Investor security

Online trading is generally very safe.

When you apply for an account you will be sent an ID and password, usually by registered post.

Online broker sites are encrypted to stop hackers gaining access to your personal information.

That said, you should store your own passwords and account details carefully.

Brokers' systems have broken down in the past and a huge surge in demand can cause delays, which are particularly frustrating if you need to deal quickly.

But the teething problems faced by many online brokers appear to have subsided in recent months. Most brokers realise that getting customer service right is just as important as providing cheap dealing rates.