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ISA help
Hi Guys, I already had an isa through hsbc I have been paying into this year but just opened a lifetime isa with skipton to save for a house, as I had to pay £1 to open it does that mean I have broken the rules for having 2 cash Isa accounts and does that mean I won't be able to pay £4000 before the April deadline to get…
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Standard life shares?
Ive got a few of these ive had them for years when they gave customers them. Only worth about £1100,dividend paid about £50 last year which i now reinvest. There never seems much growth in them would i be better selling them or is that amount of dividend ok?
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Risk Scale versus lost potential..
Following on chucknorris post a little bit I suppose and the use of bonds in a portfolio. So at present being 35 y/o and the sole earner in the house I contribute to both my pension and a S&S ISA. The pension is a workplace one by salary sacrifice so put in 15% in their higher risk portfolio (knowing this will be at least…
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SIPP payment
my son who is 25 has mistakenly put his money into a SIPP instead of an ISA online .can he transfer it to an ISA ?
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Best 'lump sum' Savings
What is the best (interest) account to save a smallish sum of money with instant access. This is a one-off sum and therefore no regular savings are planned?
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Personal investment plan withdrawals
I am needing to withdraw a sizeable chunk of money out of a Halifax Bank of Scotland plan this is the second time I have taken money out the first was only about a third of what I need now that was 2 years ago. The problem is all the options there are 4 to choose I realise this will have an impact on tax. The last time I…
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MSE News: UK inflation hits five-year high of 3%
The UK's key inflation rate hit 3% in September, the highest it's been since March 2012. The figure means pensioners can expect a 3% uplift in the basic state pension from next April...Read the full story: 'UK inflation hits five-year high of 3%' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Savings v Mortgage conundrum
Hi forum posters, We have a bit of a savings/mortgage related conundrum which we can’t quite work out. We have a £32k chunk of a mortgage (added from a house move) which we can pay off from £40k of Premium Bond savings we have worked up. On our mortgage we currently pay base rate +0.99% on the mortgage with 18 years to go…
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Financial Jokes
I thought this board was a bit too serious so here are few jokes to make us all happy Why don't sharks attack IFAs? Professional courtesy. An investment banker said he was going to concentrate on the big issues from now on. He sold me one in the street yesterday. IFAs are people that help you with problems you would not…
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Personal investment withdrawals
Looking to take a considerable amount out of a plan they have given me 4 options not sure what one to take this is from Halifax Bank of Scotland some of the options say cash in whole segments of plan others tell me to take part of the segments,this will be taxable wondering if anyone has any idea or has dealt with…
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Planning for Care
Help! My head is hurting! I have been helping my father for the past ten years. He has vascular dementia and does marvellously well, still living on his own. I am hugely proud of him and how he copes. I deal with his finances (POA and all that) however, I am struggling to plan for the future. We are self funding and he…
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Momentum wins again
Chris Dillow of Investors Chronicle has this in the current edition Yet again, momentum investing has done well. My no-thought momentum portfolio (which comprised the 20 best-performing stocks with a market capitalisation of over £500m in the 12 months to June 2017) rose by 8.3 per cent in the third quarter, thanks to big…
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Investment options - £40k possibly?
Hi all I'm in the very fortunate position of having been gifted a quite large sum of money (by my standards anyway) by a relative. I just need to pay the cheque in! However, I'm not then quite sure what to do with the money... I will make the maximum mortgage overpayment, put some aside for a rainy day (and in case of any…
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Best Investment Deals for Elderly Mother
Hi All 25 years ago, my father and mother invested around £60k in bonds spread across two policies. One with Friends Provident and the other, Clerical Medical. Each policy invests the money in stocks and shares, and currently pays a monthly dividend to my mother (my father died 11 years ago). In the event of my mother's…
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Help 2 Buy to Lifetime ISA Error
I had a help to buy ISA in tax year 2016/17 and back in April earlier this year I wanted to move the £4000 saved into a lifetime ISA with Hargreaves Lansdown. Long story short, after double checking I filled out the right form - as the form didn't mention LISA anywhere - I was assured it was fine and inevitably the money…
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Zulu Principal
Hi everyone Does anyone know if there is a free online screener which can be used with Jim Slater's Zulu Principle criteria? Thanks
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Maxed out ISA/LISA?
I have maxed my annual lifetime ISA (£4000) with Skipton building society and also put £16,000 into my Nationwide cash ISA. The cash ISA for Nationwide states I can still put £4000 in to max my annual ISA limit. Obviously the limit does not calculate across two separate banks/building societies. Could someone please…
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Finally saving -where to begin??
Hi everyone After finally clearing our credit card, apart from our mortgage my husband and I currently have no debt :j We have recently started using YNAB & find it brilliant for keeping us on track with our day to day budgeting and saving for bills. So we are now thankfully in a good position to start saving regularly…
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Savings scenario
Good evening to you all! My wife and I are about to embark on our journey towards owning our first house. It’s been a long time coming, we have 3 youngish children and we are both at the beginnings of new careers. So, what we would be hugely grateful for, is some advice.. OUR SITUATION We moved out of our 3rd privately…
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Split risk £100k investment
This is my first post on MSE, I am looking for some advice on my first investment. I have £250k cash that I am looking to invest. I have a mortgage of c.£300k against a house valued at c.£600k. I am 41 and I don’t have any pension provision. I am considering investing £100k in some stocks/shares/ISAs etc but have no idea…
