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How best to protect girlfriends financial position?
This may seem like a bit of an odd title but effectively my girlfriend and I aren’t married, have been together 7 years, and have recently given birth to our first child. We have a joint mortgage together on our home and we own a 50% share of a BTL. As I am a higher rate tax payer I have been trying to plunge significant…
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What to do with discretionary trust?
My late father's will set up a nil rate band discretionary trust with my mum, sister and I as both trustees and beneficiaries. Standard stuff, £325k in it. No letter of wishes. The rest of his assets went direct to our mum. Mum is very frail with dementia, and in a care home with fees fully paid. We have PoA for her…
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How can I manage/invest £135k
The probate process following my mothers death is due to be complete next month. I am due to inherit £135k and am unsure how to manage/invest this wisely. I am married with 2 children, work full time. I don't necessarily want to pay off my remaining 109k mortgage. Each of my children (9 and 6) will also receive a monetary…
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How to move money out of Hong Kong
My Sister's Husband (or should I say my Brother in law), recently had some hong kong land passed down to him from his uncle, he sold the land and managed to get $820,000 Hong Kong dollars for it, in £ Sterling that's about £80,000. He has the money in a Hong Kong bank account which he set up, the big question he now has is…
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St James Place review and feedback
Does anyone have any experience with SJP and have any feedback? Thanks
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Simultaneous Nationwide Flexclusive Regular Saver 1 and 2
I was surprised to able to open a Flexclusive Regular Saver 2 (£250 per month limit) while my Flexclusive Regular Saver (£500 per month) is still running. Has anyone else managed to do this?
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Tesco Internet Saver accounts
Can anyone confirm that you can have more than one Tesco Internet Saver, please? I can't find anything against this in the T&Cs, but I do have the unfortunate ability to overlook things! I don't want to disturb the existing one for the time being, but I would like the 1 year bonus interest rate for another pot of savings.
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Savings
Hi, I currently have £15k in a Barclays savings account which has about 0.75% interest rate. Is there somewhere better I could be saving/investing my money? thanks:money:
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Why do ITs buy their own shares?
Why do investment trusts buy their own shares? Is it to support the price? TEM, which is trading around a 12% discount, is currently regularly buying them and saying they will only be sold into the market when at a premium to the NAV.
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Interactive investor price hike
Hi, Just had an email from iii saying their price per quarter is going up to £22.50. I haven't traded in ages and have about 5k of shares I just take dividends from. Obviously that means iii's fees are cutting into my earnings. This latest price hike has spurred me into action, I know I should have sorted this out a while…
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Nationwide Flexdirect
Hi All I was thinking of openig a Nationwide Flexdirect account as it pays 5% on blances up to £2500 providing you pay in £1000 a month. I was going to put some money in the account then pay in the 1000 a month, there are no restrictions on withdrawals so leave the 1000 in for a day then take out again gaining the interest…
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The best way forward?
I would appreciate any advice or comment from forum members on the following situation :) . A family member has recently inherited a large sum of money (£520,000), and together with savings held with his wife, has about £800,000 held entirely in cash. He has approached me for advice and I've suggested he visits an IFA to…
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Fidelity screen format
Are there any fidelity customers out there using the new format? If so are you experiencing any problems with the formatting relating to portrait and landscape?
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Cii R02 and R03 Investing and taxation
I'm interested in learning about investments and taxation in depth for my personal needs. I have already studied bookkeeping and the beginnings of financial accounting, and now I am looking for how to study further. I have found the courses R02 and R03 from the Chartered Insurance Institute. I understand they are designed…
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Castle Trust 1 year bond 2.00%
Is Castle Trust reputable? Castle Trust is the trading name of Castle Trust Capital plc, company number 07454474 and Castle Trust Capital Management Limited, company number 07504954. Each firm is authorised and regulated by the Financial Conduct Authority. Registered office: 10 Norwich Street, London, EC4A 1BD. Registered…
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Bonds?
Dumb question(s) time.....if the valuation of bonds is inversely propotional to their yield, then the implication is that as yields rise with the rising of bank base rates, the value of bonds is likely to fall?? If this is the case then with US and UK banks considering base rate rises, why would anyone want to be invested…
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Re-balancing our Portfolio
A couple of years ago my wife and I decided we'd had enough of the low interest cash ISA's we were invested in and instead started to transfer our cashIisa's into S&S Isa's. We use our full Isa allowance each year so now have around £200K between us in our ISA portfolio's. We now feel we need to have more balance to our…
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Best joint account for newly wed home savers?
Hi All, My new wife and I have always had the sneaking suspicion that we are somehow missing out on £1000s of pounds by having our savings in the wrong place. We're currently saving for a home, likely to buy within the next two years. Current finances Joint household income: £83000 per annum Current monthly expenses: £2240…
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How much to hold in any one fund
I am interested in some views on the minimum/maximum people hold in any one fund/IT and what factors affect their decisions within different sectors or at different times in their lives or in the economic/investment cycle? I theoretically invest within a 4% to 10% range but occasionally (still being in the early months of…
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Trust fund curiosity
Hello, Hoping for some advice or ideas really and hope that's okay to ask... We've just recently found out my partner's great uncle has died a few weeks ago. He was the person in charge of a trust fund that was set up by my partner's great grandad back in we think apx 1950... My partner's aunty has copies of original…
