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Would anyone please kindly help sort my savings out?
I'm short on time with running around after two small children, one of whom does not sleep well so I'm also v tired and braindead :p ! I have no time to "pop in to speak to someone" (bank? IFA?) about all this so I'm being lazy and asking you guys to help me out with a savings plan please. Here's my current info: ***All of…
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buying in a falling market
I have read a few posts about people buying more stocks as the markets are falling to bag a bargain. Are these people: 1) selling on day 1 and buying on day x, where x is greater than 1? 2) not selling at all. Just buying. 3) both. Some doing 1 and some doing two
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time taken to move funds
How long does it take a provider to swap funds? For example, if I wanted to move from fund a to fund b online, then how long does it take a company like friends life or Aviva to do this? Is it usually at 12pm the following day?
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Group Bank Account
Hello Looking for some advice on setting up a free back account for a group of 4-5 people to pay a small amount of money per month into for fees. ( probably 15 Max month ) Need joint access for at least 2 people Thanks Ian.
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Late father's shares in dissolved company
My father died last year and I have been trying (unsuccessfully) to get information about some shares that he held. He was a director of company and held a large amount of shares. According to their annual accounts, he was listed as a shareholder whilst a director in 1990. He resigned in 1991 but did not sell his shares.…
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Understanding my tax code's savings interest component
I was not a taxpayer last year, and I received gross interest on savings. So I took advantage of transferring some of my allowance to my partner this April. A new tax coding arrived today - 424N, worked out as follows Your personal allowance £10600 state pension/benefits -£3419 gross interest -£1874 PA transferred to…
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Savings Rate
I have seen various references to a nominal "savings rate" on here and on other sites. By this I am referring to comments such as "I save 50% of my salary" or similar. I started to wonder what ours was but wasn't sure how to avoid adding apples to pears. So my question is how do I bring everything back to a level playing…
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easy access interest account
Hi, can't seems to find the right account for my needs. I am selling a second house, need to deposit the money into an account for a few months until, re -motgaging & paying off some of my current mortgage, pay off some debits & help out my four kids with deposit to buy their first homes. This might take between now and…
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Did I buy too high?
Hi all, Bought a European fund a few weeks ago which was doing quite well until the crash last week. Is it wise to just keep my holding through this correction (my investment aim is long term) rather than get out now?
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Why isn't anyone panicing?
After the markets are heading down the south like sherman I'm surprised I'm not seeing more concern on the forums. I was just on the verge of dumping £10,000 into a fund last week and then the market just crashed. It's made me think twice about investing but then again I'm kind of thinking let it drop a bit more and then…
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Which FTSE 100 tracker
With the FTSE having fallen substantially over the last wee while, I am contemplating putting approx. £10k in to a FTSE 100 tracker as part of a wider portfolio. I have looked online, but can't see any stand out winners at the minute, does anyone have one they would recommend? Thanks
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Lost Allowance on Fixed Rate ISA
I opened a Virgin Fixed Rate ISA with an initial deposit of £500 and also transfered in a previous ISA. Now find I cannot top-up and use my remaining allowance as the is a 30 day limit. Yes I should have seen it but I dont believe it was clear enough. So Virgin have effectively robbed me of £14740 of my 2015 allowance.…
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90k for 3 years what to do?
Hi all I am due to inherit a sum of money in the not to distant future once probate is done. I am conservatively saying 90k after solicitors cost tax etc. Might be a bit more. I potentially have this sum for 3 years and as I have no experience in investing or saving I am wondering what on earth I do with it (Other than…
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Vanguard LifeStrategy, Bear Markets and Delays?
Hi all. a quick question regarding multi-tracker / bonds integrating product like Vanguard LifeStrategy: Since most markets have been on a high for quite a while, I have been waiting for a bear market to start investing. Background is that a few years ago my parents started investing into a bull market, which crashed and…
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Become more cautious?
I have a few pensions plans that have varying degrees of risk. Like everyone else I have read hype from the press recently: http://www.infowars.com/this-2-day-stock-market-crash-was-larger-than-any-1-day-stock-market-crash-in-u-s-history/ Is is possible to hold your pension as cash? I am not "panicking" here. I have just…
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Guaranteed Growth Plan - Executor Complaint - help please!
Hi I would be grateful if anyone can offer advice. I am an executor of my mother's estate. She had a guaranteed growth plan (16) with Santander. They are unable to give me any of the key facts re this growth plan as 'they don't keep them'!! The title of the investment implies that there should not be a huge drop in the…
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Should I Buy to Let or Just Keep Saving/Investing?
I'm currently in two minds about a savings and investment issue and thought I'd turn to this knowledgeable community for some input. :) I'm currently living with my parents, and I'm absolutely fine with that; I have my own space, can come and go as I please and don't have to pay a penny towards the running of the house - I…
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What to do with Mothers savings?
My father past away a little while ago and my mum has not quite been with it since and is being checked for possible dementia. She owns her own house and does have a daughter still living at home with her. Her savings are in the region of 60K. My concerns are her health and what the government may take if she eventually…
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About seeking financial advice
I'm a novice. Is it true that a) if asking for advice on what to do with your savings from your bank, the staff will give you advice based on what is best for the bank, not you, and b) it is pointless asking anyone what shares to buy as they are not going to give away their secrets?
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BT shares...
Does anyone have an opinion on how BT as a whole may preform in the next 3-5 years reason I ask is I have started working for plusnet who are owned by BT and am able to buy shares at a 20% reduction on the current price when I join the scheme. would you invest in this regardless or should I look or ask for opinions on BT's…
