-
How long for on line?approval of joint Bdg Soc A/c?
We input our details a few days ago to open a new Bdg Soc account, but as yet we have just the ack that the application has been received. How long is it normal to wait before hearing more, even that may be a request for more info?
-
How to get myself in the best financial position for the new year?
I would like some advice on how I can get myself into the best financial position for the new year with my main goal next year being to have a considerable amount for a house deposit. I currently have a help to buy ISA which I may transfer into a LISA. I have a small nest egg/emergency fund and am also looking into…
-
LISA plus HTB ISA or Regular Saver?
Hi everyone, I've been researching into my options as I am just about to start saving for a mortgage. I've already discovered that a LISA sound the more suitable option for me but as I will be able to save more than the limit on the LISA I am unsure whether it would be best to put the remainder in a Help to Buy ISA or a…
-
The access bank uk
Hi all - I am a new member of this forum. I have money that i am considering investing with 'the access bank uk' in a 1 year fixed price bond at a return of 1.85%. Is the company protected like any other high street bank and are there any 'small print' conditions that I should be aware of. Also, Martin Lewis only yesterday…
-
Fidelity Mult Asset Allocator
I was trawling through Trustnet and came across Fidelity Mult Asset Allocator, which has a 0.28% OCF across the range. Has anyone any thoughts on these as an alternative to the usual VLS/L&G MI/HSBC global strat offerings?
-
Is a S&S Vanguard Isa the cheapest?
I currently deposit a fairly significant amount of my wages into my pension as I am a HRT payer but I wanted to start saving into a S&S Isa as well to bridge any gap between retirement and pension draw down. The Vanguard ISAs seem to be cheap and I will be investing in their funds (my pension is a mix of the lifestratgy 80…
-
How to use my settlement
Hello. Hoping that some helpful creative brains can help me clarify how best to invest/save/budget. I have recently left work after the job I jad done for 5 years had changed and was no longer practical for me to do. Work agreed to pay me 30k tax free and a further 10k net wages. I am a single mum to two young children and…
-
BP Shares
I read this morning that BP is to launch a share buy back what exactly does this mean ?
-
Charity that welcomes monthly £1 DDs ...
https://forums.moneysavingexpert.com/discussion/comment/73338711#Comment_73338711 See post #393 in Tesco DDs thread above..
-
Wealthsimple - What's your experience?
Hello all, In brief, I am looking to invest in stocks/shares via funds/trackers in the next two months. I am looking into several options, one of which is Wealthsimple and it has not, as of yet, been mentioned on this forum. I am mainly curious as to people's opinions on investing via Wealthsimple. As an aside, I am…
-
Home owner (no mortgage) but low income
I am a mortgage free home owner with small savings. I'm concerned if I lose my husband can I stay in my home if my income is very low? Increasingly concerned.
-
Santander 123 still a good saving option?
While browsing through the Current Bank Account section and Savings section of the main MSE pages, I was puzzled by the lack of any mention of the Santander 123 current account paying 1.5% on up to £20,000. The penny dropped when I did the sums on the max £20,000 and took into account the £5 monthly fee and threw in a…
-
S&S ISA for 10 year plan
Hi Hoping to save monthly into S&S ISA (no min monthly if poss) to add more when able to enable me to save for mortgage overpayment in 9/10 years time. Any recommendations on ones with lower monthly £20 for example other than £100 min.? Cavendish and AJ Bell look best options I think at the mo. Thanks
-
Indices and treatment of businesses returning capital
Hi I have investment in Electra Private Equity Investment Trust. Over the last year it has returned substantial capital meaning the share price has plummeted from over £47 to about £18 and I believe a further return of capital will take place. I like to compare my overall portfolio performance with that of the benchmarks…
-
Child trust fund. Child no longer resident in UK
I am looking to transfer my daughters CTF to another savings account but as she is now no longer a UK resident can I still transfer this to a junior ISA. She is 9 years old and living in Italy with her mother for five years now. I am a uk resident and A higher rate tax payer. Please advise as to Best best way to save or…
-
S&S ISA, S&S LISA and SIPP
Looking for some ideas as to how to invest future subscriptions/deposits between a S&S ISA, S&S LISA and SIPP. I currently have the investments below: S&S ISA with Cavendish Online (subscribing £150 p/m split evenly between 3 funds): Blackrock Consensus 100 £4800 HSBC Global Strategy Dynamic £4800 Vanguard Lifestrategy 100…
-
Co-op Bank Everyday Rewards
The Ts & Cs stipulate that you must have a minimum of four Direct Debits per month as well as the £800 minumum pay in to qualify for the £4 monthly bonus. Does anybody know if one DD to one external account taken weekly meets the frequency condition ? Or does it have to be four different DDs per month ? Also - if a DD is…
-
Shares in Hong Kong - Probate
Hi Not sure who to ask and who can help so please bear with me. My mother in law has some shares left to her following her husband passing away. We have tried to get the shares put into my mother in laws name so she can sell them but we have been told that this isn’t possible unless the seal the probate in Hong Kong. We…
-
ISA v Instant Saver
Just had notification that my Virgin ISA rate is dropping yet again to rubbish % and that instant saver accounts have gone up to 1.3%. Should I cash in my ISA and put it into an instant saver?
-
Sceptical about friend’s invite to join Bitcoin/forex app
Hello, I’m after some wisdom. I hope this is the right place. I suppose I’m living up to my forum user name here! I have friends who are into ‘network marketing’ and are reps for certain products, so far these seem to have been beauty, skincare, weight loss etc. They appear to have added an investment product to their…
