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Institutional investors


The meeting of G-20 finance ministers has just been concluded in Germany but there is still a dark shadow of uncertainty hanging over global trade. To start with, the Communiqué released after the meeting provides reasons to be worried about global economic trends because of the things it didn’t say on trade.

For instance, the G-20 finance ministers practically refrained from making the usual commitment to foster cooperation on global trade.  In fact, the G-20 finance ministers seemed hesitant to discuss or mention trade – “trade” was mentioned two times in this communiqué – ”trade” was mentioned 40 times in the communiqué from the last G-20 finance ministers meeting that held six months ago.

From the foregoing, one could make two submissions. The first submission is that the G-20 finance ministers are  passing up the responsibility of sorting out the brewing issues in global trade to their political leaders. The second submission is that the G-20 finance ministers are probably clueless on how the geopolitical tensions could affect global trade. The fact that G-20 finance ministers don’t know where the global economy is headed suggests that traders and investors can expect increased volatility in the markets going forward.

Increased uncertainty brewing in the global equity markets

The lack of concrete information on global trade from the last G-20 meeting of finance ministers is sowing the seeds of concerns in the global economic landscape. The performance of equities in the global market suggests that traders and investors are worried that protectionism might become the order of the day at the expense of free trade.

The fears of increased geopolitical headwinds if trade wars begin is already triggering increased uncertainty and its attendant volatility in the global equities market. As at market open on Monday, March 20 (the first trading session after the G-20 meeting) global equities were mostly choppy. In Asia, Japan’s Nikkei 25 was down 0.35%, China’s Shanghai was up 0.41%, South Korea’s Kospi was down 0.5%, Hong Kong’s Hang Seng was up 0.6%, and Taiwan’s Taiex up 0.1%.

Here’s you could get trading direction in a directionless market

It could be very hard to make sense of where the markets are headed after G20 finance ministers failed to denounce  protectionism in the global economic landscape. Nobody knows the extent to which increased protectionism will alter the balance of the markets but stakeholders agree that we will see increased market volatility as the world transitions from an era of free trade into an era of protectionism.

Institutional investors are in a better position to navigate the upcoming market uncertainties because they have better access to market data and they have strong cash positions to make volume trades and hedge such trades. However, individual retail traders are exposed to greater risks in times of increased market volatility. In fact, retail traders might only have one opportunity to get a trading decision right after which the capital invested in the trade is as good as lost.

However, social trading is an innovative trading strategy that helps retail traders to improve their odds of making winning trades. What is social trading? InvestinGoal defines social trading as a form of trading that ” allows the investor, even if inexperienced, to copy automatically the financial transactions made ​​by one or more professional investors inside a trading network.” In essence, retail traders can leverage social trading platforms to copy the trade of professional and experienced traders in order to improve their chances of trading success.

Of course, social trading suggests that you are placing the fate of your trading success on the reliability of the trading decisions made by other traders. If such traders make erroneous trading decisions, you would have copied the poor trading moves and you’ll most likely lose money on the trade.



Tradesman liability insurance is something that every self-employed person must have by law. There are two main parts of this insurance: public liability insurance and employer’s liability insurance. If you are self employed but do not have any employees who work for you, then you don’t need the employer’s liability insurance. Public liability insurance, while not required by law, is highly recommended and will protect you from a number of problems.

What public liability insurance covers is any claims that could be made against you by a third party. For a construction worker, this might be someone walking past your site who trips over a tool and is badly injured. For someone working as a builder, plumber, electrician, or other trades that involve entering a client’s house, this will cover the accidental destruction of property in the owner’s house, whether or not it is caused directly by the work you are doing.


Employer’s liability insurance


Employer’s liability insurance, put simply, covers the possible injury or death of your employees in the event that you are sued for damages resulting in your negligence. This will typically cover the amount that the employee or their family is asking for as well as the associated legal expenses. This type of insurance is typically sold along with public liability insurance as the two go hand-in-hand.

There are many other types of insurance that a self-employed person will need to have or at least consider depending on the type of business you have. Contractors, builders, and other construction tradesmen will probably need contractor’s all risks insurance, which will cover everything from employee’s tools; the property on which the work is being done; and loss of materials, tools, and equipment due to theft or damage.


Personal insurance


Personal insurance is something that many people overlook, but it is extremely important for self-employed people, whether or not you have employees. Also called personal accident insurance, it will cover you as the owner if you are injured and not able to work for a period of time. It will provide you with a monthly tax-free income during the time you are unable to work, hospital cash that goes toward covering hospital bills, and may include a lump sum payout depending on the injury. This is another type of insurance that is highly recommended for construction worker, but is useful for any person who is self-employed, including hairdressers and beauticians.

For those in the construction industry or those who use expensive machinery and tools, you may want machinery and tool insurance. In the construction industry in particular, there are a lot of chances for theft, accident, damage, and injury to occur as a result of the heavy machinery being used. This insurance will also typically cover damages caused by third parties.

When selecting the types of insurance needed for your specific trade, take your time and do your research. Check first to see which types of insurance are required by law, and which ones you think you will really need. It’s important also to measure the cost of the insurance against the risk of not having it. It is always better to have more coverage that you think you might need, even though if you are just starting out it may be financially difficult to have insurance.