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Calculating Fees for a Passive Portfolio
I finally got round to opening a Stocks and Shares ISA after the Brexit vote. I picked HL as a platform, as the website was easy to navigate, and picked 5 funds for a passive portfolio. I have since realised that I will be able (and intend) to max out my ISA contribution each year, so turned my eye to the platform/fund…
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Do you keep details of your accounts anywhere (in the event of you dying for example)
Something i discussed with my wife recently. She leaves all the banking to me & knows what i do (opening a stack of accounts, credit cards, paying them off in time, so on & so forth) to squeeze the interest out of our money. Though she doesn't know how many accounts we have etc. Not because i hide it, because i don't. She…
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Advice re Savings Stream (Lendy) P2P
Hello With the drop in savings rates my cash ISA is not doing well at all. I want to find a better return and have been directed by a few friends to savingstream dot co dot uk This is all new to me but I have done a little reading on P2P and more or less it seems secure if a little complex. I also see there are P2P ISAs…
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Where to stash cash when saving for a house
I'm trying to save for a property and have opened a Help to buy ISA so deposited the initial limit of £1200 but I have an additional several thousand pounds which I had in a previous ISA doing very little as the interest rate is so low now. I'm not sure what the best thing to do with it is? Any pointers would be great…
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Rules for safe investment.
I know nothing about investing money because for the better part of my life I have not had any spare and when I did eventually come into some I gave it to my children as I had no need for it. One of my children recently asked me what they could or should do with a £100,000.00 they would have if they sold their house and I…
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Bad news for savers
HI We have a joint current account and a seperate one each in order to get an extra 4% interest with Lloyds. We also have a very good with profits investment with the pru that was still paying 5% when the recession was at its worst and at best we have had 9% and we also have just had a payout from an investment with that…
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Lifetime ISA Query
I am currently saving towards buying my first home. However, due to having non-standard income, I am unlikely to be able to get a Mortgage to buy a property. Under the current Help-to-buy ISA scheme, you can only claim the bonus if you are using a mortgage to buy the property. Does anyone know if this will also be the case…
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is it time to sell funds/trusts that have done well out of the sterling crash
We have a variety of funds and investment trusts - some have done really well because of the fall in the value of sterling. Is it time to sell -hold cash until the next panic then move back in - I am tempted to hedge my bets and sell about 25 % of our portfolio . Have others considered this or do we all think sterling has…
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Saving for First House, where should I put my money?
I have a help to buy isa where I've used the 1200 initial deposit and currently deposit 200 a month in to get the government help incentive. But I'm currently putting a side and additional 400 a month which I'm leaving in a separate current account as I understand I'm not allowed two isa's. Is this the best thing to do or…
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Index Linked Savings Certificates - Good Time to reinvest ?
I have some NS&I Index Link Savings Certificates that are due to mature shortly. With the low interest rate is now a good time to re-invest ? I was planning on cashing them out but not so sure now. The renewal terms are 0.01% AER plus index linking. Thanks
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Which broker for my L/ISA
My husband and I are just getting to the point where we will be able to put some money away for the future. We are thinking of both opening a LISA when they come out as neither of us want to work till we're 68. For our other savings we're looking at a regular saver each at 5% until we have a good cash pot. We will have an…
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A bad time for buying bonds?
Hi I read an article the other day (can't remember where) about how now is a bad time for buying bonds, but a good time for buying shares. I have a small number of shares through HL and I've also set up a DD of £50 a month with a view to buying bonds over a long period of time. I was just wondering whether or people were…
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Best place for small savings
I am putting £200 aside every month for major roof works in about a years time. I'm aware this small amount isn't going to get me much but apart from ISA or having a bash at premium bonds...is there anything else I could look at?
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Ticker trouble - ETF query
Hi, I want to buy some IShares FTSE100 ETF ACC shares and am using the X-O Platform, but having trouble identifying the correct stock. The ishares website states the ticker is CUKX. When I put this into X-O it gives me two options: CUKX.P - which seems to be the right stock but is in euros CUKX.Z - which again seems to be…
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Switching saving after BoE decision and Brexit.
Hi, In light of the recent BoE decision on interest rates, I've decided that I need to do something with my savings. I've previously been in contact with a few IFA's in relation to investing my money, but have previously baulked at the figures they are quoting for setting it up. However, with things the way they are is now…
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How much have you made on P2P Lending sites?
Hi, With the drop in the base rate its looks like your average savings account and even ISA is going to offer you next to nothing in terms of interest. For those who already use P2P sites was wondering how much money people have made so far (after losses) and over what period. I started using Zopa back in 2012 and few…
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Selling small numbers of shares in a few companies-options?
what is the best option for selling small numbers of shares in a few companies? Do we have to use Equiniti and other companies? The shares are in both my late parents names and I have probate for both so the assets can be shared with my siblings. There are some that look as though they are no longer trading too. Plus lots…
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Experts - chocolate teapot
What use are experts? Let's take for a random example RBS! Made a massive loss, just reported. They've made losses for the last seven years! They must be run by experts, or complete no hopers. Which is it? Would you trust anyone of their chief executives with your finances? Could you do a better job - probably, you…
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A couple of (probably fairly obvious) questions about HL
Hi, I have a couple of probably fairly obvious questions about HL, which hopefully a seasoned pro can help me with.... 1) If I want to know overall how much up (or down) I am on a share, including dividends, is that possible? I can tell how much I've lost on the share price, but short of creating my own spreadsheet on…
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First Direct interest rate cuts from 18 October
We need to let you know about some changes we’re making to the interest rates on our Bonus Savings Account, which will take effect from 18 October 2016. As you may know, on 4 August 2016 the Bank of England reduced its base rate from 0.50% to 0.25%. We know this isn't great news for savers, but even though our savings…
