-
Property equity as a % of total portfolio
Hi there just wanted to find out what should be the appropriate amount of property equity as a % of the total portfolio. It makes sense that your own primary residence is an investment so should be included in ones overall portfolio of investments. So just want to find out what certain level is reasonable - I am talking…
-
LLoyds club account question
Is this the place to ask about current accounts please? I just have a quick question about the club lloyds account. I have three vantage accounts (one joint) and thinking of making at least one of them a club account but want to make sure I dont pay the £5 monthly fee. I have read online but just not sure about the wording…
-
Motley Fool Boards-is it just me..?
Not overly familiar with fool boards so i could be doing something simply wrong. When i go to read a board it always starts with the oldest discussion first and i have to page back and back to get to the latest. Is there any way to configure it so that when i go to browse a board, it starts with latest at the top? tnx
-
Are ETFs risky?
I understand that if an OEIC fund manager goes bust the fund can carry on under a new manager with little risk to investors' money. What about ETFs? Are they subject to the same regulation separating fund manager's assets and assets being invested? What about those with synthetic replication? Is there serious counterparty…
-
Yorkshire BS to close some Barnsley + Chelsea branches
http://www.dailymail.co.uk/money/news/article-3419375/Chelsea-Barnsley-Building-Societies-vanish-High-St.html
-
Family sponsorship?
Hi all I have joined so that I can ask one question?? My son has been diagnosed with an inoperable brain tumour, he is 3 years old. I work full time as we have 4 children and own a house. I have worked since leaving school, but right now in my life, I want to be at home with my child, and not regret spending time with him.…
-
Mother and Son Joint Account ?
Can anyone please give me some advice . I am looking at ways of maximising my mothers savings without opening too many accounts . I have a Santander 123 account as does my mother both which have the full amount in them - would it be possible to open a joint account between us ? If it is would it be possible to setup the…
-
An investment trust for growth?
I feel sort of stupid but I can not find an investment trust that goes for growth and not for income. I've tried using a number of sources to find a list but singularly failed. I have enough income from shares to use up the new £5,000 allowance so am looking for something with growth to use my CGT allowance instead. I like…
-
No money but want to buy a property
People do it all the time, how do I do it? Buy a property without any money, can pay mortgage though. seb
-
What percentage of interest would I be getting?
Sadly, I am terrible with numbers and the banks make it has hard as they can for a customer to work out what rate they are on. I have a couple of ISAs and a saving account with HSBC. My saving account has 35070.87 in it and has not had any more money paid in since Sep 15. I am getting monthly interest payments in the…
-
Income Portfolio: is it feasible?
Hello folks, I would like some preliminary advice on an idea that I have. Say that I have £1million (*) to invest on financial products (shares, bonds, etc.). Would it be possible to build a portfolio generating an average return of – say – around 5% rising in line with inflation? And a capital increase broadly in line…
-
Interest Rates - Nationwide
My 2 children have a JISA, a Halifax regular savers (6%) and a Halifax Current Savers (2.2%) Nationwide have a 3% interest rate for a current saver. Will this rate change in April? I was planning on moving the current from Halifax to Nationwide Thanks!
-
£50,000 sitting in the bank
Hi guys Im new to this forum and im looking for some advice for my girlfriend. She has inherited some cash and has about £50,000 that she has no plans with. It's basically sitting in the bank (not smart i know) the figure was a little more initially but has slowly gone down as she has a beauty business which is not doing…
-
Selling my mother's shares
I am dealing with my mother's estate. There are a number shares from the privatisation era, registered with Equiniti and Capita, and I want to sell them. As a shares novice, I am confused about this but do realise that selling costs vary considerably and as the executor I am responsible of course for optimising any…
-
ISA over £75K limit
My wifes cash ISA is quite a bit over the prottected £75K limit, should we take out the excess or risk looseing the amount over the £75K?? As far as I know you can't move part of an ISA and keep the rest where it is? This new limit is a pain! Thanks Dave
-
New to investing - Robbins Money - Master The Game - How to apply in the UK?
Hello :) I am Louise and just looking out to start some long term investing. Out of desperation I bought "Tony Robbins - Money - Master the Game" I understand he isn't known for being an investment guru but I knew this book would serve as an easy introduction for the complete beginner like me. I also liked the idea the…
-
What would you do with £22,000 in order to make moneyif you were in my position
Hi everyone, I am a newbie when it comes to saving strategies etc and was after a bit of advice on what people like yourselves (who more than likely have more knowledge on this stuff) would do if you were in my situation. I am a disabled (visually impaired) 24 year old who works part-time on minimum wage. I live with my…
-
Is a dropped market bad time to move funds?
Having procrastinated for far too long , I really have to move on getting my funds to a platform and benefitting from swapping to clean funds . Is now a good a time as any, or is there a downside to doing it whilst the market has dropped, please?
-
Fidelity ISA
I opened a Fidelity stocks and shares ISA last year and am being charged 0.35% fee which is fine, but they will only accept payment by selling off my fund units! Is this normal?
-
Any recommendations for income and slight growth?
I have filled up my ISA this year, and have a large cash balance, and I thought now would be a good time to buy outside an ISA, as I don't see myself needing the money for quite a bit, and I'm sick of my money not growing * Yes I have filled up the current accounts etc * Today I went and bought £1k worth of HSBC FTSE 100…
