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Vantage Life Strategy 20%
Hi all, I was wondering if any one knew about the tracking error for the Vantage Life Strategy 20% fund (or how to find out the tracking error?). I have already have a few other funds & investment trusts, most of which are equity funds, and I was trying to diversify it a bit by having more fixed interest. Many people are…
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Time to grow up
Hi guys, Abit about me....I currently live in Exeter with 2 flat mates, I have done for past 6 months. I pay £440 a month rent which includes, sky, wifi and all bills. My work is a 30 minute walk away, I work 9-5 Monday to Friday My parents live in a small village about 25 minute drive away. Renting to me is just dead…
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45k to invest/save
I have 45k at the moment which is sitting in santander's 123 account but it's only earning interest until 20k which is £40 a month after tax. I'm 21, earning £25k a year in London and renting (£650pm) with the potential to save up to £500 a month. I know there are 4 - 5% interest Account but some are only up to £2500 or…
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when your savings exceed your mortgage?
Just after some opinions/advice please. Our situation is a little complex so please bear with me! I own a property that I currently let out - rent covers the mortgage and £300 left over each month. I have just sold my inherited property now have a large amount of cash in the bank.(200k) The orginal plan was to keep to btl…
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Switching to cleaner clases
Is it worth me switching to cleaner class versions of some of my funds and investment trusts, housed within a ISA?I'm probably not getting a completely clear picture,as I'm comparing TER & OCF.The first figue shows the new charge and the next one the old. BLACKROCK NORTH AMERICAN EQUITY TRACKER Acc 0.17%(OCF) 0.51%(TER)…
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Asia Pa-ex japan equity fund?
Recommendations please? Currently have Aberdeen ISIN GB00B0XWNF82 but considering switching to something else? Not sure what the something else might be,,maybe multi asset which includes Asia/Pac exposure or bond fund.. ta
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Growing my money in my 20's
I'm in my early 20's and making around £50k with a rise to £75k coming up in the next 6months, I'm lucky that I have minimal expenses outside food and around £500 rent per month. This leaves me with a lot of spare cash sitting around in current account making no interest. I'm looking for sensible advice on where to invest…
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School fees
We are planning to put our children through private school. Child 1 from 2015 for 7 years - at least £80k Child 2 from 2018 for 7 years - at least £80k. We will partly fund this from income (joint income of £75k pa at present) but will need to borrow to fund the rest of it. We live in a house valued at £400k but only owe…
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Mis-sold ISA
Hi My Mum was contacted recently by Lloyds in connection to her Scottish Widows investment ISA she took out in 2010 (£7000) which she topped up in March and April of 2012 (£5.680 and £5320). She was not made aware that the money needed to be there for 5 to 10 years to get the best return. The options they have given her…
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Where to put Cash short term?
Hi I am in the process of buying a new home, as part of this process I will be collating money from various sources (ie Borrow-back on existing mortgate, Savings, Remortgaging existing property). I will have around £120,000 for around 2 months, and would like advice on what do with it. Are there any options that will give…
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Non-Resident in UK
I am now non-resident in the UK and have a fixed rate ISA maturing in a UK bank. Where do I save the money now? I would like to keep the money in the UK as corruption etc is endemic in Spain.
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10% ISA dividend tax
Hello, I have a stocks and shares ISA. I understand that although it's a tax efficient wrapper, dividends are taxed at 10% (not reclaimable since 2004) whilst interest from bonds are not. For non-taxpayers (i.e. income less than the Personal Allowance during financial year or non UK resident), is there a case for using an…
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Tesco Internet Saver
Hi, thinking of opening a Tesco Internet Saver, 1.35%, not much I know, but better than the 0.5% I'll be getting when my existing fixed rate ends. Does anyone know what 'certain information', they ask for? Please note: You can pay money into your account once your application is complete, but you will not be able to take…
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£100k to invest. Totally lost as to what to do.
Hi, Long story short, I know nothing about finance and have inherited about £100k. I've currently got it in my savings account which is earning about 1.5%. I don't need access to the £100k so can any one advise me what the best way to invest it is? Many thanks!
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how do you save money?
Well as a person just have a job. Coupons is my way to save money. Coupon for clothing, coupons for everything. So what is yours?
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Very old Debenham shares
I received a letter yesterday from Prosearch, about some Debenhams shares I had for years, but had forgotten about. Because I'm a natural cynic, and having read the thread about this company, I've already resolved to ignore the letter.... However...as the sum involved is enough to redo the decking, I think I ought to try…
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Are savings safe with Virgin Money if I owe money to Virgin Media
Hoping to get some clarification on this. I know that if you have savings with the same institution you have debts to they are entitled to take the savings to pay off the debts. Would the same apply if I had money saved with Virgin Money yet had a debt owed to Virgin Media? I had a bill dispute with Virgin Media a few…
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How can I make £18,000 work for me?
Hi, To set the scene - I am a single parent on a low wage, so I get tax credits to boost. Up until recently I was able to claim housing benefit (we live in private rented house). My grandfather passed away and I inherited £18,000. This means I can no longer claim any housing help. I know I can't , nor would I want to,…
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Investing advice for a noob
Hello, after reading this thread from another noob https://forums.moneysavingexpert.com/discussion/5003896 , I would appreciate your thoughts on a proposed investment. I have some money invested in HSBC FTSE All Share Index Class C - Accumulation and a bit more in Vanguard LifeStrategy 60% Equity Accumulation I was…
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Students savings - what is most prudent?
Hi all, By good fortune with part-time jobs and a low rent, I've been able to save up some money whilst being a university student. To make sure I don't spend it unnecessarily and for budgeting reasons, I'd like to move some of it out of my current account into some kind of saving account. The sum is likely to be a few…
