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What does Rebalancing Really Mean?
As part of a rethink of my investments started by a necessary platform change I have come to the tricky question of rebalancing. All the pundits say that it is important but what do they intend you to do? I will say from the start that in my case historically this has tended to be rebalancing between funds but I am aware…
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How do I invest to pay mum's fees
My mothers house is being sold to pay her care home fees. Any advise on how to invest the money allowing a £3000 per month fee payment. The lump sum should last 5 years and will need to be split if put in the bank because of the 75k guarantee. Annuities want too much money
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Premium bonds
Does anybody know about the warrants that are giving by nsi when you cash them in, how long have you got to take it to the bank? Is there a time limit like cheques
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Which platform as A J bell has increased charges
Hi, Just wanted to know which platform is the way forward..I have an account with A J Bell and have invested around 7000 in VLS 60 and a couple of shares in an ISA account...After hearing about the price increase, wonder what to do next...plans are to continue invesing around 6000 a year into VLS 60 and by couple of shares…
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Saving for a mortgage advise
Hi guys Just need a bit of advice. I am 28 (just turned) and I trying to achieve some financial goals. My main goal in life is to get a mortgage for a flat/ house. I am currently living at home paying £250 in rent per month. I am currently contracting and earning £140 a day, which grosses to be about £30k (taking into…
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Investing for grandchildren
Sadly my daughter passed away last year and after probate there is around £40,000 to invest for my 4 year old granddaughter. What advice can you give me as to where the money should be invested until she is 21?
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Need some advice on savings...
Hi All, I'm new on here and hoping for some specific advice. We moved house last year so up until that point we were saving towards the costs and then we've been putting most of our savings into doing up the house. We're now at the point where it's finished so I need some advice about the best place for savings as there…
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Direct Debits
Recently after using all my DDs on multiple bank accounts I decided to set up a DD with Cancer Research for £5.00 a month (so doing my bit) but this means that you qualify to get the interest from your Santander or Club Lloyds. Anyone else have any other ideas?
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iWeb v Halifax Platforms
I know that they are both parts of Halifax & I have looked up the charges so I know about those and I can see the differences in the web sites but I cannot find out if they have access to exactly the same range of funds or whether one (I guess iWeb) has a larger range than the other. They will not (cannot?) tell me. So…
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Money to Student Grandchildren
I have decided to give my 2 Grandchildren who are at University a monthly .allowance . My Daughter has had 2 difficult years earning a lot less money This gas stretched the family to the extent they have got a considerable overdraft . My Daughter has started a new job in August still earning less than she did 2 years ago.…
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Tesco Bank DDs x2
Hi, I was wanting to have two separate direct debit mandates coming from a current account and going to two separate Tesco accounts, as has been well documented. Can I use two separate internet savers (with different account numbers, but under the same internet bank login), or do I have to use an internet saver and an…
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What's the best saving account for this..?
Hi, I'm 19. Finished A-Levels but on a gap year so I will be starting my uni course in Sept 2017 (not sure whether I'm considered a student at the moment..?)Want to travel South-East Asia and Australasia for 3 months from April 2017. Will be saving £5,500. Not sure which saving account is best to store money for my gap…
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help please
Hi, i need advice,,, i gave £1000 to my ex gf few years ago,and i thought she never pay me back and suddenly she called me a week ago and asked me to give her my account number so she can pay me back. and i did gave her my account.. today she send the money and i didnt beleive she would,but when she send she called from…
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I forgot about Drip Feeding !
I'm full of questions today! Ok so I've opened a few accounts recently. Balances etc below: TSB 1 (Currently 5%) £2500 TSB2 (Currently 5%) £1750 TSB regular Saver (Currently 5%) £1700.00 First Direct - I'm swapping to this account from Halifax - £1400 (This needs moving when swapped so I don't lose it in bill money) First…
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Protecting capital over short term
Hi Forum I'm in the process of selling my house, and buying another. There appears to be a problem with the property I'm buying. I am getting a formal quote for remedial work, but it is looking likely that I'm going to have to pull out of the purchase. My sale is going through, with no issues, and I have somewhere to move…
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MSE News: Savings in crisis
Massive market changes as savings bank accounts slashed...Read the full story: 'Savings in crisis' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Savings Direct debit Q (Sorry!!!)
I've set up Tesco online saving so that I can have direct debits for interest - Can I solely use Tesco or do I need to pop others on there so they are different companies? Thank you in advance
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New Savings Strategy Needed?
So with the cuts of rates on many current accounts I need to look for ways to better utilise our household savings. Right now our annual savings income totals about £3k. With the cuts in rates to TSB, Santander, Halifax & First Direct this income will drop to about £1,400. Thinking it's time to plough more into the stock…
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S & S Isa
Good Morning, I am thinking of putting this year's ISA allowance of £15,240 into a S&S ISA using Vanguard Life Strategy 60 fund. Not sure if this should be the ACC or Income fund not sure of the difference? I want to take a punt where I invest in a more Equity based fund to see how it fairs over the next 10 years, so I…
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Is it ever to late to save ?
Reading a thread below has got me thinking. People are a lot more savvy now with forums like these motivating and teaching the benefits of saving and getting the most out of your money no matter the sum. I was wondering for poeple late forties and above if there is the same impetus to pay off the mortgage, increase the…
