-
Vanguard Dynamic Asset Allocation
I have come across Dynamic Asset Allocation as explained here: http://imarketsignals.com/2014/how-good-are-vanguards-lifestrategy-funds/. I understand that this means switching between two funds: http://www.trustnet.com/Factsheets/Factsheet.aspx?fundCode=ACFDT…
-
Savings and general financial help
Hi all, long time lurker and first time poster, I am hoping for some advice about savings and my current financial status. I apologise if this is quite a long post, and thanks in advance for reading it and any help or comments! Myself and my partner are in our early to mid 30's and are finally in a position to start saving…
-
Most effective way of saving?
Hello everyone. After a long and arduous road, I am now debt-free (well, minus the car and mortgage!) and I have a little nest egg of a few thousand squirrelled away in a Santander account that is paying very little interest. I was just wondering if there's a smarter way of adding interest to my savings? Is there a…
-
Investing 20k
Hey guys! I have around £20,000 cash in my savings account, earning a paltry amount of interest. I was wondering if anyone knew of a good way to get better returns? I would love to get something like 5% annually. - I am a low risk investor (But not a no-risk one). - I am willing to wait for a few years (2 or 3), before…
-
Mixing ISAs and SIPPS for early retirement
Hi all, I am not a regular poster but have posted before about my intention to retire early. My circumstances (and the pension rules) have changed and I think I need to get my head around SIPPS. Not sure if this should be on the pensions/retirement board? I'm 35, single no kids, homeowner with 50% LTV mortgage fixed at…
-
How do you isentify passive funds?
I am relatively new to investing. I have looked at the Hargreaves and Landsdown funds and the advice for new investors is to invest in passive funds rather than active funds.How do you identify passive funds? Do they all have the word: "index" in the name? For example this one:…
-
Moneyweek Gold Rampers?
Where have all the gold rampers gone? I'm missing them :D
-
Investing in an existing business
Hi guys, I'm looking at investing about 75k into an existing business for 7.5% equity. I've never done anything like this before. I've done a fair amount of research into the company and will be taking a position as a paid employee as well so can oversee the day to day running of the business. I'm not 100% sure about what…
-
Compounding interest on investments
Hey All, I have been fiddling about with another site compounding interest calculator. I'm nearly 31 years old, I will take my pension at 55. I have a SIPP. The value of the SIPP is 88k. Apparently, at 10 percent a year growth, the pension would be worth nearly a million pounds when I'm 55. Surely this can't be right? I…
-
Investing in Gold Question
Hi All, As the price is low I wanted to invest some money in physical gold. I have 2 questions: 1. Do i buy gold bars or gold coin? 2. Which make or design is best for investment I know ppl been saying Canadian Maple Leaf is the best for that but all comments welcomed. Thanks
-
Really basic advice needed on savings please.
Hi, I am very green on all things money saving and am embarrassed to say we have had the money for our extension £85000 in our current account for the last 6 months, I know not good. But now I want to be less daft and have come on here, I have just opened three santander current accounts ( one each for me and my husband…
-
Invested in something dodgy-ish but what can we do now?
Hi I am trying to help my stepfather who has the start of Parkinsons and dementia and is 88 now he used to be a keen investor. He wants me to help him simplify his investments and going through them it seems he bought into a lot of rubbish, whereas his previous investments went reasonably ok and were in known…
-
Forego dividends?
Apologies for potentially stupid question:o I've finally decided to transfer my Scottish Widows UK Tracker ISA to my S&S ISA with IWEB so I can add the cash to my VLS 100. The SW dividend dates are 31 May & 30 November. Is there any point delaying the transfer until after the ex div date, or do I just accept that I'm…
-
Questor - My worst investment
Not winging as am still well in profit overall :) But my shares in BHP Billiton are now down 41% :( I know I should know better than read Questor's tips, and I only followed this one, because I agreed with it at the time…
-
RCI Bank
They seem to be paying a sort of decent easy access rate of 1.65%,does any kind soul know anything about them?. It seems the car maker Renault is involved. cheers
-
Fidelity charges
Has anyone received this from Fidelity? When they say "no more than £45" how does this compare with the current 0.35%? Should I be concerned? I have some Police Mutual investments, but stopped these due to high charges and went with fidelity for low charges...welcome any feedback on this. Service fee This covers the costs…
-
Tracker?
I am totally new to investing in anything other than an ISA and would like to start off sensibly, while its an attractive option to pick some shares myself I don't have either enough money or the experience. I have been looking into trackers and I like the look of the one which tracks the S&P 500, do you think this is a…
-
how can i see investment prices
can someone let me know how to look at up to date prices of seedol BQQFXH8 possibly on a daily basis?
-
Birmingham midshires Slow Transfers
As the Birmingham Midshires Online Extra Issue 18 is listed at MSE on their list of top paying instant access accounts, I thought I'd post this warning. I opened an account a few days ago and found it takes 10 days until you can pay any money in using your linked account. I've opened loads of online accounts over recent…
-
paid off all my debt! yeahhhhh...now what?
I'm Gazz, I'm 26 and I've been in debt since 21....early midlife crises (don't ask). At the end of this month I'll have paid it off and I'll have a spare £1500-2000 a month that I'd have been use to shift off debt since I read this site and took my debt clearance seriously. now I'm debt free :D I have a sharesave and…
