Rosie is an independent personal finance journalist who has been writing for top national newspapers since 1996.
Low interest rates, in the UK anyway, have become a part of the fabric of life. But in November of this year, the Bank of England finally made a move upwards - a 0.25 percentage point increase in the base rate that puts interest rates at 0.5 per cent.
Most investors have little desire to become currency traders. But as global trade has become the norm, even the returns on our domestic stocks and funds have become heavily influenced by the movement of the pound against foreign currencies.
For many people, the ability to achieve a regular income from investments is important. This may be particularly relevant for people who are retired and no longer have a monthly pay packet to rely on and are looking to achieve financial freedom, while other people require their investment to pay out regularly to cover a regular commitment such as school or university fees.
Before getting into the details of what information is available to research for certain types of investments, deciding exactly what type of investment is right for you should be the very first piece of research you do.