-
VanGuard LifeStrategy
Hi All, How do people view VLS as an investment now? To me, It still seems to have good diversity. Certainly seemed 'flavour of the month' looking back at posts dated 2013 but would it still be a good choice today? Im looking to tuck 3k away for at least 5 years that needs little attention from me. I'll likely be going for…
-
Investments for beginner, what fund to choose and how many?
Hi guys need some advice, please. Well I wanted to start investing small amount of money every month. I'm 27 Was thinking to go with funds and open my account on cavernish online. Recently read about Vanguard 80% and in 10 years time would that be medium risk or should I try with 60 % of shares? What second or third fund…
-
Tesco Bank - Linked Accounts
Hi folks, I have a Tesco Bank savings account which I use for DDs (DDs going into it). I wanted to set-up a new DD last week, but I was prevented from adding a new linked bank account online - I got some sort of error message. Today, I got a letter though the post saying that I needed to send a bank statement of the…
-
Saving 2k per month - where to put it?
Where is the best place to put 2k per month, if I need to use it within 1 year (mortgage application aiming for March 2016)? I currently have 9k in a 1% regular account. Is a regular savings account my only option? I've never had this amount of money to save before so am clueless. Also - do banks look unfavorably upon you…
-
tax liability for housewife for my savings
My wife is a housewife and has no income. I was planning to open a Santander 123 current account in her name alone. We already have a joint account in the same with an amount of £20000. I understand the tax liability is split evenly (50%) between the 2 of us (so £10000 for each of us). Now, I wish to transfer another…
-
Executor - investing an 'Adult' trust fund
I am an Executor of a will and one of the beneficiaries has to have his money held in trust until he is 25. He is currently 21. I wanted a low risk approach and thought I would just put it in a 3 year bond with a Building Society but ... I have been in a few building societies and they don't do 'Adult' trust accounts. Any…
-
Managed Funds
Can anyone give me their best guestimate as to what rates have been achieved by "managed funds" over the past 5 or so years? I have a pension pot of circa £300k and would like to go down the route of investing this and taking say £30k a year as opposed to going down the annuity route
-
Day Trading advice needed
Hi all, i'm new to the idea of trading stocks and shares and am looking to take it up soon. I have a couple of questions: 1) I am planning on trading starting with around £5-10k but i will be looking to add to that from several other investments i will be cashing in on and am planning to do day trading so i could…
-
Review target asset allocation
Hi All, My plan is to save a huge chunk of money each year in order to retire in 12 years time when I'll be 45. I am aware that there are many variables and that my plans might have to change completely (e.g. if they change the pension) but would like a review of my current planned asset allocation. If everything goes…
-
New Charter Savings Bank Sort Code
Why when I search for the new Charter Savings Bank Sort Code 20-19-90 why does it say it's Barclays? Thanks.
-
Where would you invest 90K?
Where would you invest 90K?
-
Start to invest?
Hello, so I was just able to save some money, and now I am looking for some ways to invest and earn a little bit from this part. At the moment Im looking to invest about €1000, and have been lately looking at p2p lending and crowd investing. Looking for low risk investments so Id be happy with lower earnings. What would be…
-
P2P Global Investments
Just been looking at the P2P Global investments prospectus. Just wondered if anyone else had come across this company and had any views of the IPO. Good Luck all.
-
Higher savings rates abroad
An Indian colleague at work keeps saying he puts his savings into accounts in India because the rates there are much higher, 4%+ at the moment. As he is Indian and has a house there, I'm assuming it's Indian money he's talking about, but he's suggested I put some of my savings there as well. I know there's exchange rate…
-
£5000 interest tax free on earnings below £11,000
I saw nothing in the budget on this. Also, in introducing the £5K div allowance the Chancellor said £17K of earnings can now be tax free. That should be £22K if the savings and divs allowances are combined with the new £11K income allowance (plus 1K savings allowance for all). Anyone know if the saving allowance has been…
-
Clean vs non-clean tracker funds
I've been drip-feeding into an HSBC FTSE All-Share fund in an ISA for several years, bought via HSBC, who I have my current account with. Most of my contributions are in the non-clean "HSBC FTSE All-Share Index Fund (A)", but having recently changed my monthly contributions, all future money will go into the clean "HSBC…
-
Euro investment account
Hi, I am about to receive a €40,000 gift from my father who has sold a property abroad. I'll be receiving the money in Euros, but I live in the UK. As the exchange rate is poor I don't want to convert it back into £. Even the best Euro savings account is only paying 0.65%, so I want to invest it rather than save it. Does…
-
Reclaiming money paid into old closed account
Closed Barclays in Feb 2015 and joined Nationwide. Just realised that Barclays have re started a standing order and have been taking money since March. How do I go about getting this money back?:mad::mad:
-
Finding REALLY old shares??
My dad bought shares in 1963 and 1964 in Reserves Securities Trust Limited (an investment trust or a unit trust I imagine). The registrars back then on the share certificate were Minster Trust Group Services Ltd. I have failed to find out what happened to "Reserves Securities Trust Limited". I assume it was long ago…
-
'U.S. rates due to be raised this year'
Hope for us savers that the BoE will follow and then the UK institutions will follow too? Have I been drinking too much? http://www.bbc.co.uk/news/business-33488250
