Committee have succeeded in ensuring their banner advert for the Indian earthquake appeal has been distributed and adopted widely. This advert tops the chart for new online ad campaigns in order of estimated spend. Advertisement Given that most, if not all, of the advertising will have been donated, this means that the DEC will have secured more advertising than had been purchased by Orange, Henderson Investors, Chase Fleming Asset Management, France Telecom and a range of other major companies.The list is produced by Forrester Research’s Internet Adwatch SIZE=”1″>TM. Howard Lake | 22 February 2001 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. read more

Movember wins second annual Manifesto charity quiz

first_img Tagged with: competition Events A three-way tie for second place between Unicef UK, Great Ormond Street Hospital Charity and British Heart Foundation saw a tense game of rock, paper, scissors with Unicef UK triumphing to take away the £400 prize.Jim Bowes, CEO of Manifesto said:“We work so closely with so many fantastic charities, this gives everyone the perfect opportunity to let their hair down and have some fun – all whilst competing for money for their charity.”  69 total views,  1 views today Manifesto’s second annual charity quiz saw Movember beat 15 other charities to win a £1,000 donation last month.The Annual Big Charity Digital Pub Quiz took place in July, with a top prize of a £1,000 donation, and a second prize of a £400 donation. Competing charities included; Cancer Research UK, Movember, Create, Great Ormond Street Hospital Charity, National Trust, Cafédirect Producers Foundation, Christian Aid, Unicef UK, Street Child United, Diabetes UK, HemiHelp, Amnesty International, Comic Relief, Prostate Cancer UK and British Heart Foundation.The night’s questions were split into four rounds: general knowledge, food, music and film.  70 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis3 Melanie May | 3 August 2016 | Newscenter_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis3 About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. Movember wins second annual Manifesto charity quizlast_img read more

SEIU 32BJ members #BuildingJustice

first_imgSept. 26 march, PhiladelphiaThousands of Service Employees union (SEIU) 32BJ members held a spirited march and rally through Center City Philadelphia for #BuildingJustice on Sept. 26. Three thousand workers, who clean 120 office buildings across the city, are threatening to strike on Oct. 15 unless the wealthy owners of buildings, such as Comcast, PECO Energy Co. and the chemical manufacturing company FMC Corp., come to an agreement on a new contract.“Philadelphia shouldn’t just be a city for the rich,” said Alisa Johnson, a cleaner and SEIU 32BJ member, at the rally. “We live and work here too. We are a part of this town too and we deserve living wages, benefits and respect. All we are asking for is for us to be able to take care of our families.” Despite the largest commercial real estate boom Philadelphia has seen in decades, employers have proposed dramatic cuts to the cleaners’ benefits. Recognizing that most of those jobs are held by African Americans and migrants, SEIU 32BJ President Kyle Bragg said, “We are going to put a dent in Philadelphia’s high poverty rate by making sure that cleaning and building service jobs can truly become middle-class jobs.”FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Does Homebuyer Education Lead to Housing Stability?

first_img Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Does Homebuyer Education Lead to Housing Stability? First-Time Homebuyers Homebuyer Education Housing Counseling HUD 2016-07-01 Brian Honea in Daily Dose, Featured, Government, News Efforts to educate new homebuyers are paying off, according to HUD. This week, HUD published early findings from a large-scale study into the benefits of counseling buyers, The First-Time Homebuyer Education and Counseling Demonstration and found that distance and telephone counseling programs in mortgage literacy and preparedness, homebuyer outcomes, and loan performance are indeed helping borrowers make better choices to achieve housing and financial stability.Between September 2013 and January of this year, HUD studied more than 5,800 prospective first-time homebuyers across 28 metro areas, as well as three large national lenders, 63 HUD-approved housing counseling agencies, and two remote service providers. According to the study, 65 percent of early participants (2,377 people) who were offered remote homebuyer education and counseling initiated services, versus just 25 percent of those who were offered in-person education and counseling.HUD cited improved mortgage literacy, greater appreciation for communication with lenders, and improved underwriting qualifications among the positives. There was, however, no evidence of improved budgeting practices, i.e., buyers comparing a budget with their actual spending.“The early findings of this study underscore the need to continue supporting housing education and counseling programs, and the particular importance of making remote education and telephone counseling easily accessible to prospective homebuyers” said Katherine O’Regan, HUD’s assistant secretary for policy development and research.  “Over the next four years, we expect to produce long-sought answers about the impact of homebuyer education and counseling on mortgage literacy and preparedness, homebuyer outcomes and loan performance.”Education, HUD concluded, could be the main factor in moving prospects into actual buyers. In June, the Harvard Joint Center for Housing Studies issued its annual State of the Nation’s Housing report showing a continued decade-long downward trend in homeownership rates, while also noting that the vast majority of Americans indicate a preference for homeownership and that homeownership remains a key component of wealth building potential.“Understanding the extent that education and counseling can facilitate homebuyer success at gaining and keeping a mortgage is critical to mapping the future homeownership strategy for America,” HUD stated. Servicers Navigate the Post-Pandemic World 2 days ago About Author: Scott Morgan The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Scott Morgan is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He’s been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. Subscribe  Print This Post Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago July 1, 2016 1,525 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: First-Time Homebuyers Homebuyer Education Housing Counseling HUD Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Risk of Default is Rising for New Mortgages Next: Counsel’s Corner: When Borrowers’ Rights and CFPB Collide The Best Markets For Residential Property Investors 2 days ago Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Home / Daily Dose / Does Homebuyer Education Lead to Housing Stability?last_img read more

Breaking: 16 Prominent Civil Society Members Move SC Seeking Intervention in Prashant Bhushan Contempt Case, Seek Dismissal [Read Application]

first_imgTop StoriesBreaking: 16 Prominent Civil Society Members Move SC Seeking Intervention in Prashant Bhushan Contempt Case, Seek Dismissal [Read Application] LIVELAW NEWS NETWORK4 Aug 2020 2:37 AMShare This – x16 prominent civil society members from varying fields of work have filed an intervention application in the suo motu contempt proceedings pending against Prashant Bhushan before the Supreme Court. The applicants, through Advocate Prasanna S., have stated that expressing opinion about functioning of the constitutional judiciary or any other public institution is a…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?Login16 prominent civil society members from varying fields of work have filed an intervention application in the suo motu contempt proceedings pending against Prashant Bhushan before the Supreme Court. The applicants, through Advocate Prasanna S., have stated that expressing opinion about functioning of the constitutional judiciary or any other public institution is a constitutionally guaranteed right. Thus, initiation of contempt proceedings against Bhushan for his tweets criticizing the Judiciary has a ‘chilling effect’ on the right to exercise freedom of speech and violates the rights enshrined in Article 19(1)(a) of the Constitution. They have urged the Top Court to allow debate and discussion regarding its functioning without those expressing their honest opinion fearing “retribution” of criminal contempt. “The initiation of contempt proceedings against the expression of legitimate concerns in the Alleged Contemnor’s tweets, will have a chilling effect on honest critical expression, not just by him but by all members of the general public who have an interest in the country’s democracy and the Rule of Law,” the application states. It is pointed out that most functioning democracies such as the USA and the UK have circumscribed the concept of criminal contempt and even the Indian Courts should interpret the provision, Section 2(c) of the Contempt of Courts Act, keeping with the ‘march of the law’. The Applicants include activists Aruna Roy, Anjali Bhardwaj, Nikhil Dey, Dr.Syeda Saiyidain Hameed and Paul Divakar; former civil servants, Deb Mukharji and Wajahat Habibullah; Professors at JNU, Jayati Ghosh and Prabhat Patnaik; ex-Secretary in Ministry of Power and Finance, EAS Sarma; journalist P. Sainat; classical musician TM Krishna; etc. Last week, a bench headed by Justice Arun Mishra issued notice to Advocate Prashant Bhushan, asking him to show cause as to why contempt of court proceedings should not be initiated against him over his tweets on judiciary. On Monday, Bhushan responded to the notice stating that bonafide criticism of the manner and the functioning of the Supreme Court, ‘however outspoken, undesirable and unpalatable’ it is, cannot constitute contempt of court. ‘Raising Concerns About The Manner In Which 4 CJIs Have Used Or Failed to Use Their Powers Doesn’t Amount To Contempt’ : Bhushan’s Reply In SC Earlier, former judges, former senior government officials, ambassadors, activists and academics had also expressed solidarity with Bhushan and they said that initiation of criminal contempt proceedings against him, over his tweets on judiciary amounts to “stifling criticism”. ‘Initiation Of Contempt Appears To Be An Attempt At Stifling Criticism’: Former Judges/ Govt Officials/ Activists Express Solidarity With Prashant Bhushan “In the past few years, serious questions have been raised about the reluctance of the Supreme Court to play its constitutionally mandated role as a check on governmental excesses and violations of fundamental rights of people by the state… The initiation of contempt proceedings against Mr. Bhushan who had articulated some of these concerns in his tweets, appears to be an attempt at stifling such criticism, not just by Prashant Bhushan but by all stakeholders in the Indian democratic and constitutional setup. We believe the institution must address these genuine concerns,” the statement read. Click Here To Download Application Read ApplicationSubscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

VBS FUN

first_imgLatest Stories Remember America’s heroes on Memorial Day VBS FUN Print Article Book Nook to reopen Troy falls to No. 13 Clemson Sponsored Content By Jaine Treadwell Eighty-five young surfers are “catching the wave of God’s love” at First United Methodist Church of Troy this week during the church’s annual Vacation Bible School. With Surf Shack as the theme of Bible school, the surfers, ages three through 12, are participating in a variety of surf related activities that teach them about creating, helping and loving in today’s world and the calmness that comes as they experience God’s love, said Amanda Ford, FUMC Bible School director. The activities for this year’s Vacation Bible School include, music, games and recreation, crafts, science, Bible study and missions. “As a part of our mission program we learning why our Hands and Feet Project is so important and how, through it, we are helping the orphaned children of Haiti,” Ford said. “We have set a goal of $700 in donations to help these children and, if we reach our goal, we will be entertained with a chicken dance at our closing celebration at 11:30 a.m. Friday. All family members and friends of the young surfers are invited to attend the program. Published 3:00 am Thursday, July 14, 2016 You Might Like POKEMON GO: What you need to know about the latest craze Pike County is getting in on the Pokemon Go craze. Pokemon Go has swept the nation since its U.S. release… read more By The Penny Hoarder Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthRemember Them? I’m Sure Their New Net Worth Will Leave You SpeechlessbradofoThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel Email the author Pike County Sheriff’s Office offering community child ID kits The Penny Hoarder Issues “Urgent” Alert: 6 Companies… Plans underway for historic Pike County celebrationlast_img read more

Puerto Rico schools closing ahead of Tropical Storm Karen

first_imgABC News(NEW YORK) — Schools in Puerto Rico will be closed Tuesday as residents gear up for impacts from Tropical Storm Karen, the governor said.A tropical storm warning is in effect for Puerto Rico and the U.S. Virgin Islands, where Karen could bring heavy rain and possibly flash flooding. Some areas could see up to 6 inches of rain.Winds are not considered a major danger and the storm isn’t forecast to strengthen to a hurricane.Karen, which already hit Barataria, Trinidad and Tobago, will move near or over Puerto Rico on Tuesday afternoon.After slamming Puerto Rico, most models show Karen slowing down and some models forecast the storm moving west towards the Bahamas. But other models show Karen moving east, away from the U.S. and the Bahamas — it’s too soon to tell where it’ll go.In Puerto Rico, where residents are still recovering from the devastation of Hurricane Maria two years ago, Gov. Wanda Vazquez tweeted Sunday that government agencies are communicating and preparing ahead of the storm.“I urge citizens to be calm but vigilant and update their family’s plan,” Vazquez said.Tropical Storm Jerry is also churning in the Atlantic and isn’t forecast to strengthen to a hurricane. It should move just north of Bermuda, where a tropical storm watch has been issued.The biggest threat for Bermuda will be some gusty winds of up to 50 to 60 mph and up to 3 inches of rain.Copyright © 2019, ABC Radio. All rights reserved.last_img read more

Workers abroad may force issue

first_img Previous Article Next Article Related posts:No related photos. Workers abroad may force issueOn 30 May 2001 in Personnel Today Comments are closed. UKemployers should be more responsible in the way they consult their workforceabout redundancies if they want to stave off tough European legislation,according to Trade and Industry minister Alan Johnson. Speaking exclusively to Personnel Today, Johnson said pressure has built upto adopt the EU directive on information and consultation because UK workers intrans-national companies can see that colleagues in other parts of Europe areconsulted more fully. Johnson said, “If UK employers believe in a voluntary approach, somecompanies can do a bit better in the way they inform and consult theirworkers.” He said that the UK would continue to oppose the directive and stressed thatthe Government’s review of domestic consultation legislation is still inprogress. last_img read more

Tiger Woods’ strong third round keeps him in contention at British Open

first_imgJuly 21, 2018 /Sports News – National Tiger Woods’ strong third round keeps him in contention at British Open Beau Lund Written bycenter_img FacebookTwitterLinkedInEmailPhoto by Phil Ellsworth / ESPN Images(CARNOUSTIE, Scotland) — A five-under-par third round at The British Open has Tiger Woods in contention at a major for the first time in years.Woods shot a 66 on Saturday, and briefly saw his name sit atop the leaderboard following six birdies in his first 14 holes. He shot his only bogey of the day on 16, falling behind Kevin Kisner at that point.He hadn’t played in an Open Championship since 2015, and hadn’t led at any point in a major tournament since 2012. Still, after four back surgeries in the last two years, Woods showed glimpses of his old self. Woods sat in a tie for sixth place as the round came to a close, just four shots off the lead. Speaking to reporters Saturday, Woods said he’s happy with how he’s playing.“I’ve shown that I’ve been there close enough with a chance to win this year,” Woods said. “Given what happened [the] last few years, I didn’t know if that would ever happen again, but here I am with a chance coming Sunday in a major championship.”“It’s going to be fun,” Woods added. Copyright © 2018, ABC Radio. All rights reserved.last_img read more