-
Portfolio clash
Is there room in the same portfolio for both woodford and fundsmith or is the UK overlap too great?
-
Impartial Financial (property related) advice
I moved abroad around 4.5 years ago and have just bought an apartment off plan. In order to do so, I extended my mortgage in London so that it is roughly 52% of the apartment's current value. I have taken a 25 year mortgage and the rental income is just about paying the monthly instalments. The mortgage is fairly large.…
-
Nationwide ISA - can't pay in!
-
Santander 123
I have the above current account and every month after my pensions are paid in I'm usually over the £20.000 limit on which interest is paid by about £2000,what is the best way to move this money out and best place to move it to.
-
ACN is a scam right?
I've been told about ACN (acneuro.co.uk) which sells products which seem poor value such as a £9.90 SIMO contract for a year that only gives you 400 mkns, 400 texts and 400mb! I'm right in saying no to this MLM (Pyramid scheme inspired) thing that wants £390 upfront! Aren't I?
-
Mortgage or share returns
I hope my question can be answered with a simple 'yes' or 'no because...'! I think I know the answer but... A BTL mortgage is £100,000 at 4% interest - £4,000 p.a. Assume that a stocks and shares tracker returns a long term average 6% growth. Assuming all income is taxed at 20% and no ISA, pension or tax free allowances…
-
Savings Bond - Closing Early - Urgent Advice
Hi all, I need some help and advice (legal if possible) regardng early closure of my Savings Bond. Background: Last December I opened up a Savings Bond for 4 years with a reputable online Company. It was for £5000. I read and understood the conditions that I would not be able to deposit further funds or make any…
-
ISA Shares - charges
-
20k saved, what to do now?!
I have 20k saved and I am wondering what is the best thing to do with it?! It is sat in an ISA but I want to know if there is something more productive I can be doing with it? Live with partner who has bought a house out right, so do not have rent or mortgage. I have thought about getting onto the property market to buy to…
-
Which current account?
Hi...I'm maxed out with ISAS....need to put as quite a lot somewhere. Seems current ac. is best place at the moment. I've looked at some but have quite low limits. What would be best? thanks.
-
Pending, Dealt, Settlement
Despite the user friendly nature of some of the online broker sites the process underneath seems very sluggish and antiquated. When I purchase something I like to have it there and then not 4/5 days time (in some cases longer). I realise in the long run such figures are irrelevant but they certainly impact upon my monthly…
-
Tax relief for invesments from "connected persons"
Hey all, I am in the process of fundraising for an early stage start-up company. My father is interested in investing a small amount but I understand that as he is defined as a "connected person" he is not eligible for the SEIS/EIS tax relief schemes unlike other third party investors (I own well over the 30% threshold).…
-
£250 a month to save/invest
Hi I am looking to put aside about £250 a month and am in the position to tie this money up long-term so was thinking a good option would be to invest it, possibly in a fund? Is this a realistic option and if so, how do I go about doing that? I have looked at monevator and a couple of investment companies (charles stanley…
-
Bequests and antemortem gifts
Hello, everybody, from a newcomer to the forums. I wonder whether anybody would be able to help me out with a family conundrum. Here is the situation: I am trying to help my mother sort of what to do with her money in terms of bequests and antemortem gifts. Her estate will not be large. She has savings, in the forum of…
-
Best ISA account for 2 - 3yrs
-
Heeelp!!! Icici have switched my account without telling me
Wonder if anyone can help me I have a fixed term bond with icici with 40000 in it It pais me 1332 each year It was due to pay out in oct ( or so i thought) Rang them and they said it had matured already and theyd out it in an easy access account I really thought it matured this year- sadly i have been busy caring for my…
-
Chaotic Saffron B.S. online statements
Is anybody else having problems with accessing coherent online statements?. We don't access this savings account on a daily basis but when we do it seems that the statement dates are not concurrent, some items are not listed in chronological order and some items don't appear at all. this isn't the first occasion on which…
-
Portfolio Comments Welcomed
This is my first post so please be gentle with me! My husband (61) and I (56) stopped work earlier this year and we have a sum of money to invest to supplement our pensions (which we are not yet drawing) and hopefully grow some capital. Originally we planned to (cash) buy a property to let, but have decided to invest our…
-
bm savings interest query
mse recommend bm savings Online Extra account from BM Savings* is the market leader, paying 1.6% AER on balances of more than £1,000. The rate includes a 1.1% bonus for a year, I have just gone through the link to open an account but there is no mention of a 1.1% bonus included - for £1000 + you get 1.35% gross aer - 1.08%…
-
Fred Dibnah Shares
I was wondering if someone could quickly have a look at this and tell me what they think, I was thinking of investing £250. http://www.freddibnahheritagecentre.com The information about the shares is on this page.
