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Vanguard Target vs LifeStrategy
Hi, I've been reading up on LifeStrategy funds and want to consolidate my £6k portfolio split between index tracker equities and corporate / government bonds into LS80. The folks on the forum were a big help yesterday and I've got more confidence in the Vanguard approach. I'm in my 20s saving for retirement in an ISA and…
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FSCS Deposit v Investment
I am thinking of investing in a fixed term bond with one of a number of companies that are all covered by the FSCS (e.g. post office, Aldemore). I understand that deposits with e.g. a bank (current account, savings account etc) are all covered per person per firm up to £75000. The FSCS site refers to INVESTMENTS that are…
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Trusnet Portfolio not working
Does anybody use Trustnet to monitor their portfolios. Although I am not a customer i find their site useful. When I click on the Portfolio link I cannot get access to my holdings. Is anyone else experiencing the same problem?
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Asset Split %.
Hi, Just wondering how cautious others view my current diversification, and whether others would be looking to ramp the risk/contribute elsewhere given I'm in a relatively good place at present. After some posts a year and a bit back this is currently where I am with pots and monthly additions. 34 years old, single salary…
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Temporary investment of house proceeds
Hi, I am a new member and need some advice please. I sold my house today and have 170,000 that I need to put into savings whilst looking for a new house to buy. I want to protect it by splitting it into three different accounts. I have one savings account already with First Direct that I can use but need to open two more…
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Confused about Available Balance.
I bought a couple of DVDs on Amazon for £48 and I had £113 in my bank prior to the purchase. It says on my NatWest account that my available balance is £13.97 however it says my balance is £65.26. I have only spent £48 from £113 and my available balance is £13? How does this add up? Do I have £65 or £13?
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Which Platform to buy a Index Tracker Fund?
I am VERY new to investing money, as in I have never invested any and have no savings to currently invest. My plan is to to set up a DD to invest £100 a month into an Index Tracker fund, where I can let the money grow over time, hopefully giving us money to live on when we would like to retire. The amount of money we can…
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Investment of £100k that's just sitting in the bank
I have around £100k which I had been saving in order to buy a bigger house, but we have since decided to stay put in our current property due to personal circumstances. This has left me with £100k sitting in cash, albeit split between three maxed out Santander 123 Accounts, plus a really low return ISA. The returns on the…
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AIM Shares
Has anyone had any luck with AIM Shares? I was thinking about allocating about 1-2k of my years ISA allowance, for purely AIM shares. Quite unsure though Is it worth the hassle?
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Cash vs shares at 62 years old?
I was expecting a slump in share prices post brexit, but the opposite seems to have happened. However, the gloom merchants are predicting a slowdown in the next few months. I took early retirement and am comfortably off with company pension income and am mortgage free. I currently have just over £120K invested in shares,…
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DIY balancing or leave it to the grown ups
Hi, I have a portfolio of around £6k with Hargreaves Lansdown, roughly 90% in tracker equity funds and 10% in tracker bond funds. I'm looking for long term growth. Historically the bond allocation was to avoid volatility and provide a slush fund for any unexpected withdrawals, but I'd be comfortable with 100% equities and…
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Am I well balanced?
Current assets are 50% of a house worth £130k (Mortgage 72k) £1100 in FTSE tracking fund isa 85% equity, adding £100 a month £1000 cash at 5% £300 in sipp (only just started), £300 thereafter per month into international small cap fund, 100% equity As I get older might rebalance sipp, possibly
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Pensions for contractors
I am contracting and am set up as a Limited Company. Therefore, I have to sort out my own pension. I was thinking, is it advisable to just put some money into a secure bond during my contract? This would be money that I would not touch until retirement age. It would be like a US government bond; it would not return much…
