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What to do now.
After following the information on this board I invested last year's ISA in VLS80, and now have half of this year's allowance in the Woodford Patient Fund. I was going to put the rest of this years allowance straight into more VLS, but am now wondering if I should start to purchase some L&G multi6. I realise that I am not…
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Problem with a fixed rate deposit savings account
Hello Everyone I'm looking for some help. My nephew invested £18,508.38 in a three year fixed rate deposit account with a compound interest rate of 4.25% per annum he is a non tax payer so no tax would be deducted from the interest earned.The account has now matured and he and the bank have a different maturity amount. The…
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Easy way to sell Lloyds shares
I have just received a Lloyds shareholder statement and waded thru info about a proposed change of provider. The shares are minimal and I wish to withdraw from the transfer to Equiniti FS. I need to write and will receive a share certificate, I will then have to sell it, This seems a hell of lot of work for such small…
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Well, would you believe it!
I have an account with X-O with various ETFs in. Recently, a dividend came in from my Vanguard Developed Europe ex UK ETF which is denominated in euros. X-O's bank converted it to £s and it was paid into my X-O account. So far so good and that is what has happened on all other dividends on all other ETFs. (VERX is new to…
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Use savings or extend mortgage?
Hi there, I inherited some money from my late father a few years ago. Some was just in savings accounts, some was in a St James Place ISA fund. The ISA fund has grown from £24 to £38K which to me seems to be a good return (I know nothing about investing) I am about to remortage my house for £170K as we are out of our fixed…
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No middle name!
I have noticed what seems to be a new trend, where no middle name is provided, banks are addressing me with 2 first names, so: instead of First Last, my name appears as First First Last. I thought it was an anomaly with 1 bank (Lloyds), but I notice Barclays are doing the same. Older statements from Lloyds prove it wasn't…
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Overpay mortgage or....
If I have a mortgage of circa £102,000 payable over 18 years @ 3.79% (£652 per month), but had a variable income with which the mortgage was paid giving me between £800 and £1200, what would my best choice for servicing this debt be? (I get overtime most months, £800 is assuming no OT, £1200 is a good month.) I could…
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Moving off VLS 80 for a long-term plan
I have a Vanguard LifeStrategy 80 but it's worrying me. This is my general investment situation: I'm investing about £450 per month. My timeline is 25 years minimum. Currently have a small fry portfolio valued at just under £8k, entirely in the VLS 80, within a NISA. It matches my risk profile and it is up 11% since I…
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Splitting and transferring ISA
I've not paid anything into any ISA so far this tax year, 2015/16. I currently have one ISA with bank A. I want to transfer a portion of this to an Easy Access ISA with bank B, for use later in 2015, along with a bit extra for emergencies. The remainder from bank A will be transferred into a 3 year fixed rate account at…
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Turning loan notes issued by my company into cash
I got a call from my company a couple of years ago that they were selling out and they bought my ownership out for a combination of cash and loan notes. So 60% was paid up in cash and 40% issued as loan notes to avoid going into capital gains tax. Not a huge sum of cash but welcome. Now I have a two year old bit of paper…
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65+ Guaranteed Growth Bonds
I have just asked to cash in my £500 investment bought on 16 January and have been informed there is a £78 penalty - which is more than the interest earned over the 3 years. I thought it would be 90 days interest. Not cashed it in yet. :(
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ISA question?
Can I invest this years allowance into Coventry ISA 2.25% and transfer in an old ISA to Santander? 2.0% or would it be classed as opening 2 ISA's?
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Is a Financial Adviser worthwhile for investments (and when)?
Hi, As a general rule, I don't pay for financial advice. If one account pays 3% and another account pays 2%, I know which one is better. I don't need someone else to tell me that. The most recent time I used an adviser was for a mortgage application. I told him approximately how much I wanted to borrow and the purchase…
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Strange activity on my Fidelity account
Very strange - I just logged into my Fidelity account and saw two things: £4,000 in HMRC tax relief has been credited to my SIPP today. Also, today a £4,000 order purchasing AXA Framlington Biotech Fund Z Acc is showing. It's showing as Purchase Pending. (also my SIPP account) It's strange because I didn't place an order…
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premium bonds
Hi I have just found out someone bought me premium bonds when I was born, they have now passed away so I don't have any details, I do know that the bonds were in my name, could anybody tell me how and if I can trace them. Thank you Debbie
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Do multiple current accounts impact your credit score?
Hi all, First post from me so please be gentle.. I am currently saving everything I have towards a house deposit and am eagerly awaiting the new ISAs in August. I'm living incredibly frugally so am managing to save a decent amount at the moment (~1k/month) Without the option of a full cash ISA this year, I'm putting my…
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standard life uk smaller cos investment trust
Any views on this seems to be going nowhere at the moment?
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Question on Fixed Rate Savings: Can I add money each month?
Hi All and thanks for having me at the MSE Forums! This is a basic question, so basic that I think that none of the great guides on the site have expended the effort to mention it (perhaps it is a given, like how one needs to breathe in and out in order to survive). I am really new to world of saving after climbing my way…
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TSB Share offer
TSB have agreed a takeover bid from a Spanish bank and all shareholders have been offered £3.40 per share. my choices are 1. take the offer or 2. do nothing and do not participate in the offer. Any advice on what I should do or can anyone tell me what will happen if I do nothing.
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Shouldn't everyone who hasn't a clue receive 6 - 9% tax free on their investments ?
I have in the last few days been looking at some family investments which no-one in the family has a clue about including the family members that made them ! They know they receive "stuff" through the post, and they know to the nearest £50,000 (1/3rd of current value) roughly what their investments ("ISAs or PEPs or…
