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The switch from my OEIC portfolio to my ETF one - one year on
For quite a few years I held all my investments in OEIC and unit trust form on a platform that was "free" (pre-RDR) and then converted its charging structure to a percentage based fee based on assets held (post-RDR). All my funds, around 25, were of the actively managed flavour. A year ago I decided to do a bit of research…
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Crossover point
At what age did you reach or intend to reach the crossover point where your investment income exceeds your living expenses? Also how should i calculate this? investment income pre or post tax?
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choosing a CC Exchange
working on something with some people i work with, and looking at the various Cryptocurrency exchanges. have a LNS Hardware Wallet, and Sterling bank accounts, debit card and credit cards.. no Euro or Dollar accounts, though these could be set up if necessary. Coinbase is getting a lot of attention, but i understand that…
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Review my stocks and shares ISA
Hi everyone Here is a breakdown of my current stocks and shares ISA. What do people think? What would you change? Now I am looking to invest in some funds that focus on the rising asian market, Japan and UK bonds. Btw I am 28 years old. Thanks :) Anpario Plc 12% Aviva Plc 14% Bank of Ireland 12% Centrica 21% National grid…
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Coinbase 'pending' transction
Hi, Picked up some Litecoin yesterday afternoon at 4pm, whilst I know yesterday was busy etc, the transactions for the purchase are still 'pending' 24 hrs later. Anyone got a view on this,or how long its likely to take, used debit card also, I've got them at a good price,part of me thinks coinbase will just cancel the…
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Newbie questions on Asset Allocation and Passive v Active
To give you a bit of background on what I want to use this for, I am 45 and currently have a pension pot of about 215k, I want to move about £90k of that from old high cost, underperforming schemes into a SIPP, for me that is obviously a significant amount so would like to do it "right". At the same time I am looking to…
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Etoros' costs
I am thinking about buying some bitcoin. I understand the risks and I am going to use the little money I have left at the end of the month. I have plenty savings as well, so I am not using all of my savings to bet on bitcoin. I just want to invest a very small amount to understand the mechanics of it. I am trying to…
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Bitcoin's gone a bit quiet
A 30% plunge in a week, approaching 2008/09 GFC proportions, and not a peep. I wonder how many have been badly burned by buying into the recent hype and are now hoping for a 50% rise just to cover losses. I'm not trying to be inflammatory, just an observation about the recent lack of commentary and threads
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So I have £30,000 sitting around
Hi all! First time posting here! Hoping to learn a lot from you all! I am a student at uni who has been saving money from summer jobs, £6000 inheritance, childhood savings and slowly worked up to £30000 (now I have £37k!!) in my bank accounts at this point. I feel very blessed! I would like to know how to get the most out…
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Online identification failure
Over the years I have opened several online accounts with building societies without any difficulty. However, my wife is invariably asked to supply certificated copies of documents such as passport and driving licence, and sometimes copies of bank statements, to prove her identity. This is very tedious and time consuming,…
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Virgin Money - hiding closed accounts?
Does anyone know if it is possible to hide closed accounts on the Virgin Money online banking? It's nice that they are still accessible, but it would make sense to group them near the bottom of the screen. Wasn't a problem before as the closed accounts just happened to appear last in the list. But now my matured regular…
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Concrete Garage v Brick Garage
Hello Forum, I was planning on getting a concrete garage installed and would like your advice as to whether it is worth saving more for a brick garage to add value (if it does) to our home, if we decide to move in the future. I would like the concrete garage as it gives us much needed space for gardening equipment, kids…
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Any recommended Android apps to track portfolio (including funds)?
Hi All I've got a stocks and shares ISA with a no frills provider who does not offer a app, my pension provider is also similar so was looking at decent services where I can manually enter my portfolio of shares and funds and track the performance easily both via the web and a mobile (Android) app, in the past i've seen…
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Income Fund to compliment VLS 60/40
I'm looking to invest in a cheap Income Fund to compliment my current investment in VLS 60/40. The L&G High Income fund is pretty cheap to own with a yield of around 5.90% paid quarterly. However, am I duplicating investment sectors/holdings by doing this? Objective is to use VLS for growth and L&G (or similar) for income…
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Cryptocurrency Wallets
Hi, I've been thinking of purchasing a small amount of cryptocurrency, can anyone advise a good cryptocurrency wallet to store it in?
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Has 2017 Been good for you?
Hi All, Financially has 2017 been a good, bad or indifferent year for you? What were your highs and lows and what if anything would you do differently? For me it was my best year since 2014, I still think I could have done much better in terms of saving and offsetting debt but I am in a much better position going into 2018…
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Transferring shares to spouse
Hello, I'm considering transferring some shares (around £31k) to my wife as she is a non tax payer and i'm a higher rate tax payer however i'm not sure of the benefits of doing this. The dividends from these shares is just under £2k pa so I believe they will still remain tax free to me next year? Am I right in saying the…
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IFA Whilst Living & Working Overseas
Hi, I am currently living and working in Singapore (on a local contract so paying tax there) and would like to obtain some independent financial advice. I have contacted one IFA here in England and they have responded that they cannot help me as I am not a UK tax payer. I plan to return to live in the UK within the next 2…
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Virgin Money Maturity
I am not too impressed by Virgin Money. Their Regular E-Saver Issue 2 was due to mature today. So, I logged on earlier this afternoon only to see the maturity date had been changed to tomorrow. OK - it's only a day, but I was looking to move some money around today to enable me to buy Christmas presents etc. I've sent them…
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Virgin Money Regular Esaver Issue2
Virgin Money Regular Esaver Issue2 I've been waiting for this issue to mature today, 20th December 2017, as specified in the documentation and in the account details when I login. At least that what it said when I last looked at around 15:00 this afternoon. But when I logged-in at 16:15, the maturity date now states 21st…
