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ISA options /transfer to new provider
Morning I am getting confused on the ISA rules so after some guidance please. I currently have a stocks and shares ISA with Nutmeg, which I’ve had for a few years and pay £100 p/m into it. Current balance is about £4K. I also have a cash ISA with Santander with a balance of £48k which is fixed at 2% and matures 1st July…
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70k in savings sat in a 0.5% account.
Just wondering if I can do any better. I have SIPP which has a lump sump in Vanguard shares. Thinking of opening a savings account with them and buying more of that product (as it's done extremely well!)Any suggestions or pitfalls here (tax point of view?Easy access would be useful but not essential as I already have a…
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Over 85k in savings, should I move to NS&I? Questions
Hi I understand this provider is backed by the treasury and money is protected 100% in the case of a collapse. Is it the right move to move the savings over the threshold there? Any drawbacks/gotchas with their saver account? Can I access my money at any time? Do they have physical branches? Can I use the money with no…
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Picking Funds
OK I know what fund is right for one person isn't right for the next...... So Im not going to ask what fund would people recommend!!!! But I do have a few questions as someone taking a first step into investments and only every had a Vanguard account but now have an EQI account for a Lisa (as they are the only people that…
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How safe are stocks?
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3594660 A bootstrap simulation analysis implies substantial uncertainty about long-horizon stock market outcomes, and we estimate a 12% chance that a diversified investor with a 30-year investment horizon will lose relative to inflation. The results contradict the…
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How to play the next year or so?
Just after some straight up advice really. Unfortunately split up with partner of 8 years recently so back to square one. Moving back in with my Dad as has kindly offered me to pay less rent until I find my feet again. My income is approx £1750 p/m. My total outgoings p/month will be approx £750 (£650 to him, £150…
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Kent Reliance 1 yr bond
Does anyone know if these are covered under the fscs and if so is it the £85000 on bonds the same as normal accounts?
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inherited shares
Hi, I am helping my parents sell their inherited shares. Please could someone recommend the best people or company to deal with sale of them... I've heard that Equiniti are not great to deal with? Thanks in advance
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Replacing ii Trading Account
Hi, I have a number of shares held and managed by ii (interactive investor). The cheapest account ii offer is £9.99 / month for a trading account. I never trade and I’m just looking for a cheap safe place for my shares (typical UK Blue Chips, BT, BP, Glaxo etc). £120 / year seems to be a lot to pay for this (and to be fair…
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SMT performance
Hi All, I'm think in right in saying that the year of inception for SMT is 2000. Can anyone point me to performance charts going back to this far The 10 year chart is obviously readily available. I maybe looking with my eyes shut. Many thanks.
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Longer Term Investments - Getting Started
Hello, Just looking for some guidance (useful reading) on getting started with stocks and shares. Bit of background:* Late thirties * Married * Dual income, no dependents * ~ £8k rainy day fund * Mortgage and one PCP arrangement aside, no outstanding debts * Both in company pension schemes We've now reached a position…
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Thinking of investing
Everyone wants to make a bit of money..... I believe investing is a bit of a risk but I thought I’d ask for advise on here first! Where is the best place to start? who and what would be a good target investment if I have £200? once invested I believe it could go up or down.... best way to leave the investment for at least…
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EquatePlus took over the Sharesave scheme where I work but seem to have 'lost' 2 month's payments
Hi My employer used to use Computershare for the sharesave scheme, but switched to EquatePlus and everyone's accounts are missing 2 monthly payments. I need to close my accounts as I need the cash, but don't want to end up 2 month's short. A rep from my employer has contacted them but it's been a while without update and I…
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Help me trim my portfolio, please.
New investor, 56yo, basic rate tax payer. When the banks started slashing their rates I decided to put my money elsewhere and so I dived into the markets head first just before the vaccines were announced, so decent timing. I really didn't have much of a clue what I was doing but I'm up around 15% through pure luck. I now…
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virgin money account needs app-didn't know.
Hi. after much toing and froing decided to change tsb current account for the new virgin account. what they don't tell you until after you done it is you need to down load the app. which is ok for most of you, but my phone was 10 yr old!. any way long story short, bought a new phone. and its fine. my question is, is there…
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US Listed and USD denominated stock in a SIPP?
I'm aware that you cannot hold USD denominated assets in an ISA. I am wondering about whether the same applies to SIPPS? What I have found online suggests this is possible but I am wary of making a costly mistake with this! Any thoughts or experience with this?
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Transaction time - OEIC
Hey guys, As my first jump into investing I used some of the money in my sons Fidelity Jisa, since no trading cost on funds etc if I decided to switch. I placed an order on Friday afternoon, admittedly after half four, for about 8 funds. Only one, the Fidelity one, has been purchased, the others are pending transactions.…
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IFA ongoing fee..Why pay?
I get why people go to a Financial Adviser initially, and I get why people may revisit when circumstances change, but why in the world pay an FA or IFA when the investment plan is ticking over? If there were to be a seismic event affecting financial mkts., your FA is likely to spew more dust than Krakatoa, but unlikely to…
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LISA type account
Hi I’m looking to open an account for my child is there an account similar to the life time ISA for children as a LISA is 18 and over.
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Making the most of remaining ISA allowance
Hi Everyone, I’m looking to invest the remainder of my ISA allowance (10k) this year into my Vanguard ISA, I currently invest in the LS80, LS100, FTSE ALL WORLD UCITS ETF and FTSE 100 UCITS ETF, I’m unsure whether to distribute the remaining amount amongst these or just select select one? I’d like to try and take advantage…