The New Investors Toolbox
29 Oct 03

Things are becoming critical. An aging population is putting greater and greater stress on the pension system and the health service. Ordinary people have take control of their financial plans by adopting a clear investment strategy. The "New Investors Toolbox" is a clear, straightforward explanation of the new tools available to the investor. The authors have ensured that the costs and the risk of using the tools is spelled out. They make the point that investors focus too much on reward and not enough on risk. The book is not a "get rich quick book" but one which someone who has the sense to pay attention to their future financial needs can use to meet their own needs or, if they use a financial adviser, to speak to the adviser on a level playing field. Indeed, many financial advisers are unaware of the power of these tools and will go as far as to shun them without trying to understand what they can to help investors protect their wealth or to grow their assets and increase their performance.

For some time successful professional investors have been using an exciting range of financial tools to manage their investments. Whether the professional investor took a cautious approach to the markets or was at the other end of the spectrum and engaged in more speculative investments the tools allowed them to choose a strategy that suited their investment objectives. Using the tools the risk averse investor can limit their losses and the more adventurous investor can enhance the performance on their portfolio. It is about careful balancing of risk and reward into which the book delves in some detail.

Like any innovation the costs tend to be higher at the outset. But now the costs of using these tools has come down and their standardisation means that they are now accessible to the private investor who can use them to have greater control of their investment strategy and their investment objectives. The "New Investors Toolbox" was written because nobody had bothered to tell private investors that these tools are available and what books there were on the subject where written in such impenetrable financial gobbledegook that private investors were put off the whole idea.

The authors are critical of the financial services industry for the lack of information, transparency and the total absence of meaningful financial education which would put ordinary investors in a better position to manage their own affairs. The financial services industry has not served the private investor well and many are now deeply concerned about their financial futures which they left to independent financial advisers and pension funds to plan for them.

The "New Investors Toolbox" should be read by anyone who has fears for the security of their capital and anyone who fears for their financial future because their investments are not yielding enough. Even those who do not manage their investments but want to know more about the "mysteries" of the financial markets will find the well written and clear explanations of the tools will help complete the picture of how modern financial markets work. The days of shares, bonds and cash as the only financial instruments are passed: futures, options, contracts for difference and exchange traded funds are just some of the fascinating and valuable financial tools that are available and helping millions of investors regain control of their wealth.

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