-
How do I make my inheritance safe from unfaithful husband
I am just starting the divorce process from my husband. I'm 51, been married 22 years and together for 31 years. He's having a long term affair which is continuing. Both my parents passed away the last 4 years and I recently sold their house. I have 650K which I need to use to buy myself and 2 young children a house…
-
Ishares SEMS ETF delisting
I just got a "corporate action" notice saying that one of my ETFs has delisted from the LSE, but the note wasn't very informative at all. Is it fair to assume that the fund will remain listed (under a different name, obviously) on other exchanges? I assume that if the fund were closing altogether the event would be called…
-
Ongoing use of IFA
Last year's resolution was to sort my finances out, and in about February I duly signed up with a financial adviser to manage my pension fund and ISA investments (around £950k and £150k respectively). The charge is 0.8% appplied to my pension fund only, so about 0.7% overall for total funds under management. I was assuming…
-
Investing for a better future!
Hi everyone I’m new to the forum and thought I’d join as I’ve been lurking for a while and feel I’d like to get a bit more involved. I’m looking for advice really, I’m 30 and have just started investing after years of crippling debts prevented me from saving any money. Any advice or pointers on where I’m going wrong or…
-
Holding/Investing money in Trust for children
Hi I am the executor of a will and as part of my duties I have to hold/invest money in trust for my two nephews and one neice until each reaches the age of 18 (their ages are currently 16, 14 and 12). The amount to be held for each is approx £31,000. Does anyone have any advice on where I can open such trust accounts, that…
-
Bitcoins?
I see it`s a big story all over news. But dont know anything about it...
-
Savings Accounts for 17 year old
Hi, I'm going round in circles a bit trying to decide the best options. My son is 17 and has a part time job and is earning up to £300 a month. He currently has a tsb under 19s account 2.5% with about £1000 but is wanting to put some of his money away so he doesn't spend it straight away. He also has about £300 in an old…
-
International early inheritance - so many questions!
I posted this earlier in Pensions, Annuities & Retirement Planning - please delete where not appropriate! ~~~~~~~~~~~~~~~ Hi everyone, sorry far the lengthy post, but I over Christmas had a few discussions which left me very confused. I appreciate any pointer in the right direction since I am completely clueless with…
-
Savings account for Grandchildren
Can I put money in some sort of savings account for each of my grandchildren that they can't access until they are 18?
-
Where To Save Money? Advice Please
Hi All, After a recent check of my 3 savings accounts with my current bank (including 1 ISA) they are all displaying as 0.20% interest. I'm now looking at making a switch. I'm currently a basic rate tax payer. I have approximately 17k of savings (10k of which is in my ISA). I am paying off a 5k loan, but interest is…
-
Vanguard Life Strategy Accumulation Shares
Can someone please explain the dividend with Vanguard Life Strategy accumulation shares. Are we paid a dividend that increases the fund holders numerical holdings if re-invested, or are dividend re-invested in the shares that are currently issued, increasing there value, with no numerical gain to the share holder s…
-
Keep money in bank accounts or dripfeed into regular savings
I have several bank accounts, Tesco, TSB, Lloyds, Bank of Scotland etc. Paying between 2 and 3% interest. I also have a First Direct account which I use for my main current account. Would I be best opening up a regular savings account with FD and drip feeding max of £300 per month into it from one of the other accounts to…
-
Savings for retired parents
Hello all. I'm sure this has probably been asked before, but I can't seem to find a straightforward answer on gov.uk or similar websites... I understand that a basic rate taxpayer can earn £1000 in interest from savings before tax is deducted by the bank or building society, but does the same rule also apply once you have…
-
Any good share/fund price websites?
Hi I am searching for a good website that will allow me not only to look at share/fund prices but also so i can import the prices into excel automatically. I think google finance and yahoo finance used to allow you to do this but they have now stopped you from importing data into excel. Any free suggestions would be great…
-
Have IWeb suddenly become more expensive than even HL for Funds?
Hi all, Just came across this page http://www.iweb-sharedealing.co.uk/Landing-Pages/coming-soon.asp and in particular the Costs and Charges PDF there. This has changed because luckily I have previous versions saved. Under Funds there is now a "typical transaction cost" of 0.5% of your investment!!! There is also an example…
-
Credit Card Round Up Savings
Hi There, Looking at several ways to push more of my precious pennies into my ISA account, (which, btw, I'm not sure I'm using correctly but it holds my money, so meh!) I've been hearing about these transactions rounding up services, where you take a purchase and it pushes the rest of the pennies into an investment. From…
-
Who's invested in Cryptocurrency
Hi, I'm a member of many Facebook groups but wanted to see how many UK people here have invested in Cryptocurrency? Have you managed to make a profit? Have you spent any of your profit? I've been investing for several months now and In 2018 i'm hoping that my investments make me a millionaire due to the amount of holdings…
-
Bull market, how long for?
When I started work I was told 'a Bull market always climbs a wall of worry', how much further does this Bull market have to run? Whilst Trump may not be the sort of person you would want to know personally his tax cut agenda for many of us represent a brilliant challenge to the Big Government that got us in the current…
-
Vanguard LifeStrategy 40 for LISA - Good plan?
Hello there, I would like some opinions/advice please, if you’d be so kind. I want to put £90 per month in a LISA, for 7 years, as of next month. This is for the purposes of a shared ownership flat deposit, for which i’ll need about 10K. I am a busy bee, so I have little time for doing much managing, or the learning…
-
NS&I Maturing Bond
I took out a NS&I 65+ Guaranteed Growth Bond in January 2015. I invested £10,000 at the interest rate of 4% Gross/AER. I expected the maturing bond to be worth £11248.64 which is 3 years compounded at 4% with interest calculated annually but the letter tells me the maturing fund is £11,163.29. Can anybody explain why?
