-
Trimming my portfolio & adding wealth preservation funds?
The largest holdings in my portfolio currently are HSBC Global Balanced at around £59k & Vanguard LS 60 at around £77k. I also have a further £50k+ invested across 10 other active funds. Some of my smaller holdings have done very well indeed of late, but as I'm retired I'm wondering if I should start to think of a wealth…
-
Switching
Hi i have a current account with Santander 123. Rate has just been cut so wondering whether to switch to an account like virgin? I’m hoping to get a mortgage in 2 years so will switching at this stage look bad for me? Also I have 2 accounts for my children with Santander. Should I leave those and if not how easy is it to…
-
Baillie Gifford - have you missed the boat?
Investors who held global or American Baillie Gifford funds
during the last year will be congratulating themselves. Those (of us) who didn't
may be wondering if we have missed the boat. My own take is that given the last year brought forward the
speed of growth of technological stocks, it demonstrated that BG invested…
-
Global Tracker - Methodology and questions
Hey guys, I have selected what I think is the most appropriate global
tracker for me, however, I’d appreciate some input on my selection criteria,
which is heavily influenced by Monevator. I’ve also got some questions on this
methodology. TLDR: I chose this fund: HSCB FTSE All World Index Fund. Questions: 1. Any flaws in…
-
50000
Hi I got 50000 I want to invest to get some gains back what do you recommend thanks
-
Best place for an Emergency fund
Trying to build up an Emergency fund of £1,000, currently have £600,00 thanks to a tax rebate and a bit I have managed to save up. On a low income, so can save £100 or a tad more per month, working on £25/£30 a week. I get paid weekly I noticed today my Halifax reg saver 2% has ran out and cannot seem to work out what…
-
Savings capital vs interest-advice needed
I've invested some spare funds into an eToro account (copying the most established investors) and have also been topping up monthly for about 6 months. Currently I'm hovering close to 10% interest in total, obviously it's very changeable based on the nature of the platform. This is already up to 10x what I'd get from any…
-
Has anyone managed to get through to NS&I recently?
I've been trying to call them for days on end. They've got some of my money stuck in a 'pending' state, it's been like that for two months. I need that money soon for a house purchase! I have no idea how else to contact them other than by phone, which they never answer.
-
Learning about Stocks & Shares
Hi All, I'm reasonably good with managing my finances (always room for improvement), however, I know little to nothing about S&S's. My 2021 resolution has been to learn about S&S's and I have a few weeks off work, where do I start? I'm also keen to dip my toe into the pool so I'm eager to know how to do this. Any…
-
Hedge funds
I have limited to zero knowledge of these. I understand that high net worth individuals will pay significant annual percentages of their investment to the hedge fund manager (2-3%), and you need a very high amount to be able to enter. Meanwhile, for more regular investors, it is very common on here to argue that they are…
-
Alternatives to Morningstar X-ray ....?
I and my wife have investments spanning about a dozen wrappers: SIPPs, personal pensions ISAs, dealing accounts etc. Some, eg AJ Bell, provide a view across the assets in any one account, but even that's not that useful when between us we have 5 accounts with them. If I want to see the asset allocation of our entire…
-
Interactive Investor transfer from Trading account to SIPP - net or gross?
I have just made a transfer from my ii Trading account to SIPP and it did not ask me - as it does when paying in cash from my bank - whether it is a net or gross payments, ie whether they should claim basic rate tax from HMRC. Does anyone have experience of how this contribution is treated? I have emailed a secure message…
-
LISA payments
Hi, I’d just like to confirm the following please. I paid £2k into my LISA earlier in the tax year with Moneybox. I’ve since transferred this LISA to a S&S LISA on the AJ Bell platform. Am I ok to pay the remaining £2k of my allowance into it without falling foul of any rules? Thanks DH
-
`Carry forward` contributions from previous 3 tax years
Hi, I am a new member and this is my first post. My question is in regards to carry forward rules to pay into pensions using last 3 tax years unused allowances. I have £14,038 gross allowances to carry forward, but have no `relevant earnings` in this current tax year(2020/21) as I live off rental income from property. My…
-
NS+I delays
This is my first post so I apologise if I don't get it right. I applied by post in Dec.2020 to close my Income Bond A/C and it is showing in the pending section as dated 7.12.2020 so I know the form has been received. I also know that my linked A/C details are correct as I have transferred money in the past and my £50…
-
Ongoing Charge v Ongoing Cost
Can anyone explain for me please the difference between Ongoing Charge and Ongoing Costs? For example in this popular Fund https://www.youinvest.co.uk/market-research/LSE:AGT?tab=11&SecurityToken=E0GBR00R16%5D21%5D0%5DCEEXG%24XLON_4158&Id=E0GBR00R16&ClientFund=0&CurrencyId=GBP&ms-redirect-path=%2F1c6qh1t6k9default.aspx ...…
-
Vanguard S&S ISA - can it be opened without a cash deposit?
Hi, I am looking into opening a Vanguard S&S ISA, to transfer some old tax years' money into. I do already have a S&S ISA which was opened in a previous tax year (I haven't opened another one in this tax year), but have contributed some money into it already as a £100 a month recurring investment, so I couldn't put 'new…
-
Trading 212
I’m currently with HL.co.uk but looking at trading212 and their zero fees is very appealing. My question is how safe are they compared to the rest?
-
Selling shares with a certificate
Hi Everyone Firstly I'd like to apologise as I am sure this will have been covered already, but I am not very good when it comes to things like this so I thought I'd ask anyway :) I have some shares on a certificate that I would like to sell. These are shares that I bought through a share save scheme at work. When I was…
-
USD savings account with full FSCS protection
An unusual offering for the UK market - easy-access USD Savings Vaults, interest rates 0.4% to 0.65% AER. https://www.finextra.com/pressarticle/85774/revolut-rolls-out-usd-savings-vault-for-uk-customers