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18K Lump Sum Received - what to do?
Just wondering, any advise on what I should do after receiving 18K lump sum? Pay off the mortgage, invest in an ISA, put some away for the children? Help? Trying to find the best option possible.
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Binary Trading Platforms
Not sure if this is the right forum so fingers crossed - has anyone got experience of binary trading? OptionsClick, TopOption and BDSwiss are a few I've looked at with a view of trading currencies I'm curious to know the pluses and minuses of such trading and keenly how reputable these sites are? many thanks
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SAYE Scheme Effects on Mortgage Application?
Hi all, my company has announced a Save As You Earn Scheme which I am very interested in signing up for and saving a decent chunk of money in. The concern I have is that next year me and my girlfriend are looking to buy a house but we are concerned that this scheme might effect the amount of money we can borrow in an…
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Late Pension Boost
Hi, I'm 57 and in a fairly well paid job. I will retire at 67. I am in company money purchase pension scheme (MPP) and also pay £200/month into equity ISA (recommended by IFA). I have no mortgage, kids are in good jobs. I was looking at ways of boosting my retirement income and thought of taking out another private…
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General help needed on choosing a platform for shares/funds investment
Hi guys and girls. I'm looking to find out if the idea I have in my head is something that is possible with existing technology and service providers. I'd like to open an account with a single provider/broker that I can manage online, and have access to major stock markets, individual company shares, funds, etc. I am…
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Savings Advice Needed!
I have recently come into some money and want to know the best combination on getting the best interest. I have £28k. I am looking at changing my bank account to the Santander 123 but this only goes up to £20k. Not sure if the interest stops after the £20k? For the remainder, what would be the best account - or should this…
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is my portfolio ok ??.??
Hi to all,, first of all I, ll give a quick fill in to my situation,, I had invested before using a financial adviser , we invested through a platform and went with AXA wealth, I had 100k which he advised to split between 3 different funds,, F&C NAVIGATOR DISTRIBUTION C inc PREMIER MULTI-ASSET MONTHLY inc C INVESCO…
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Best ISA platform for REITs?
Hi, I currently have an iWeb account which is over the FSCS limit and as a result I'm considering opening another ISA to run alongside it. I'm particularly interested in REITs, but on some platforms (particularly ones which charge whenever you receive a dividend/income) it could work out to be quite costly. I love iWeb's…
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investment portfolio - fees too high?
I have £185,000 invested in a discretionary managed portfolio categorized as "cautious with risk" and avoiding some funds for ethical reasons. The portfolio has grown from £160,000 invested in February 2011. The portfolio comprises 26% bonds; 36% UK equities; 30% overseas equities; 5% property; 3% cash. Everything is in…
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santander bacs late payment or none
hi my wife has not been paid due friday 13nov checked accountant all been done correct phoned santander they said they had no problems but other santander customers had same problem re the accountants /paying in to bank bookwise said no one seems to be owning up and my wifes wages are in the air somewhere we have rent etc…
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CTF Query - Transfer?
Hi, My son has a CTF with Tesco which was taken over by Natwest a couple of years ago. I have read and heard about being able to transfer to an ISA but I am not sure if it's worth it or whether I should do it. Very confused. Advice welcome please.
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Help to buy & save to buy ISA's
I'm having difficulty in understanding these two, are you able to set up a help to buy ISA as well as creating a save to buy ISA and being able to contribute to both?
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Foreign shares within an ISA
I am thinking of purchasing a stock listed on the NYSE, and would like to do this within a S&S ISA (probably next tax year). As far as I understand, international shares are eligible to be held with an ISA, but an ISA must be held in sterling. This means that whatever platform I use will charge a currency conversion fee,…
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Advice for an investing beginner with inheritance
Owing to a recent inheritance I have a lump sum to invest, but I have no idea where to start. I have an S&S ISA which was set up for me by my parents many years ago, but this is managed by an IFA so I'm still very much an investing newbie in terms of how stock markets/shares/dividends work. I have some meetings with…
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Lloyds internet banking down????
Unable to perform any transactions on Lloyds internet banking at the moment. Anyone else having the same problem ? :( :( TIA
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£7,000 Premium bonds - what to do ?
I have about £7K of premium bonds, which I find disappointing. Should I cash them in and : a) pay £7K off a 2.4% mortgage (about £70K left) b) pay £7K into AVC's over the next few months (no AVCs at present, 40% tax payer)) c) add £7K to my S&S ISA (VLS 60 - about £25K at present) d) or something else .. ? Andrew
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Investment account charges
Unsure whether bank account or investment forum was appropriate. HSBC have just sent me a letter saying next year there is going to be a quarterly charge for the HSBC invest direct account, yet cost of trade is going down by about £2 per trade. Does anyone know of a provider with no yearly/quarterly/monthly account…
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company share schemes
Now working at a large insurance firm, they have various benefits on offer, though unsure which one to go for.. Either a matched share buy scheme (effectively half price, if you save a regular amount each month, ongoing).. or share save options - 3 or 5 year savings plan, with option to by company shares at a discounted…
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Advice about some shares please
Hi, in 1997 we bought £500 of shares. We had a letter some years ago converting these, they were penny shares? Sorry I don't understand this stuff as it was a one off purchase on a friends advice supposed to make a quick profit which didn't materialise!. Anyway, essentially we thought they were pretty much worthless and…
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£10k in savings a/c, £5k in ISA, poor interest- what to do?
I have had a savings account with Barclays forever and it currently has £10,000 in it. I also have a Cash ISA with Barclays with £5500 in it. Just realised that the savings account is paying 0.25% and the ISA 0.8%. I would like a higher return and will move the £10k to a higher rate current account elsewhere. Question is…
