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Long Term Investment Strategy
I must say this forum is very informative. I have learnt much by reading what people are doing and have done. Having spent the last year reading and dabbling in a few share investments. I am after thoughts on my plans for my portfolio. I know there are many on here who have far more knowledge than I do. In brief my wife…
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Investment trust discounts
I am a bit confused by the level of discounts on some investment trusts and wondering if anyone can enlighten me. I had assumed that they would be based on the popularity and performance of the trust however in some cases the trust seems to have had really good performance and is in a popular sector but has had a huge…
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offsetting investment losses
Hi, quick question about saving on the tax bill for this year. I invested some cash in a fund in 2010, it nose-dived and I'm currently down (we're talking hundreds of quid). Would it make sense to sell the fund now, to realise the losses which I can then offset against my tax bill for this year? Then I can buy the same…
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What records do I need to keep for unwrapped investments?
Hello All, 29 years old, self employed.. Just went to a LTD company, so I can take dividends tax efficiently. I have a lot of cash savings, pension maxed out, cash isa maxed and s&s Isa maxed. I was thinking of putting maybe 1000-2000 a month into an investment account as I have a bit of knowledge investing now Do I have…
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Student Loan Repayment Offset Savings Account
Hi, I am currently repaying my student loan at the standard rate which means well over £100 per month is disappearing from my pay packet. To make things balance up I could do with reducing that outgoing. I have a lump sum that is approximately half of the current student loan amount, however to repay it against the loan…
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Best way to invest 20k lump sum
Hello experienced investors. I have been sitting on roughly 20,000 of savings for a while now as I know nothing of investment so recently been preparing a plan. I am not sure the best way to invest it. I was thinking of diversifying it like so: 5,690 (full alllowance) into a cash ISA 6,000 into Stocks & shares / Funds with…
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Where should I put £100k for 9/10 months?
Hello My parents are giving us £100k that is intended to pay off the majority of our mortgage. However we are tied into a discounted product that ends on 30th November and the Early Repayment Fee is equal to what we would save so it is not worth us paying it off until then (although we can overpay by £500 per month without…
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Need help with strategy
Hello All, I am trying to come up with a strategy for the next few years. I am coming up to 28 (which totally depresses me!), earning 40k in london, i don't work in central London but around 45 minutes away... I currently rent a place and was thinking about buying a flat but realise this would be devastating to my future…
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Short term savings
My partner has remortgaged for £120k but it could be a month or two until the money is needed. My suggestion is to make it work for her but where is the best place to put for the best return, albeit for only a few months But where? Any suggestions?
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Axa self investor - Cunning plan or not for HL ISA escapees?
Axa self-investor have an offer for investors to pay no platform charges on their investment (funds) ISAs until 1st May 2015. After that it is something like 0.5% pa so expensive. The interesting bit is that they don't seem to have any exit fees. Just wondering if there is a possibility of free parking an ISA and then…
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Understanding stock dividends
Hello, newbie questions regarding dividends. I have read that in order to receive a stocks dividends you need to have shares with them by the record date. I am still unclear on this, surely you need to hold the stock for a whole year to gain its dividends? I mean lets say NEXT PLC announced their dividends record date for…
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Can I open an ISA in my daughter's name?
I have been saving for my daughter in a Baby Bond which has now matured. She knows nothing about it and I want to invest it until she is 21, she has just turned 18. Can I open an ISA in her name, or does it have to be in mine? Any advise would be greatly appreciated.
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I will teach you to be rich UK Version. HELP!
Hi all, I am currently making a bit of money so I bought the book with the idea that I could use that an moneysavingsexpert to make me some money. Now I am pretty new with investments and just most finance things. So the book mentioned tracker funds and lifecycles as a good way to invest, it is very US orientated even with…
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My current and future costs with HL
I'm trying to get an idea of what my current charges are with Hargreaves Lansdown. Hopefully this post will help others calculate their costs with H&L. I've used the clean funds provided by Charles Stanley's website to get an idea of the clean funds prices H&L will likley charge. I could be using the wrong class and HL…
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IT discounts and premiums
I thought people might find this useful, a list of all the Investment Trusts listed on the London Stock Exchange together with their prices and tangible book values so you can work out the discount/premium for each Main Market http://investingsidekick.com/investment-trusts-lse/ AIM…
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Should I be cheeky on this one?
Me and my flatmate opened an ISA each some time ago. Whilst his was opened without any problems there were a few issues with opening of mine. This has therefore resulted in mine being opened about 2 weeks later than his. At this time the bank has already lowered their ISA rates. They have however agreed to honor the old,…
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HL to III
OK I am thinking of moving from HL to III for my ISA. III have most but not all of my funds in HL. What happens if I do the transfer and if I leave my portfolio account in tact to the funds that III don't actually hold. Will they sell my funds and transfer it in cash. So if I hold 10 funds and III only have 8 what happens…
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The new annual charges on Tracker funds.. OUCH! (and Help??)
I have the majority of my investments in FTSE250 trackers. Many companies (including HL and HSBC where I have my trackers) are introducing significantly increased charges of up to 0.45% of my total fund value annually as a result of the FCA rules. While I can understand those charges for ACTIVELY managed funds, they are…
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High or low Fidelity? - RDR charges announced
Fidelity FundsNetwork are announcing their new charging structure tomorrow for non-advised investors according to the mainstream press. Hence I am setting up this thread. I wonder if it will be in line with their advised offering for ISAs and dealing accounts? If so that would be £45 flat charge across dealing and ISA…
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Investment Fees as a % of Drawdown Income
I never really bothered too much about investment fees until I actually retired and started drawing an income on drawdown. The sums seemed small compared with the size of my pot. Now I'm comparing them to the benefit provided I'm very bothered. My maximum pension (resulting from a recent GAD recalculation) from a £330k pot…
