-
Decision
Hi I am looking for some advice I have a Friends Life flexible bond and a Legal & General ISA both are worth roughly the same amount I require some cash at the moment but cant decide which one to redeem I assume I would have to pay tax on the flexible bond but which one is best to keep ?
-
$50k in shares. Inheritance. Little experience. What to do?
Hi, I'm 20 years old and have inherited a $50K value in shares from my Grandpa. I have no experience with the share market other than the names of the share companies, the values and dividend payments. I'm a student studying Public Relations and Marketing which I have a real passion for. I have a sister who has an equal…
-
The 1,000 Day Challenge
Hi everyone! Everyone has a dream, right? My dream is this - to find a space where my young family can grow up in freedom, building dens in the woods and laughing through their childhood. There are lots of places like this out there but personal circumstances tie me to a small area where that is not only rare but comes…
-
Vanguard Life Strategy Costs
Huh? I have been looking more closely at the Vanguard Life Strategy Range and the fees for holding these funds can be quite competitive £10,000 the annual fee is £32 + £24 = £56 £10,000 in IP-HI through H&L is £125 a year. Am I seeing this right? If I am right then a significant saving can be made over a long term? I am…
-
Stocks & shares isa - help
I'm in the fortunate position of having just inherited £25k and want to invest it wisely. I have filled my cash isa allowance for this year but was thinking of taking out a s & s isa (but have no idea where to start) and just putting the rest into a savings account. I've no mortgage, not married and no dependents also not…
-
Credit rating
Unjustified Credit Rating I am having serious trouble getting a company to repair my credit rating. They claimed that I had missed two payments on a loan when in fact the loan had been paid in full. They are now refusing to write back to me and my credit rating still shows two missed payments. Can I do anything to put…
-
Which share dealing platform? What risks?
4 questions I would appreciate feedback on: 1. I have a FTSE tracker ISA and old PEP and a Unit Trust with a provider that charges 1%. With Hargreaves Lansdown I can get a much cheaper FTSE tracker. I also want to widen my investment portfolio further than just FTSE trackers, and have trackers and funds for global…
-
Invesco Perpetual Income fund
This always seems to be one of the most tipped medium risk funds, even though it is not particularly high in the performance charts. I have, however, been considering it but am confused regarding the difference between the 2 funds ( income and high income.) They appear virtually identical holdings / performance etc ?
-
Investing a legacy for a child not yet 18
My daughters have both been left £5000 in a will. The solicitors are sending me the money to invest on their behalf until they are 18. One will be 18 in just a few months but the other has three years to wait. What investments am I allowed to use?
-
Medium Risk Bond
Hi, first post so be nice to me. Hypothetical question, if you were to put £20k into a medium risk bond for 12 months what would your likely return be at the end of the year?
-
Vanguard extend ETF range
Vanguard have extended their ETF range see here. The new ETFs are:- FTSE Developed Europe UCITS ETF (TER 0.15%) FTSE Japan UCITS ETF (TER 0.19%) FTSE Developed Asia Pacific ex Japan UCITS ETF (TER 0.22%) FTSE All World High Dividend Yield UCITS ETF (TER 0.29%) Measured by TER alone all are as cheap as it gets (unless you…
-
Sell In May And Fly Away...
May is nearly over and June is upon us. What are your thoughts for Equities over the next 4 to 8 weeks?
-
Investment newbie confused already
Hi all, I've posted in the homeowners section but thought i'd ask here too. I won't bore you with long details but in essence next year i'll be buying my first home and deciding whether tpo have a short mortgage (5 years) or spread the payments leaving lots of money that could be invested i.e roughly £10k/year. I do get a…
-
best savings account
what is the best savings account (makes most money) for a unemployed person? need instant accses, not that im planning to withdraw from this savings account, must be fully serviceable online cheers
-
Is it worth opening a savings account for my daughter?
After carefully looking at what is on offer in the banking markets I'm stuck with the question 'Is it really worth saving for my daughter?' I've seen Halifax is doing a childrens ISA with 6.00% But as we all know why would the bank give this much compared to everyone elses 1.75% - 2.00% Is there a guide to these on MSE…
-
Investment Company to go with
Hello, Which investment company should I go with to invest money. I know fidelity but they have a 0.25% switching fee, so I am a little reluctant to go with them. I know of Hargreeves & Lansdown and Chelsea Financial services. I dont know of any others. Which one would be best and why. If you know of any others please…
-
How to cash shares - Day or good till date?
We are cashing in some shares that my wife received from where she works. We have logged on to the UBS website and it is asking under " Transaction type" the order duration. Choices are Day or Good till date ( max 90 days). I have googled it, but still don't understand. Thanks for any help.
-
ISA yeilds so low.. Is it worth it for Student saving?
Hi Guys, I was wondering as i have 6k in savings in a Cash ISA it used to pay 2.6% but my account holders only pay 1.9% now for some reason. Given that inflation has always been around 2.8% this looks like i am making a loss in the real value of my money. Considering i will also be putting another 5k in this year, what are…
-
Saving with the Co-Operative
I thought I should bring this to people's attention... Advice all over the internet, including from organisations such as Experian, several other banks and the likes, all say that applying for a savings account will not effect your credit rating. They will perform an "unrecorded query" just to check your identity and basic…
-
Standard Life Shares.
Edit: Reason I bumped this old thread was this: http://citywire.co.uk/wealth-manager...an-arm/a770196 So my initial OP below is no longer relevant until the above kicks in. Would now be a good time to sell? With the market overheating and the 100% increase in value? Just curious - will they continue to perform at such an…
