If you’d invested in: Persimmon and Centrica

Persimmon is the UK’s second-largest housebuilder. In November, it said the total sales rate per site for the third quarter was in line with the same period last year.

If only...

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Persimmon (LSE: PSN) is the UK's second-largest housebuilder. In November, it said the total sales rate per site for the third quarter was in line with the same period last year, although it reported £909m of forward sales reserved beyond 2017, an increase of 10% on the same period last year.

The government's help-to-buy equity loan scheme, which allows people to buy newly built homes with deposits of only 5%, has been used in more than half of the firm's sales.

Be glad you didn't

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Centrica (LSE: CNA) provides energy for homes and businesses. Its shares have fallen by 57% over the past four years. In October, it announced a restructuring the management plans to reallocate £1.5bn of resources from asset businesses to customer-facing businesses by 2020. In November, it also acquired REstore, a firm that manages electricity demand for heavy energy users, for £62m.

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Alice grew up in Stockholm and studied at the University of the Arts London, where she gained a first-class BA in Journalism. She has written for several publications in Stockholm and London, and joined MoneyWeek in 2017. 

Alice is now Consumer Editor at The Sun and covers everything from energy bills to Social Security.