TIC Investing Hub
At The Investors Centre, we provide expert insights, unbiased reviews, and in-depth comparisons of the best investment platforms in the UK. From low-cost investment apps to tax-efficient Stocks and Shares ISAs, our goal is to help you make informed decisions and maximise your returns.
Explore our guides, platform reviews, and expert tips to find the investment solution that fits your goals. Whether you’re investing for the long term or looking for the best short-term opportunities, start your journey with confidence today.
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5 Eye-Opening Investing Q&As
Is my Cash ISA really safe if it’s losing value every year?
A Cash ISA protects your money from volatility, but not from inflation. If your ISA earns 2.5% while inflation is 4%, you’re effectively losing money in real terms. Over time, your savings buy less, even though the balance grows. It feels safe — but it may be quietly eroding your wealth.
Does investing in the FTSE 100 mean I’m backing British businesses?
Surprisingly, no. Many FTSE 100 companies like BP, Shell, and HSBC earn the majority of their profits overseas. In fact, only about 20% of FTSE 100 revenue comes from the UK. So when you invest in the FTSE 100, you’re getting global exposure, not just a stake in the British economy.
Are fund managers worth the fees?
Not often. Over a 10-year period, more than 90% of UK active equity funds underperform their benchmarks after fees. While some managers beat the market, picking them in advance is extremely hard. Low-cost index funds like the S&P 500, which track the market rather than try to beat it, have consistently delivered better long-term results.
Do you know what my pension is really invested in?
Most people don’t. Workplace pensions are usually placed in default funds, which often invest in fossil fuels, defence companies, or tobacco firms. But you can switch to ethical or ESG options that align with your values — and performance doesn’t necessarily suffer. It’s worth checking what your future is funding.
What would the projected returns be if I invested £500 a month in the S&P 500 for the next 20 years?
At the S&P 500’s historic average return of 10.5%, investing £500/month for 20 years could grow to around £380,000. Your total contributions would be £120,000 — the rest is compound growth doing the heavy lifting. This shows the power of consistency, time, and global equity exposure in wealth building.
