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Which S&S isa for Vls80?
Hi all, As some of you may know I'm am a p2p fan boy however I want to diversify a bit. For the last 3 months I have been "gambling" so to speak on the stock market with quite good success but feel it's now time to get serious and invest. I really want to hold some vanguard lifestrategy but I'm not sure which platform is…
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State Bank of India experience
Glad to see State Bank of India is no longer listed on this website as one of the top buys for easy access savings. Two months ago, following this site's recommendation, I decided to put a considerable sum of money I had inherited into a newly opened SBI UK account: best rate of interest, no charges, fully protected - what…
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Inheritance tax
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Tesco Clubcard Plus Account
Does anyone have a Tesco Clubcard Plus account and if so do you know how much interest it pays? I have searched this site and online, but it seems to be a well kept secret :)
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HL Vanguard Target Retirement Fund
Hi all, I have been gradually increasing monthly contributions over the last two years into the Vanguard LifeStrategy 80% Equity (Acc) fund. The intention is that this will be drawn down as cash to provide an early retirement in 25 years time, before a defined benefit pension is payable 32 years from now. So, effectively…
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Zopa or Ratesetter?
Now interest rates are so low, I'm thinking of moving some cash into peer-to-peer lending, Zopa, Ratesetter or another, what's been your experience and returns? Cheers fj
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Continue with AVC or Transfer to SIPP
Hello, I wonder if I could please ask for a comment or two... I have contributed to a Civil Service AVC since 2010, paying 10% of gross salary each month. I am in the 40% tax bracket so this level of contribution saves me tax. The AVC is provided by Scottish Widows and I opted for the Cautious investment approach, which…
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elderly parent in sheltered housing
Not sure if this is the right forum thread. I own a flat that I bought because my mother sold her house and had negative equity which meant she couldn't afford to buy one herself. Now she wants to go into sheltered housing and I don't know whether to keep the flat in case she hates it. I'd have to rent it out and I'm not…
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Gold
With such low interest rates is it worth investing in gold? If so how? What are the pitfalls?
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UK Gilt yields turn negative
If you think savings rates are bad, look at bonds. The latest round of money printing has driven 3-4 year UK bond yields down to -0.1% http://www.bbc.co.uk/news/business-37031793
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Share Purchase
Hi Im considering starting to buy a few share, small amounts, maybe only £10-£20 when my budget allows. Can anyone suggest a good site to us to buy in this manner? Thanks
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Norwich & Peterborough Rate reductions 2/9
http://www.nandp.co.uk/PDFs/rates-and-charges/savings-variable-interest-decrease.pdf Looks like the Family/efamily regular saver is only reduced by 0.10% from 3.35% to 3.25% inc bonus. I assume the 3.00% conditional bonus is Fixed, similar to the YBS Regular issue 1.
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Selling everything when the market reaches a new all time high
I remember reading a book about investment, where the author was suggesting applying a couple of "meta-rules" to an investing strategy. One was never to buy into a market which was within 10% of a recent peak, and another was to consider selling everything when a market set a new all time high. Here we are with US stocks…
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Possible options for decent savings without an address history?
I've been poring over the various opportunities regarding salting a fair sum of money away in exchange for differing returns on this website, but one thing that seems to be standing in the way is my address history, as it has been extremely chequered over the last six years due to personal circumstance. I cannot thus…
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£250K to invest
Hi i'm in the process of selling my house and will have £250K to invest for between 6 months to 1 year but will need access to some of it….any ideas ?
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Pension Bee: A good move?
I'm considering moving my pensions to Pension Bee, an online-only pension provider that sells itself on an easy experience etc etc. I'm not big on understanding how to find a good pension provider, but the fully digital experience with easy access and visibility of the performance and payments of my pensions is what…
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Student accommodation/Care Homes
I've seen various companies offering investments in student accommodation and care homes etc. lately. (Some through EIS funds). Has anyone invested in anything like this?
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New AJ Bell Youinvest charges
FYI just received the below email;
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my dad wants to invest £5000, which is the best way for him to go about it?
okay, so he has £5,000 he would like to invest and make a return on into his retirement. which would be the safest/best investment option for someone like himself who is a beginner to investing money?
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Santander shares
My hubby has shares in Santander that he was left by his Nanna for when he got a house and we are pleased to say we are homeowners! :beer: We now need to 'cash' these in, can anyone advise how to go about this? Many thanks :)
