Is crypto a scam or a solution? Will that pension plan deliver? And what exactly is a model portfolio? The world of personal savings and investment can be tricky and confusing - and it''s changing fast. But whether dabbling in the markets, jumping on the crypto bandwagon or simply safeguarding our pensions, we''re all investors now, whether we like it or not. We all need to understand how the markets really work. Fully updated for today''s shifting landscape, How to Invest offers a principles-based, keep-it-simple approach to help you make investment decisions that will make the most of your money.

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Peter Stanyer is an independent investment economist. He was previously chief investment officer of a US-based wealth management firm, a managing director at Merrill Lynch and investment director of the UK's Railways Pension Fund.

Masood Javaid is a former Senior Advisor to a large sovereign wealth fund. Prior to that, he held senior positions at Mercury Asset Management and Merrill Lynch.

Stephen Satchell is Economics Fellow at Trinity College Cambridge. He is also The Reader in Financial Econometrics (Emeritus) at Cambridge University and an Honorary Member of the Institute of Actuaries.