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M&A Fee Guide

ABC Staff
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M&A Fee Guide

It is always difficult to find out how firms all around you approach the issue of investment and banking fees. However, plenty of these answers seem to be present in the second edition of the now annual information guide offered by Firmex and Divestopedia . This M&A fee guide is a comprehensive outlook at the market, compiling data from 471 advisers, bankers, and enthusiasts of the market. The aim of the report is to take a sweeping look at the market and offer reliable information about M&A fees , elaborating on what is being charged across the board and zeroing in on why there are a variations in key areas.

The report delves into the intricacies of M&A, dissecting the fees across towns and cities and then looking at those figures in comparison to the global picture. It provides gems such as transaction values in different places, deal flow in areas where fees are the highest, and fee percentages in comparison to general sizes of deals. In order to examine the validity of the figures laid out and the arguments put forth, heavy lifters from places such as Dentons, IAM group and BDP have been brought on board to take a look at the status quo and serve up their take.

Significant findings

M&A success percentages are not the same in any two areas of the world. A good example is a scenario where in the US Pacific, the success rates come in at between 2 and 4% of deals that rise up to $50 million in value. However, as you move across the North Eastern Part of the US, the percentages seem to deplete, coming in at between 1 and 2%. This raises a very important point; if you are an M&A adviser, you should never rely on general averages when analyzing fees, because if you do, you are going to miss the local perspective. This is not to say that national averages are not important; they are, but they need to take on a lesser significance as compared to what is on the ground. The danger with setting your fees at the level of the national average is that you could end up either putting the client in a jinx or even short-changing yourself in situations where local fees tend to rise higher than what the national average would suggest.

Generally, it seems that the marketplace is slowly coming to the realization that M&A works best when the interests paid to bankers align with what sellers receive. Overall, 45% of those asked said that they feel comfortable in such a situation as opposed to a wild card market scenario where one party runs away with the margins.

An interesting finding is that there seems to be no consensus as to the basis of the calculation of success fees. It also seems like the industry does not consciously align itself at the time success fees are dished out. However, 76% of those who were asked indicated that they do factor earnouts when coming up with a success fee.

The force behind the report, Firmex, is a popular virtual data room provider, and its findings are on the books over 100,000 major companies across the globe.

PDF Report Here

Is the house bubble finally set to burst?

ABC Staff
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Is the house bubble finally set to burst?

While the UK economy may have endured a period of decline over the last 18 months, the housing market has continued to perform impressively (with an admittedly restricted rate of growth).

This may be about to change, however, with home-owners fearful that house prices may finally be about to plummet against a backdrop of rising inflation and a potential interest rate hike.

Are these fears justified, however, and should we expect the housing bubble to finally burst in the UK?

What do the numbers say?

According to a recent survey by the Halifax, one-in-five (20%) of British adults said that they expected house prices to fall during the next year. This highlights just how far confidence has fallen in the UK economy, with the latest data revealing the weakest reading for customer expectations since October 2012.

Interestingly, it is home-owners under the age of 25 who are considered to be the least optimistic, as the effects of rising inflation and stagnate real wage growth create a cumulative effect in the minds of consumers. With less disposable income to spend, householders have a negative perception of the economy and many cannot see the property market sustaining growth in the current climate.

This feeling of negativity has been exacerbated by the prospect of the forthcoming Bank of England (BoE) policy meeting, which will take place next week. It is hotly anticipated that the base interest rate of 0.25% will be increased for the first time in a decade at this meeting, sending the cost of borrowing soaring and triggering a further hike in the cost of living.

A perfect storm for home-owners and consumers in the UK

Without doubt, this macroeconomic climate is creating a perfect storm for home-owners and consumers in the UK, with concerns about declining property value and negative equity abound. Not only this, but of the 535 mortgage holders questioned by Halifax, 33% were concerned about their ability to meet repayments in the wake of a proposed interest rate hike.

With these points in mind, it is little wonder that home-owners are growing increasingly concerned about the state of the economy and the trajectory of house prices in the UK. The question that remains is whether the extent of these concerns is justified, as while the rate of growth in the market may have stalled, house prices have yet to experience a sustained decline.

Of course, the concern is that the rising cost of borrowing will impact heavily on demand, causing prices and values to fall incrementally in the months ahead. So even with online agents such as Hatched reducing the cost of actively selling real estate, the increased cost of borrowing will automatically prevent some aspiring buyers from making their move.

The last word

Ultimately, the biggest takeaway here is the declining level of consumer confidence, with households finding their disposable income squeezed and willingness to spend negatively impacted.

This not only reduces the amount of money that is reinvested into the economy, but it also creates a negative mind-set that could last well into 2018 and beyond.

UK Rental Values Continue to Rise

Elliot
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0
UK Rental Values Continue to Rise

According to the latest Rental Index data released by landlord insurance provider, HomeLet, rental values in the UK rose by an average of 2.1% last month (September). This rise in rental values follows the trend seen in recent months following a period over the summer in which rental price inflation was fairly low or even negative in some parts of the country.

Rise in rents across the country

The average monthly rental agreed on a new tenancy last month was £927 according to the latest figures, compared to £908 in the same month of last year.

Higher rental values were recorded in almost every region of the UK last month, with only the South East of England recording a negative rate of annual rental price inflation. Northern Ireland on the other hand experienced inflation of 4.3% last month — the highest recorded inflation rate recorded in that period.

Why have rental values risen?

Inflation in rental values before the Summer was higher than we are experiencing now. But after the Brexit vote in June, foreign investors and landlords were temporarily scared of the ramifications. This fear has now subsided and rental values have recovered, showing a steady growth in the past few months.

Landlords have also been hit with a rise in taxes which has prompted them to bump prices up to cover mounting costs. The increase in stamp duty brought in last year as well as other rising costs has made it increasingly difficult for landlords to make a profit. The only way landlords can hit their bottom line is by increasing the rent they charge tenants.

Commenting on the rise in rental values, HomeLet CEO Martin Totty said: “It wouldn’t be surprising if landlords, seeing their own current and anticipated cost increases, seek to pass these costs on to tenants to preserve the returns from capital they have invested in residential property assets.”

He adds: “This may prove to be the start of that upward movement, especially if tenants are left competing for fewer rental properties because some landlords decide the returns from property investment are being eroded by factors beyond their control.”

What does this mean for tenants?

With rental values on the rise, it’s not looking good for tenants. It’s expected that rental values will continue to rise across the country, most notably in the capital where inflation is highest. The average rental value for a property in London now stands at £1,609.

 

Compounded by the fact that millions of young people can’t afford to buy a property, the demand for rental properties will remain high, as will inflation.

The Top Five Ways You Can Successfully Launch Your Product Online

ABC Staff
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0
The Top Five Ways You Can Successfully Launch Your Product Online

When a business has found or developed a new product and wants to present it to the public, it has to invest in marketing – and that can be difficult. There’s the budget to consider, and within that budget a solid marketing strategy has to be developed. Every business strives for the greatest return of investment, so it’s normal the issue can be tricky.

Getting your product out there for the target demographic to see and try out for the first time is the ticket to success, but there are some challenges to overcome. No matter how good your product might be, there won’t be a positive reaction if nobody knows about it. Here are the top five ways you can successfully launch your product online.

The Amazon buy box

By putting products in the same category as others and selling them online, you immediately promote your product on the strength of others. Getting the Amazon buy box is a perfect solution to this – and you can win the Amazon buy box with just the right tools at your disposal.

Create a give-away project

Nobody minds receiving a free gift, and with a little marketing research it’s easy to make sure your free gift is given to the right person and becomes a lucrative investment. Free goodies might attract the wrong people, but it’s an excellent way to draw people to your site or social media accounts, and it’s perfect to generate attention.

Teaser campaign

Even before your product gets launched, there is plenty you can do to promote awareness and get people curious about your product – create a teaser campaign on Facebook or other forms of social media, and people are sure to start talking. People love excitement, and with some excitement already built up, you’re sure to bring the launch to a new level.

Crowd-funding platforms

Crowd-funding platforms are usually the go-to for funding, but they’re also an excellent platform for getting the word out. And who knows, your product might indeed get attention from the right people and send your business in a much better direction.

Create inexpensive ads

Social media is the way to go if you want to run an ad campaign; it gives a great ROI.

Here’s one more thing you should definitely be looking into: finding influential people who can market your product. These people need not necessarily be famous; they need only to have certain influence. For example, if your product requires some science to explain it, a well-respected authority figure within that field will make it easier for you to gain respect. Similarly, people with a high following have a wider reach and can spread your message much further in a short time. Get help; find the right people to do it. It’s all about creating awareness and the ability to convince.

5 Steps to get started taking card payments

Elliot
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0
5 Steps to get started taking card payments

When starting your own company, there are so many different aspects of the business to juggle. One of the most important ones is how to receive the money from your customers or clients. Deciding on the right payment solutions from the beginning will save you money and stress in the future.

Although many entrepreneurs feel apprehensive about setting up the correct payment methods for their new business, taking these five steps will make the process easy and hassle-free.

  1. Understand why you need to take card payments

What crosses your mind when you hear “sorry we don’t accept cards” or read a sad sign on the wall saying “cash only”? You probably think “what a missed opportunity!” And you are right. Card payments have been around for over 50 years and nowadays they are advancing faster than ever before.

Whether you run an online business or a physical store, accepting card payments will greatly benefit your company. If you manage an ecommerce website, admitting card payments is a must. However, if you are not sure that you should take cards, here are the most important pros to consider:

Boost sales and improve customer service. Accepting cards, you will get all those payments from customers who don’t carry cash in their pockets. And what is more important, you will create a positive customer experience giving them a reason to come back.

More secure. It eliminates the risk of accepting a bad check, getting robbed or losing the money.

Save time and money. Avoiding physically taking the money to the bank will save you time. And as you will be holding less cash, you will be saving money on security.

Improve your cash flow. The money will be in your bank account in a couple of days. That means you won’t be waiting for checks to clear and you won’t have other billing issues.

Inexpensive processing rates. Online payments have higher processing fees than in-person because of the need to secure a payment gateway. These fees vary depending on the chosen merchant account and it is recommended to study the options in detail. In very general terms, the average cost for online business is around 2.5% and for in-person, roughly 2%.

  1. Compare card payment options

Once you have made the decision to start taking card payments, it is crucial to compare the different options available and understand which one works best for you and your business.

Firstly, you will need a merchant account; and if you have an online business, you will also need a payment gateway. The merchant account will hold the funds until they are moved to your business bank account. On the other hand, the payment gateway is required to encrypt the information and process online payments securely.

  1. Open a bank account

If you don’t have one yet, you will need to create a business bank account. If you are operating your business under your own name, you can use your personal account. But if you have a corporate name, it is recommended to set up a specific bank account for your commercial activity.

  1. Choose a merchant account provider

There are many merchant account providers out there. So once you have had a look and compared the options available, it is time to set up an account with a merchant provider. To help you choose the most appropriate one, these are some questions you should have in mind:

– Is their payment processing compatible with your system?

– What fraud protection services do they offer?

– How much is their transaction fee?

– What is the minimum contract length? And the cancellation cost?

– Are there any other hidden fees?

  1. Get the right card machine for your business

If you are dealing with in-person payments, you will need a point-of-sale terminal. There are a number of choices and brands available. These are the most common types of credit card machines, so choose the one that best fits your business needs:

  • Standard Dial Up, which works over the phone line.
  • IP Based Terminal, which processes transactions using an Internet connection.
  • Wireless Credit Card Terminal, works over a wireless network.
  • Wireless Way Systems Terminal, a cell phone specially designed to transmit the payment information.

As you have seen, these five steps are very easy to follow. Whether you have an online or physical business, accepting card payments will help you consolidate your business and answer your clients’ needs. All at the same time that it boosts your benefits and helps you make the most of your commercial transactions. Thus, with this many advantages, it will only take off stress and let you concentrate on managing your company.

Forex Social Trading – the Way to Profit for Beginners and Experts

Elliot
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0
Forex Social Trading – the Way to Profit for Beginners and Experts

 

With the development of the foreign exchange market, novice traders have got great opportunities to simplify their trading process and to learn from other live traders. Social trading or as it’s called. Copy or mirror trading, is one of such opportunities. Long story short, it’s copying someone’s deals to your account in real time.

The team of JustForex broker would like to explain you how social trading works and what benefits it gives to newbies.

Copying trading signals with the help of the MQL5 service is a nice tool for working out your trading skills while observing how professionals work, and defying which trading system fits you the most. Moreover, the Forex social trading helps to delve into the Forex trading philosophy.

JustForex is a broker that has integrated the service of MQL5 Signals to the BackOffice for making social trading more accessible and simple for the clients. That’s why this social trading system is so popular – it’s just comfortable!

 

The details of Forex social trading

 Creating a MQL5 account is quick and takes less than 10 minutes. You need to choose a signals provider and subscribe to him in the terminal. In our case, you’ll need a MT4 trading terminal. After doing that, you can copy signals and start making money. All trading strategies are allowed, whether it is news trading or scalping. Subscribe to any signals provider you want! You can also use a VPS service to make your copying work round-clock. In this case, you won’t need to keep your computer on all the time.

 

The main benefits of this type of trading:

 – Newbie traders can learn while observing how professional traders execute their deals. This may save novices from unnecessary mistakes.

– Even those who can’t trade by themselves for some reason, can earn money.

– The subscriber may stop orders any time he wants, and it won’t affect the trading of signals provider.

– The possibility of depositing MQL5 account with any payment method available to JustForex clients. It is so thanks to the integration of the MQL5 Signals service to the Back Office.

– You can use both paid and free signals.

 

Some more tips for social trading:

  1. Find a strategy that fits you. You may focus on a popular signals provider or on a certain system (scalping or reversal trading). See the maximum drawdowns of the provider and his equity, decide whether you would like to risk more or less.
  2. Pick a time frame. It’s a bit similar to choosing a trading system, as these things are correlating. Day traders prefer lower time frames, while long-term traders work with H4, D1 or even W1 charts.
  3. You can talk to your signals provider, read his blog or watch his YouTube channel to keep up-to-date and understand how he trades. This will help you not only to understand why he has chosen his strategy, but learn the whole trading process and become more experienced. Ask questions, if you don’t understand something. But this works only when you know that person and can contact him via social media. Other way, you’ll just copy signals basing on the account statistics.

 

So, as you see, social trading is one the best way to start trading for those who is not ready to trade by own forces. If you are not experienced enough and don’t want to risk much, feel free to use the MQL5 Signals service.

As you see, there’s no matter whether you are going to trade by yourself or with the help of social trading, you’ll always find a suitable place on the Forex market.

Cheaper and Stronger: The Financial Benefits of Steel Construction

ABC Staff
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Cheaper and Stronger: The Financial Benefits of Steel Construction

Homeowners and business owners in the market for a new main or auxiliary building have no shortage of structural materials to choose from.

Each material has its own set of strengths and weaknesses. From a purely financial standpoint, however, there’s little doubt that steel frame construction is the way to go. Whether you’re putting up a cost-effective metal workshop at home or investing in a new warehouse for your growing firm, the fiscal benefits of steel are legion.

Let’s take a look at five of the most persuasive arguments for building with construction steel.

Its Upfront Cost Is Lower

Steel buildings are far less costly to construct than buildings made from traditional, heavier materials, such as brick and concrete. Unlike the heavy steel beams found in modern skyscrapers, steel frames are surprisingly lightweight and material-light — meaning the cost of producing and shipping them is comparatively low.

Targeted Investments During Construction Can Pay Dividends Later On

Steel buildings’ relatively low material costs allow for DIY fabricators and professional builders alike to make targeted investments during the construction process.

Done properly, these investments can further lengthen the already considerable lifespan of steel frame buildings. For instance, a corrosion- and heat-resistant coating all but removes worries about the long-term effects of high-temperature uses, such as metalworking or ceramic manufacturing, as well as the insidious effects of surface or groundwater.

It’s Extremely Long-Lived and Durable

Steel frame buildings are exceptionally long-lived and durable. Whereas maintaining wood and concrete structures is a costly and time-consuming process that may require professional assistance, the manageable amount of ongoing maintenance recommended for steel buildings isn’t overly burdensome for most owners.

“When protected and maintained properly,” notes the American Institute of Steel Construction, “steel provides long-term durability and a lower life-cycle cost to the owner, making it an economical and sustainable choice.”

With proper care, your steel frame building may well outlive you. If you prefer to do things once, the correct way, that’s a powerful argument in its favor.

It’s Resilient Against Fire and Natural Disasters

Steel isn’t indestructible, but it’s quite good at standing up to Mother Nature’s wrath. In particular, steel frame buildings are more resilient than wood and concrete against earthquakes registering 7.0 or higher on the Richter magnitude scale, strong hurricane-force winds, and exposure to intense heat and flame.

It Resists Mundane Threats Too

Steel resists non-kinetic threats as well. With no readily available supply of food, it’s of little interest to wood-eating insects and rodents, who simply can’t survive for long periods within its confines. Properly treated steel also resists water-driven corrosion and erosion; the same can’t be said for concrete or brick.

The Case for Steel Is Strong

The financial case for steel is, well, strong. Steel frame buildings are cheaper and less wasteful to construct, and they’re extremely long-lived and durable with proper preparation during the construction process. They’re also incredibly resilient against high winds, fire, earthquakes, and other natural perils. And they’re far less vulnerable to water and pest damage than traditional materials, such as wood and concrete. Steel might not be appropriate for every building, everywhere — but it’s far more versatile than it gets credit for.

Why it pays to get involved in the events industry

Elliot
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0
Why it pays to get involved in the events industry

You might only encounter the events sector a few times a year; maybe you regularly attend conferences, conventions, festivals, or corporate parties on special occasions. But for the events industry itself, every day is a special occasion. The events industry, built up around celebrations, has its own reason to celebrate: it is one of the most profitable sectors in the worldwide economy, bringing billions in revenue to destinations all over the world.

Take Chicago’s McCormick Place. This 2.6 million square foot event complex is at the centre of the city’s events ecosystem, playing host to thousands of events and contributing an estimated $1.7 billion a year to the Illinois economy. Without this single venue, Chicago (and Illinois in general) would be far worse off financially.

Similar venues can be found around the world. The events industry has established itself as an important, irreplaceable sector of the economy, and it’s likely to stay that way—at least for the near future.

 

How much does the events industry generate?

Sticking with McCormick Place as an example, the aforementioned $1.7 billion estimate comes from a study conducted by the venue’s owners, McPier. McPier released the figures as debate was raging over the state budget, as a reminder to the Illinois legislature of just how important the venue is to the city. It’s not just the money that the government needs to bear in mind; the same report also suggests that McCormick Place is responsible for 15,000 jobs in the Windy City.

McCormick Place may be the largest events venue in North America, but there are other venues with enough clout to influence governments. A little closer to home, the ExCel Centre in London generated £5 billion of economic activity in its first five years. The UK events sector as a whole is said to be worth $42.3 billion to the economy, supporting 570,000 jobs, and making up over 35% of the UK visitor economy, according to figures from Eventbrite.

Back in the US, the events industry is estimated to generate more wealth than air transport, sound recording, performing arts, spectator sports and the motion picture industry. With figures this large, it’s no surprise that the events sector is due to expand even further over  the next few years.

 

Where will the events industry go from here?

The US Bureau of Labor Statistics has forecast the country’s events industry to grow 44% by 2020, a higher level of growth than many other industries. In the UK, the Conference and Incentive Travel (C&IT)’s State of the Industry report found that 83% of events agencies expected to grow in headcount in 2016. 63% of corporate event planners expected the number of events they hold to grow year-on-year.

It’s not just in the world’s largest cities, like London and Chicago, that events are picking up. Further up north, a new arts, leisure and conference hub is being opened in Gateshead. The local council estimates the complex will generate £30 million for the area and create 500 new jobs. With centres like this opening up across the country, it appears nothing could slow down the growth of this thriving industry. Unfortunately, there is one particular event on the horizon which might puncture the events bubble.

 

What might slow the events industry down?

In the UK, one seemingly unavoidable factor that has created uncertainty in almost every industry: Brexit negotiations are making very little progress. A “bad deal” or “no deal” situation could drive the major players in many industries towards relocating to EU member countries, taking millions of pounds and thousands of jobs with them in the process.

Just 30 days after the Brexit referendum, the Meetings Industry Association (MIA) conducted a survey which found that 92% of respondents had already experienced a drop or freeze in enquiries. The C&IT found that 20% of event planners saw uncertainty around the EU as the biggest threat to the industry. The reasons for this are manifold.

First there is employment; many UK hospitality workers come from EU member states. With the state of their rights unclear, there’s a chance many of them could be forced to return to their countries of origin. However, post-Brexit limitations on travel will also herald a significant change. If international guests cannot travel freely to the UK after Brexit, far fewer global events will be taking place in the country.

For now, though, the events industry seems buoyant. And just as McCormick Place aimed to influence Illinois legislature, other government bodies are taking note. Gateshead’s  new arts, leisure and conference hub will cost millions of pounds to build, but £25 million of that will come from the local council. Brexit or no Brexit, this country is banking on events.

Bitcoin influence on online gaming

Elliot
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0
Bitcoin influence on online gaming

Since the introduction in 2009 bitcoin attracts constant attention in the economic world. Referred to as cryptocurrency, digital cash, electronic money or similar, the idea exceeded anyone’s expectations and became a true phenomenon. It is especially popular among people living in technologically advanced countries where it can really prove its usability. One of the sector that particularly fell in love with bitcoins is online gaming.

The universality of digital cash and its advantages make it applicable in a lot of industries. Merchants and vendors from various business sectors have accepted the concept. As for the internet gaming, there are plenty of poker websites for real money out there, as well as great variety of online casinos and other gaming entertainment. Many of them continuously present new and innovative methods for depositing and withdrawing funds, just to stay on top and improve client’s satisfaction. In addition to some of the popular currencies like dollars, euros or pounds, the software sometimes enables more ways of exchanging currency to reach local markets around the world. Operators have also adapted quite quickly to the most recognized cryptocurrency.

The relationship started when traditional casinos tested the waters with electric currency, introducing it slowly to customers as a way to buy some small items. Nowadays, online establishments that have fully accommodated bitcoins as a payment for pretty much all transactions are popping out across the great wide web with tremendous speed. With some statistics setting the number of unique users of electronic wallets close to 6 million (and growing), there really is no doubt about the profitability of this market here.

The reason for the satisfactory state of affairs is pretty straightforward. First of all, the whole concept is based on the peer-to-peer system, which means the transactions take place directly between interested parties, with no intermediaries needed to come into play. It enables the processes of money exchange to be easier and anonymous. That is a huge value for self-aware users in modern world. Gamers should be the ones to especially appreciate the fact that bitcoin deposits or withdrawals will not make any entries to their bank or card statements. The fees connected with such transactions usually amount to zero or close to zero. Negligible in comparison to more traditional methods involving credit or debit cards, or even online payments systems such as Pay Pal. It may sometimes result in better odds and higher payouts offered to players by some operators, and consequently increased attractiveness towards the ones that do. The money exchange is typically un-reversed, that is why there are no chargebacks. This contributes to the safety factor as well. Then, there is also a matter of ubiquity. As long as you have internet access, you can fund your account on any device you like, computer, tablet or smartphone.

Nothing comes to mind for the moment that could jeopardize the future of bitcoin in online gaming. There may still be some issues with this innovative concept, hence no guarantees of any kind can be assured. However, some say that regardless of it all, bitcoin is perfect for the internet gaming industry, and will always find a secure place there.

How to Start Retirement Investing with as Little as £100

Elliot
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0
How to Start Retirement Investing with as Little as £100

Young Brits getting ready to enter the world of retirement investing are often overwhelmed by the seemingly endless pool of investment products. They can choose from mutual funds, stocks, bonds and ETFs as well as other investment products. With so many options, what’s the wisest choice? And how do you learn enough to begin?

 

Never Put Off to Tomorrow What You Can Do Today

One of the biggest issues young Brits—as well as millennials around the globe—seem to face is the age-old dilemma of procrastination. It’s tempting to spend all your free time with friends, social media, watching sports, etc., and put investing on the on the proverbial back burner. Why bother investing now? There will be plenty of time tomorrow, right? Wrong!

One of the guiding principles of investment strategies is to give your portfolio time to grow. Letting your investments ‘roll’ over a longer period of time is key to accumulating wealth. The longer investments roll, the larger their net worth. When it comes to investing, there’s no better time to get started than the present. Invest today for spending power tomorrow!

Think of it this way: investing is much like choosing a new set of earbuds for your mobile device. When the ones you have are broken, any earbuds are better than none. Without them, you cannot hear your music, right? In this case, “good is as good as great” because the merely decent earbuds still enable you to hear. So it can be with retirement investing: Rather than wasting time procrastinating over which investment is ‘best’, you should just jump in and get your feet wet now with smaller options. Then, as these smaller options grow, you can begin to look at better investment products.

 

Start With Some Basic Education and a Small Investment

If you want to begin investing with as little as £100, all you need to do is look for a single share of an ETF (Exchange Traded Fund) and consider buying a decent book on beginner’s investment terminology and strategies. This compilation is a good place to start and will help you learn common investment terms and teach you the basic mechanics of investing. You can also find many free investment guides online—just make sure you select ones from a reputable source.

Even if you only end up buying just one share of a company-traded on the world stock ETF, you can count yourself amongst the proud investors who own a small piece of the pie. With over 5300 different stocks to choose from on the world market, there are plenty of choices.

 

Continue to Learn and Grow as an Investor

You’ve started small and that’s okay. Here, however, it is necessary to continue learning as much as you can. Your initial investment will provide you with the ‘hands-on’ tool you can work with whilst you gather more and more knowledge. If you have more than £100 to invest, investment-learning tools will help you choose a broader range of products that fit the investment style you are learning about.

No matter how large or how small your initial investment is, the key is to continue learning as you go. Yes, you can start small today as a young millennial, but do not put off until tomorrow what you should be investing today. It is by far better to invest a little now that will grow as you go than to procrastinate thinking tomorrow will provide all the opportunity you need. Today’s investment is tomorrow’s spending power and that is the biggest lesson you can learn about the world of investing.

 

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