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Savings & investments

Archives for February 2018

Small Scale Regular Savings
Hi All, Sorry if the information for this is elsewhere. I have had a look but nothing is obvious. I am looking to invest around £25 a month into an investment fund. I will be paying in indefinitely but want option of stopping payments at any point if my circumstances change. I don't mind longer (5yr+) maturity/funds locked…
Thoughts on Multi-Asset Funds for 2018
Hi, I have read a few views that there are potential risks in investing in government bonds due to rising interest rates and also the US economy where assets (such as FANG) are seen as being hugely over-valued. If you were to agree with this opinion, then this suggests that popular multi-asset funds such as the Vangaurd…
6k+ Help to buy ISA transfer to LISA
Urgently need some clarity on the below. Opened a HTB ISA feb 2016, currently has 6K+ in it. I also have a LISA with 4k in. Have only just become aware of the transfer opportunity and have heard conflicting information. (Deadlines with Skipton) Would I be better off transferring the entire balance (6k+) of my HTB ISA to my…
EIS/SEIS Relief Clawback
Hi there, I am small investor in early stage companies that benefit from EIS and SEIS relief. Sometimes the relief gets withdrawn /clawed back on account of the company being wound up before the mandatory 3 yr holding period (there are also other situations where the relief is withdrawn). In this situation does anyone know…
X-O /Jarvis broker awful service
Hi I have been using various online platforms over the years eg HL, III, Iweb, Vanguard direct and switched my shares to X-O last year due to their low execution fees eg £5 per trade, but their overall plaform is awful! Everytime you want to make transfers you have to email them with all details, no divi reinvest, simple…
Inheritance question
Hi All, I!!!8217;m sure this has been asked in a round about way many times on here(have tried the search with no luck!) My parents sadly passed away last year and on selling their house my share is £110k. I immediately paid off car loans and c.cards(were all 0% cards) leaving me with 80k. I have a £120k mortgage just…
Where can I buy these funds?
I am looking buy these funds for my ISA and SIPP portfolios. Hargreaves Lansdown and Barclays Smart Investor do not not trade them. Does any one know where I can get them? LU0897071535 Pictet-Emerging Local Currency Debt HI dm GBP IE00B50X2M99 Old Mutual Loc Curr Emer Mark Dbt Fund A inc Very important that I get the…
FTSE All World UCITS ETF
Afternoon, After reading the below articles I have been considering investing in the Vanguard FTSE all world ETF. Does anyone else invest in this or similar. Are they a good option for investing and leaving for 20 years with a view to a decent level of growth ?…
Building a Low Maintenance Long Term Portfolio
Apologies if this appears anywhere else on this forum - couldn't find it if it does. I'm trying to build a long term investment portfolio, with minimal maintenance once set up. I'm looking to invest £100k for 10-15 years. Medium+ risk. I've done a bit of research and built a few portfolios on Trustnet to see their…
Where to put short term lump sum
Hello everyone I am new to this forum so hope this is the correct place to post. We are selling our house and will shortly receive the proceeds of the sale. It will be about 9-12 months before we have to spend the money on our new house and I don't know what to do with it in the meantime. We bank with Nationwide and have…
Account for non-residents?
Hi - my sister is British but lives permanently in Australia. She would like to have a UK savings account that she could leave sterling in and draw on when she visits the UK each year. The only international account I can find requires a minimum balance of £25K - not possible. Anything I am not seeing?
Not sure what to do to maximise my savings.
I am 37 years old i work for the nhs pay band 2. I am in the pension which started early December 2011. I live with my partner (not married) who owns the house and will be leaving the house to her children. So as such have no long term security because of this I want to maximise my earnings from my savings. I have £5882 in…
Unexpected interest rate reduction
Just received this from the Coventry Building Society: This email is to let you know that we’re reducing the variable interest rate on this [30 day notice] account with effect from 16 March 2018. We realise that this isn’t good news for savers. However, as mortgage rates have continued to remain low, we’ve regretfully had…
Security Questions
Today I got a call from someone purporting to be NS&I wanting additional security questions, ie not the ones I use to log onto my account, but ones like in January 2010 you opened a bank account with either a, b, c or none of the above. Now I don't about you guys, but who remembers what year they opened an account. This is…
Morningstar.co.uk
I can't sign into my Morningstar account this morning. Anyone else got problems. Sorry I don't really know where to post on this one.
LISA bonus timing
Hi all, I am buying a house with completion looking to be sometime in April or May. There is a chance this could allow me to use my 18/19 LISA allowance and save some money, but I can't find the information I need regarding the bonus. As I will soon have held my LISA for 1yr, my bonuses will be paid monthly. However, what…
Any need to keep direct debits on Nationwide?
I have Flex Direct at Nationwide where the 5% has just finished & also the 5% regular saver still running. Do I still need to keep the 2 direct debits running & crediting £1000 per month?
Nationwide Flexclusive Regular Saver & ISA
Hi, I opened a Nationwide FlexDirect account on the 23rd of this month and today I went to try and open a Flexclusive Regular Saver & Flexclusive ISA. However their system is saying these accounts are only for customers with main current account who have been paying in £750 a month. Now the eligibility criteria on their…
Hi-Save bonus account with the ICICI Bank
Has anyone opened a Hi-Save bonus account with the ICICI Bank? I have followed a link via this site and opened my account. I am just about to set up my internet banking but I am slightly nervous about transferring the funds. All communication has been by email and which includes account number info and then unique ID info…
Should i transfer from a 4%H2B ISA to a lifetime?
Is it worth doing? Also should i consider anything other than Skiptons ISA?

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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