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John Baron's IT Portfolios
What do people think of John Baron's IT Portfolios? He publishes a monthly column in Investors Chronicle about his growth and income portfolios, and you can find three more portfolios described on his website. In particular his Winter portfolio is built for those wishing to preserve value. I was interested in your…
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Calculating Tax on savings in 2016
When calculating tax due after April 2016, do I subtract 16800 from my total taxable income (ie pension income +salary + savings income) and then pay 20% on any remaining balance). I would appreciate a simple explanation how to work out the tax after April 2016. Sorry - I already posted this on the ISA sub forum, (on the…
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Fixed ISA
Hi, sorry if I'm being stupid but here goes. I want to open a new ISA account. The best rate I've seen is 2.35 % with virgin money. This is fixed until 2021. My question is, is this like a fixed mortgage? Presumably by 2021 interest rates will rise and there will be better accounts. If I then wanted to change to a better…
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Does the Vanguard Lifestrategy include any property/REITs?
Hi, We were considering investing in REITs (probably the Vanguard international REIT fund and iShares UK property) but then wondered if we already held some through Vanguard LifeStrategy? I've looked at the holdings and it doesn't seem to, unless property just isn't in the top 10? How much would you guys recommend having…
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Investing for income
I am considering cashing in my Virgin Index Tracking ISA and then investing the money into either the City of London Investment Trust or The Merchants Trust (really not sure which one of those is the best, but they both look quite good) as I now need a bit more income rather than long term growth. Would this a good time to…
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Diversifying funds in SIPPS and ISAs
I started investing last year, first setting up an ISA, then a SIPP - VLS 60 for both. Is there any reason to choose a different multi-asset fund for each - perhaps shifting to drip-feed L&G Multi Index 5 for the SIPP? I'd like to continue with a passive approach, but wonder about any benefits to choosing a different (but…
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Pesky Direct Debits can I use...
AA car insurance and Corgi home insurance as 2 direct debits for santander 123 ? I was worried since the home insurance only comes out once a year, and AA insurance 4 times over the year so it may not poll with santander 123 as active direct debits or does it have to be like a monthly dd ? Thanks in advance
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Savings accounts for young children
I have two young children, aged 4 and a newborn. I would like to start putting some money away for them each month so they have a nest egg. The whole savings account thing seems a minefield, can anyone recommend a good one? Or should I open an ISA for each? Basically they don't need access to the money, and looking for a…
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Is Royal Dutch Shell B a stonking buy?
Royal Dutch Shell B shares currently yielding over 8% dividend. Share price well down form the peak. Even with rumoured dividend cut seen in the Mail on Sunday today, this looks great value to me. The divi hasn't been cut since 1945 which means when the prices of oil go back up we can expect a similar dividend rate to now.…
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Savings intetest rate decrease for certain accounts
I can see that every type of savings account has their interest cut except for the regular saver account. Nationwide is an example. Not that I'm complaining. Why do they cut interest rate for certain savings accounts and not all?
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TSB Monthly Saver problem
Ok so my DD Hasn't gone out to my TSB Monthly saver this month... Why is this??? Anyone else have this problem??
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save to buy v help to buy
my daughter currently has a NW save to buy account with approx. £12k, that pays 2% and gives access to a 5% mortgage. however it looks like the Halifax 4% net on a help to buy account gives a better deal when you included the 25% bonus from the Gov. but that account is a regular saver account so I assume she can transfer…
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2015 Isa
Hi Is their any ISAs out their that pay annual that I could open few days before end of year and then get interest tax free and close after 6th April?
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What investment strategy requires the least effort
Other than handing your money over to a wealth manager what investment strategy requires the least effort? I would say buy to let requires the most, and is high risk. Maximising interest from various banks is low risk, but still a bit of effort setting up direct debits and so on. A balanced equity portfolio involves a bit…
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Tesco current account for saving
I wanted to open a tesco current account, to earn 3% interest on £3,000. But the application form appears to allow only switching of my current account with another bank. Is it possible to open one for use only as a savings vehicle, as Martin suggests? Which form do I use, and where do I find it? Thanks for any suggestions.
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Help to save: interest on savings
Hello All, I am currently looking towards saving for my first home (21 y.o.). I am using a Barclays current account plus a Barclays savings account. I have circa £12k saved presently, and I have continuously put 500-700 away each month from my wage to reach that. I am only receiving approx. £5 a month interest however,…
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Investing in shares = Gambling
"Investing" in shares is simply gambling. Do you agree/disagree with my opinion?
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Money gone missing in transit?
No, this isn't the usual tale of miskeyed account details - at least I don't think it is :cool: On Wednesday 27th I closed 2 Newcastle Big Home Saver accounts online. Account 1 with balance £x then a few minutes later, account 2 with smaller balance £x (both under £300). These accounts were both linked to the same Club…
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Post Office savings Account Last Used In 1966
Hi, I don't know if this is the right forum to post my question on but hopefully the forum moderators will move it if not. My Mother-In-Law died last year at the age of 93. Among her papers was a Post Office Savings Book, Opened in 1937 & last used in 1966. There was a balance of 49 pounds 4 shillings & 11 pence. My…
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Shocks and Shares ISA with stop lose facility
Hi Thinking of transferring my existing ISA to a new provider as currently unable to set up stop losses. Would be grateful if anyone to advice to any that they know of that offer this but do not charge through the roof for trading. Currently only hold small sum (under 20K) Thanks Tim.
