Beginner approach
Most beginners are better served by diversified funds rather than chasing individual high-yield shares. Focus on costs, diversification and tax wrappers before dividend yield.
- Use a Stocks and Shares ISA where appropriate
- Understand platform fees
- Reinvest dividends while building capital
Kelly's tips
Do not choose an investment just because a sign-up bonus looks generous. The platform and fund choice matter more than the introductory reward.
- Capital at risk
- Past performance is not a guide to future returns
- Keep emergency savings separate
