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I don't understand why people can't be bothered!
The number of people I talk to at work, old and young, who can't be bothered to just do some very simple investment or savings decisions always astounds me. For example, many years ago I started a cash ISA, made me £90 tax free interest that year. So I saved myself £18 in tax. My mates all laughed at me. Said it was a…
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What's the best long term way to save for my child
Hello All, I need some advice. I want to start saving for my newborn, I would like to put away £100 a month until he is 18 or 20ish. I have looked at junior ISAs, Premium bonds and Young saver accounts but can't decide which would suit my specific needs best and if I'm likley to encounter and pit falls. What do you think…
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Index Portfolio
Appreciate any comments on my portfolio. I have been investing for about 18 months. Current percentages: Holding name % of this portfolio Vanguard Emerging Markets Stock Indx Acc 20.6 Vanguard U.K. Government Bond Index Acc 17.32 Fidelity Index US Fund P-Acc 26.7 Vanguard FTSE Dev World ex UK Eq Ind Ac 9.84 Fidelity Index…
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Current Portfolio - any glaring problems ?
Dear All, I have been slowly ploughing money into my S&S ISA (held by the nice people at HL). To put it into some context: I am 50, have a DB Pension merrily growing (:j) and around £20K in cash and £5K in premium bonds. My S&S ISA has a value of around £25K as follows : Stock Holding% BP Plc Ordinary US$0.25 1.1%…
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Insight into the stock market
This is perhaps a question for the more financially advanced posters. I was recently looking at research on the stock market and noticed that the number of private investors (every day people as opposed to fund managers) investing in the London stock exchange have decreased significantly. In the '60s, over half of the…
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Income fund - what are the options?
Hi folks, I'm looking at add an income fund to my portfolio. The main two I'm aware of are.... http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/i/invesco-perpetual-high-income-accumulation-inclusive There's also a class Y? Whatever that is.…
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Halifax Young Saver Rate Decrease
I've received notification today that DD1's YS account will reduce to 2.25% gross/AER on balances of £1-£20k from 12th Jan. No notification for DD2 though! I expect it's imminent.
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I just don't know where to start...
Hi all, I'm hoping someone can give me some guidance, as I stated above I just don't know where to start right now. I am looking to start saving for a deposit on a house. Therefore originally I looked at opening a first time buyer ISA when they arrive. However, I believe you can only save a maximum of £200 a month with…
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What happens to Sharesaves after redundancy
Hello I have 4 sharesaves open with the company that has recently made me redundant. I was told I would be contacted with advice regarding what would happen with those. Instead I have a letter saying I have missed contributions (obviously as they came from payroll), but my options are not clear. It mentions automatically…
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Property Loan Notes
Like many savers/investors I've been looking around for opportunities to get a better return than the banks are offering. I'm already "cashed out" on high rate current accounts. I've come across Property Loan Notes that are offering between 8-12% with minimum of £10k investment. Is this a case of "If it looks to good to be…
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Buyer beware.
How not to do it, a salutary tale. http://boards.fool.co.uk/regular-readers-will-no-doubt-recall-the-wonders-13290409.aspx?sort=postdate Edit: as this particular example was an investment from a SIPP, maybe it's in the wrong area of the board.
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Advice on what to do with my savings
Hello, I’m looking for some advice with regards to the best bank account(s) and I understand from this site that the best way to do this maybe with multiple high interest current accounts. Here’s some back ground information about me:* I am 26 years old * I live in Scotland. * I earn roughly £2,100 take home per month. * I…
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Sharesave
Hi all, I have managed to saved £900 over the last 3 years through the SAYE scheme. I worked out that with an exercise price of 2.045 per share I should be able to buy 440 shares. However when I follow the instructions and go to the website and choose to buy the shares the maximum it will allow is 398 shares. I appreciate…
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cash isa transfer
Hello everyone anyway hope someone can help me with isa question .This year i opened a new instanst barclays isa paid in 100 pounds plus transfered an isa from a previous year into it,the rate has dropped now so i am wondering what my options are? can i transfer all of this into another isa and still be able to pay 15140…
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Is a SIPP with AJ Bell (Youinvest) worth an extra £100 a year over iWeb/Halifax?
The ability to also deal shares (international and UK) as well as funds and the low flat (or capped) fees make these most appealing for my SIPP. iWeb/Halifax maximum cost is 45 per quarter, so 180. AJ Bell maximum is 25 per quarter and 0.2% on funds capped at 200 per year, so 300. iWeb is owned by Halifax with very little…
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Footballers face £100m meltdown
So, a few mega-rich footballers were advised to invest in film schemes and property ventures are facing total losses of £100m. They were advised by financial advisors from Kingsbridge Asset Managers, who earned more than £5m in commission to set up the investments. So who is at fault here? The footballers say they feel…
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HSBC Loyalty Cash ISA Savings rate reduction
Ah I just received a letter informing me the HSBC Loyalty Cash ISA is reducing its rate by 0.20% AER across all customers with effect from 11 January 2016.. HSBC Premier 1.50% AER-->1.30% AER. HSBC Advance 1.40% AER --> 1.20% AER Standard customers 1.30% AER --> 1.10% AER. Sneaky tactics from HSBC there, after attracting…
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Help To Buy ISA - Cash Buyer
Official MSE Insert: You may also find our fully researched Help to Buy ISA guide helpful. Back to the original post... Apologies if this has been covered elsewhere. Can the Help To Buy ISA be used by someone (FTB) purchasing a property with cash, or is it only possible with a mortgage? Thanks
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Community renewables investment schemes - size of risks?
Hello, I'm considering in investing in a couple of community renewables schemes, where capital is used to do things like install solar panels on school roofs and gain income from the electricity produced, and such like. Investors in these schemes are eligible for EIS tax relief up to the end of this month (30% of the…
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Impact of interest rates rises on gilts
I'm considering reducing the equity content of my portfolio for a couple of years. I've ridden my luck for six years with equity funds and etfs, and want to go onto a more defensive posture. If I go for a less volatile investment like "iShares Core UK Gilts UCITS ETF", tracking gilts, I'm take a risk on interest rates…
