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Investing can be a tough field to get into, and one of the most difficult parts is figuring out how to invest. There are so many options available that it can be hard to know where to start and what is best for you. One of the most popular ways to get around this is by picking up an investment newsletter and getting the information from a pro. There are many different types of newsletters, so you’ll want to do your homework before diving in with one. That’s why today, I’m going to give you some tips on how to choose the right newsletter for you and how to make sure you’re not walking into a scam!

How often will I receive emails? What type of content can I expect? Is this for me? I will answer all these questions as we go through this post! Keep reading if you’re looking for more info about finding a great way to invest.


What Is An Investment Newsletter And Who Is It For?

You might have seen ads for investment newsletters in the sidebars on many websites while surfing the web. These are publications that provide information about investing and financial advice, often sent out to subscribers by email. They come from renowned experts like Paul Farrell from MarketWatch, David and Tom Gardner from the Motley Fool, Chris MacIntosh from Capitalist Exploits and many others.

Although they’re mostly targeted to investors and traders, investment newsletters are a very good resource for anyone who wants to learn about the current economy and investing. These invaluable sources of information can be used either by people with little to no experience in investing but who want to learn the ropes or by skilled and weathered investors and traders with years of experience.


Why Should You Read An Investment Newsletter And How Often Should You Read It?

There are many pros to reading newsletters. The most obvious one is that you have a steady stream of information coming from experts in the field, so they can help keep you informed and give guidance when needed. In other words, investment newsletters will provide you with the latest financial information and help keep you on track to reach your investment goals.

The most direct way they accomplish this is by sending out recommendations about what stocks to buy or sell. You’ll also be able to educate yourself on how the economy works and understand why your investments might go up or down at any given time.

You can read investment newsletters as often or as little as you like, but weekly seems to be frequent enough for most people who subscribe.


What Makes One Newsletter Better Than Another?

Investment newsletters can vary in many ways, so there’s no one answer for what makes a newsletter better than another.

As far as how content is delivered and the types of recommendations they make, it really depends on your personal preference. For example, some people prefer to receive their information through email rather than something like an RSS feed or text messages.

There are also different levels of intensity when it comes to newsletters. Some offer more advice that is more hands-on, while others might only send out a monthly update or two each year with broader and more general information.

The important thing is that you find the one that’s right for you!

  1. How Do I Know Which One To Choose

As I just said, choosing the best investment newsletter comes down to your preferences and what you plan to do with the information you receive, so the first thing you want to do is think about what you want and what your goals are.

This is important because some newsletters will often have a specific focus. For example, some are for retirement planning; others focus on finding asymmetric low-risk/high-reward investment opportunities, while others specialize in estate taxes or investing as an expat. You’ll want to pick the newsletter that’s right for you based on your needs and situation—you may subscribe just to get updates about certain markets, like oil or gold, or you may want to have a more general overview of the economy.

Some people like unbiased yet opinionated newsletters about what stocks they recommend, while others prefer newsletters with specific investing strategies instead.

What’s most important, though, is for your newsletter to be in tune with your goals—you don’t want to read information from someone telling you to do something you don’t agree with, such as buy bitcoin, when your goals are set on long-term stability.

It’s also important that the newsletter is reputable and trustworthy—you want to be sure you’re not just getting spam from some guy in Nigeria who wants your bank account information, which brings me to a very important point that I’ll talk about in the next section.

  1. How Do You Know An Investment Newsletter Is Not A Scam?

There are many ways to tell if a newsletter is legit. Probably the first thing you should do is check the writer’s background, as well as their experience and qualifications in financial matters. It also helps to look at the track record of recommendations they have given in the past and their credentials and memberships, such as whether or not they are a Chartered Financial Analyst or CFA.

Another easy way is to read reviews about them online—you’ll find both positive and negative feedback on any newsletter that exists! So you can use this information when you’re trying to figure out if it’s worth subscribing to.

A final thing you can do is check the company’s contact information and make sure that they have a phone number and an address where you could reach them, should anything go wrong with your subscription or if there are any problems in general.

If you’re still not sure, don’t be afraid to ask someone else for their opinion! This can often help provide some reassurance that your investment newsletter of choice will actually work out in the long run.


The Bottom Line

If you’re looking for a way to improve your finances, an investment newsletter is worth subscribing to. In some cases, reading it can be done in as little as 15 minutes every week and will provide valuable financial advice tailored just for you.

Investment newsletters are typically written by professionals who study the markets closely to know what information would be most helpful to their readership. They also have a decent idea of where the market is going because they’ve been tracking it all along!

The key to choosing the right investment newsletter is knowing what you want. I have found that people who know where they’re going don’t need a lot of advice and make better use of the advice they’re given. It’s important to make sure the newsletter matches up with your goals. Once you’ve shortlisted those that do, following the points I listed earlier will give you a good idea of which one to choose!


Top 10

Insurance providers must be ready to tackle quote manipulation as potential fraud rises




Sam Marsh, director, product management at LexisNexis Risk Solutions Insurance

As road fuel costs reach a record high[i]  and inflation hits a level not seen in 40 years[ii], it is little wonder that reducing motoring spend, including shopping around for cheaper car insurance, is top of the agenda for many people. Indeed, recent reports indicate that 68% of UK adults plan to decrease the amount they spend on driving[iii]. As finances are squeezed, the fact that one in five motor insurance buyers think it is fine to manipulate details in their insurance application to obtain a favourable quote on their premium[iv], indicates that insurance application fraud looks set to rise.

To some, quote manipulation may seem innocent enough, but deliberately misstating key pieces of information is fraud. This can have the knock-on effect of increasing policy prices for all.  More concerning is that individuals deliberately misstating information in their application could find their policy is made null and void if this is discovered at claim and they may also find it difficult to obtain insurance in the future.  What may seem like a little white lie can have long-lasting ramifications.

What exactly is quote manipulation though? Manipulating a quote is when a person applying for insurance (the proposer) deliberately materially changes information on an application throughout the quote journey, to reduce the premium. It could be the address the vehicle is left at overnight, whether it has any modifications or years licence held. Often this is done across numerous quotes to compare results, cherry-picking the best.

‘Fronting’ is an example of application fraud and often involves quote manipulation.  This is where a person (often a father/mother/older sibling) declare themselves as the main driver/proposer, when really it is their newly qualified family member who would be a higher cost to insure.  They will try numerous quotes, swapping out different main drivers, to see how the costs compare.

So how can the shrewd use of data enrichment at point of quote help the industry move the fight against fraud from detection at point of claim, to prevention at the front door?  It comes down to using quotation data intelligence gathered from across the insurance market.

Fraud comes in many guises, but insurance providers cannot fight it in silo. A market-wide quote history database can help identify potentially fraudulent quote behaviour in real-time by comparing quotes across a specific period of time to identify the probability of data being manipulated.  This insight puts insurance providers in a position to check the facts with the customer before policy inception.

It’s not just fraud prevention this quote history data can help with, understanding the likelihood of quote manipulation can also help support pricing and underwriting practices, when used alongside additional data attributes at the point of quote.

Indeed, insurance providers could combine unique insight into how, when and if an individual has shopped for insurance with further insurance specific data sources such as policy history (cancellations, gaps in cover); vehicle history (MOT, valuation, mileage); the presence and performance of Advanced Driver Assistance Systems; and soon claims history to create a 360-degree view of the risk. This can help insurance providers consider the suitability of a product or price for a particular customer, offering them a significantly better customer experience.

Our research suggests that it is younger people who are more likely to manipulate quotes with nearly three quarters of 18–24-year-olds in our recent study thinking any or some adjustment of information is okay in order to reduce their insurance premium[v].  This may not come as a surprise given a recent report has found that the under-30s are disproportionately being forced to bear the brunt of the costs of social care reform and Covid via a 10% increase National Insurance Contributions and freeze on the student loan repayment threshold[vi]. So, the ‘Packhorse Generation’ as they are being dubbed, may, more than other generations, give in to the temptation of quote manipulation.

However, as stated previously, if an insurance provider knows up front the risk of a quote being manipulated, that is their opportunity to query the validity of the data and educate consumers who may be genuinely unaware of the risks of deliberate mis-statements, before policy inception.  This approach can help protect both themselves and the customer from the outcome of fraud.

As economic pressure spirals, insurance professionals have an immediate opportunity to leverage consumer quote information to educate, protect and price customers based on their shopping behaviour.




[iv] LexisNexis Risk Solutions was not identified as the sponsor of this research, which was based on a survey of 1,546 consumers who had bought motor insurance online within the last 12 months and was conducted during April 2022

[v] LexisNexis Risk Solutions was not identified as the sponsor of this research, which was based on a survey of 1,546 consumers who had bought motor insurance online within the last 12 months and was conducted during April 2022


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Can intelligent automation ensure the survival of the insurance industry?




Eric Tyree, SVP of AI and Innovation, SS&C Blue Prism


The economic viability of the insurance industry’s current business model has been in question for a number of years. McKinsey’s 2022 Global Insurance Report shows that 52% of the industry’s global equity had a return on equity (ROE) lower than their cost of equity over the past five years. While most insurers predict premiums will continue to rise in 2022, following the 2020 pandemic-induced growth rate contraction to 1.2%, many non-pandemic obstacles remain in place, including changing consumer preferences and the rise of relevance-challenging advanced technologies.

Intelligent automation (IA) has the ability to upend this outdated model, replacing it with an effective and profitable alternative. By integrating IA into the claims, underwriting, pricing and distribution processes, insurance firms can improve margins and productivity, as well as customer and employee satisfaction.


Why is the insurance industry flailing?

The insurance industry is in a state of stagnation, struggling to maintain profitable operations. Fee transparency has made it easy for customers to seek out lower-cost options, while growing technology adoption has heightened price and speed pressures, fueling an increasingly competitive landscape.

Property and casualty insurers have struggled to reduce costs in recent years and the overall industry has seen an ROE slightly below cost of equity – with the exception of insurance brokers, which were the only segment to see positive economic growth. These oppositional forces are further compounded by the lack of growing demand in mature markets. The industry is increasingly dependent on price increases, rather than expanding client bases and new coverage offerings.

This changing growth model that relies on price increases is one of the industry’s greatest threats moving forward. The sector needs to unlock latent customer demand, improve value creation and cultivate growth and innovation. Advanced technologies can be leveraged to accomplish this, resulting in lowered costs, optimized customer and employee experience, as well as improved decision-making and productivity.


Why has digital transformation become imperative for the industry?

The changing demands of the market require insurance companies to operate at increasingly faster speeds. As McKinsey reports, “What used to take years must now be done in months or weeks.” Such rates of operation can be accomplished by leveraging the powers of intelligent automation. By integrating IA, insurers can reduce their turnaround times, take on higher volumes of applications and drastically reduce error rates, which are more common when human workers are left to conduct repetitive tasks. This gives employees time back and enables them to develop innovative strategies, focus on complex cases and offer tailored customer experiences.

This is especially important as the industry’s competitive landscape has become a “fight for the customer.” Consumers expect the convenience and ease of digital channels but still need the personalized service that only human workers can provide. This is where insurance firms can differentiate themselves – by striking the right balance between automation and tailored human service.

The rapid growth of insurtechs – entities using technological innovations to maximize savings and productivity in the insurance industry – further illustrates IA’s integrality to the industry moving forward. Their threat to traditional insurers is evidenced by global investment in them increasing from $1 billion in 2004 to $14.6 billion in 2021. Insurtechs offer digitally enhanced client experiences and tend to focus on the marketing and distribution segment of the value chain, along with property and casualty products. These behaviors signal value-adding areas to the rest of the industry.


How does the insurance industry leverage the power of intelligent automation?

For many insurance companies, the transition away from legacy systems and siloed functions in the face of budgetary pressures can seem daunting. However, insurers can work with an automation partner to ease the process. Such partners enable them to make the most of their existing systems, using digital workers to operate between previously siloed systems and sync data between applications. This method allows insurance firms to incrementally dismantle their legacy systems, rather than being forced into an all-at-once approach.

Using this transitional automation strategy, tasks related to onboarding, data analysis, claims fulfillment and invoicing can still be automated, unburdening human workers and, in turn, promoting innovation and new revenue streams. This automation management will help insurers streamline the customer journey, settle claims faster and ensure compliance with the latest regulations. And, as the returns from IA initiatives free up more resources, insurance companies can further automate processes and deconstruct legacy systems, creating increasing value and returns.

Thomas Miller, a leading international insurance services provider covering 80% of the world’s containers, worked with SS&C Blue Prism to integrate intelligent automation into its operations. It was looking for solutions that worked with its “low-volume, high-value” model and didn’t require implementing costly new IT infrastructures. As a result, the company was able to see significant ROI, increase agility and resilience, process renewal applications 24 hours a day/ seven days a week, improve accuracy while reducing turnaround times, and give underwriters more time to focus on value-promoting work. This ultimately served to improve the customer experience, a key competitive differentiator in the industry today.

Although the demand for insurance is expected to continue to rise this year, especially in emerging markets, the industry’s long-term longevity will depend on its ability to adapt quickly. Advanced digital technologies have the ability to either boost insurers’ competitive edge or render them obsolete. The future relevance of the insurance industry will depend on its willingness and commitment to adapting to this changing environment.


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