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My LISA or new born JISA
My partner and I are expecting our first (likely only) child next year. I would like to put some money aside for him but part of me wants the flexibility to pay this over to him as I choose. I currently pay into a SIPP just enough to get below the higher rate of tax (I am in LGPS for main pension). I also pay into a S&S…
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Santander 1|2|3 Lite Current Account
What does everyone think about opening a Santander 1|2|3 Lite Current Account just for the purposes of getting the regular e saver with 5% interest? I can fund it with £500 a month (to boomerang in and out again) and I can set up 2 direct debits to my Tesco savers but I don't actually need the cashback facility - its just…
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Financial planning for clueless fella
I'm trying to glean a little information that'll help me, even if it's to steer me towards the best sources of information to teach myself a bit about things. I'm 37, married with 2 small kids, mortgage of £110k, self employed with no pension (my only pension plan is to carry on work part time!). Between us we manage to…
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Regular savers and how to fund them
Off we go :)
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Cost of investment advice
Hi people, I have met an adviser from St. James's Place (let me know if the company name should not be mentioned here, I ll remove it) and he came up with a plan for my retirement and ISA. The guy looks trustworthy and the company seems to have a good reputation, but before I make a move, I need to clarify few things still…
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Investing retirement lump sum
Hi I've posted on here a couple of times previously, looking ahead to when I retire at 55 on a final salary pension scheme. Well, it's almost on me now and I have 13 days left to work. I'll get my lump sum which together with some savings which we (sorry, this is the wife and I doing this jointly) have in across 2…
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Transfer Part S&S ISA to Cash ISA
[FONT=Verdana, sans-serif]Can you transfer cash which is part only of a S&S ISA into a cash ISA? [/FONT] [FONT=Verdana, sans-serif]I hold shares, funds and individual corporate bonds in my S&S ISA and am thinking of selling the corporate bonds and investing in cash. [/FONT] [FONT=Verdana, sans-serif]I bought the corporate…
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help to buy isa
How many help to buy isa can i have. cos i have already a nice deposit for my house:money::money:
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Stocks and Shares ISA
I am looking to invest approximately £150k in a S&S ISA. I don't need advice necessarily and want a "portfolio" type product with a medium to high risk. Basically looking to put my money in and leaving it for a few years. I have found a product with Brewin Dolphin with annual charge of 0.7% and up to 0.16% depending on…
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taking out from regular saving or isa
I have a 5% flexclusive regular savings account (nationwide) and 2 isas (one old one new). I need to pay a sum of over £10,000 and don't know whether using up all my regular savings account money (3,500) so far or continue with that in order to get the interest in April and use my isa savings. Next year I am expecting to…
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Help
Please can someone reassure me or offer advice. I am in the processes of doing an ISA transfer, I sent off all my details to the new bank with an ISA transfer form from my existing account. I put my account number on but the new bank have not received this, it was two weeks plus I sent it. Can my account with the old bank…
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ISA Save Fix 1 or 2 Years
I need to re-do my Cash ISA for when my Mortgage finishes in July 2020, I looked at the Virgin Money one, but am wondering whether to fix for 1 year at 1.35% or 2 years at 1.55% I'm thinking more on the lines of 2 years as with Brexit going the way it is going at the moment, are interest rates really going to rise over the…
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Setup letting agency to manage my properties
I've been reading that setting up a own ltd lettings agency to manage own property is quite a popular choice. One thing I didn't get is, let's assume that this ltd charges the owner (same person) a management fee, and after expenses etc, the company's profits are 5k. The director then can get this 5k as year's dividend.…
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Bonds newbie
I’m trying to justify to myself why I should invest in bonds. I am going to sell nearly all my investment properties in the next 4-6 years, and I already have a significant amount in shares, so on the one hand bonds seem like a good way to maintain portfolio diversity, but on the other what is the point in targeting much…
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Stupid question... maybe
Hi to all on the forum, This might be a basic or stupid question, but I just can't get my head round it. I'm looking at corporate bond ETFs. I'm interested in "iShares Global Corp Bond UCITS ETF USD (Dist)" this tracks the Barclays Global Aggregate Corporate Bond Index. The ETF comes in a few different flavours (I'm…
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Endowment if there's a crash
Royal London endowment has two years left to run. If there was another crash what would happen to its value? Is it like investing in shares or is there some degree of protection with an endowment?
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Savings for 1.27% without Faster Payments, or 1.2% with
What are others' thoughts? A Post Office Saver for 1.27% where the money disappears for a day or two earning no interest while its being transferred, or Tesco for 1.2% where it transfers instantly?
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Better rates than standard savings?
Hi I'm 64 retired on ill health grounds and on a fairly small occupational pension. I can't take big risks but am fed up with the miserable ISA and savings rates I've looked at S&S ISAs and the Cavendish platform seems good BUT needs 5 years' minimum investment time which isn't great at my age and health! I didn't do…
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Safe place to save proceeds from sale house in the short term?
My sister in law has sold her house, and is staying with her parents until they look to buy a new house next year. She wants to put her proceeds from the sale somewhere safe until then, but she's concerned that the protected savings limit won't keep her money safe. She's suggested National Savings and Premium Bonds as…
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Closing HL account post bereavement
Hi My mum passed away last year and had a vantage account with HL with around 14 funds which I think are unit trusts. (How do i check)? I need to close this account to share the proceeds with my brother, but with my share I plan to put the proceeds into my HL account. Will I be charged for taking it out of my mums account…
