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To bring you the best content on our sites and applications, Meredith partners with third party advertisers to serve digital ads, including personalized digital ads. Those advertisers use tracking gem coin vs bitcoin to collect information about your activity on our sites and applications and across the Internet and your other apps and devices. What is an investment trust and why would you want to put your savings into one?

Spend your way onto the property ladder! I received a mailshot offering free entries into the National Lottery – is it a scam? Fed up with being hit by energy price shocks? 59bn Brits have tied up in Europe safe? Where should you invest next year?

Read this: Where should you invest next year? Developed markets have been the winners of 2013 as economic recovery appears to haven taken hold this year giving a boost to equities, but will that continue into the New Year? The FTSE 100 has knocked on the door of its all-time high while the Dow Jones reached a record breaking level, giving investors a boost in their investment portfolios, but that doesn’t mean you should ignore emerging and Asian markets. Investment management firm Psigma predicts 2014 could be the year for Asian equity, particularly in Japan and China, where positive sentiment has eased concerns about economic growth and inflation that previously deterred investors. Thomas Becket, chief investment officer for Psigma, predicts a continuation of Japan’s recent stock market renaissance and a return to favour in ’emerging’ Asian equities in 2014. He said big companies in the UK could also benefit from global market growth, but warned investors will have to be a bit more picky about bonds as recovery takes hold. This is because the yield on bonds tends to fall when the economic climate and interest rates improve – and things do appear to be improving.