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Ordinary Shares - What rights do I have?
While working for a company a few years back there was an industry downturn and the company needed some fresh funding. They asked some of the staff to invest some of their money in the form of Ordinary Shares. This was back in 2015 (I then left in 2016 but they declined to buy back my shares) and since then I have not…
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VWRL, SWDA or HMWO?
I am looking at investing in a World ETF and am trying to decide between VWRL, SWDA & HMWO. VWRL & HMWO yield around 2% whereas SWDA I understand has no dividend yield. HMWO is much smaller than its mainstream large share fund rivals VWRL & SWDA so could this be a disadvantage? The charges are roughly the same between 0.20…
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Best Way To Invest/Save c£8k now and £1k/ month
Afternoon all, Never having been particularly good with money I've never been particularly familiar with the saving options open to me. I'm 38 and plan to buy my first (so bad) house with my better half (she's owned before) in about 18 months. I have about £8-10k in a savings account at the moment with Barclays Plus a Help…
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Are we doing anything silly??
Hello there, I’m looking to get a little steer just to make sure we are not doing something stupid or if we should be doing something different (very high possibility here). Our situation is as follows: My wife and I earn relatively well and our gross income is around £145k, we are 3 years into a 10 year fixed rate…
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RateSetter Rolling Queue
Just started dipping my toe in p2p lending... I put £100 into the rolling market yesterday, the queue said: 3.7% £303.0k 3.7% £100 3.7% £617.4k 3.6% ... Today i logged in and looked at the queue to see the following: 3.7% £263.9k 3.7% £100 3.7% £1.0m 3.6% ... So my question is, why is there now £1m ahead of me in the…
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Silly question time: one investment to buy NOW
You have to buy one investment using 50% of your investment wealth to hold for ten years. You have to buy it in the next ten minutes which rules out OEICs but allows shares, ETFs, investment trusts, individual bonds etc. What would it be? I would go for Monks. (They’ll be waking up on the East coast where bostonerimus will…
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LISA vs Pension
Not sure what to do. I am basic tax payer, with work pension where i contribute about 10% (get max benefit from work). I have more cash available for long term investing. Should I increase my % contribution or put money in a LISA? On longer horizon which one does better? Cause with Pensions I would need to pay income tax…
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Nest egg for great-grandson
My mum (87) wants to put some money aside for my grandson (18 months) so that he can't get at it before he's 21. A bit old-fashioned maybe, but her logic is that this will make it less likely to be blown on a gap year, etc. She doesn't want the expense and hassle of doing this formally in her will. Bright ideas welcomed!
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Virgin money
What is the best Virgin money stocks & shares isa investment ?
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25 year old.. How can I retire ASAP?
Apologies if this is in the wrong section, I'm just looking for the best advice for me moving forward. I'm 25, not too far from 26 and I really don't like working. I don't want to be working 8 hours a day for the rest of my life, I want to have the option to stop working and do something that's more fulfilling for me. I do…
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How should I invest £700 a month?
Hi all, a bit about me: - I have a house worth about £300, 000 with an outstanding mortgage of £154k + 53k equity loan. I'm paying capital + interest with 26 years outstanding - 1.74% fixed interest rate. - I have a Teachers' Pension with a current value of approximately 9.5k annual income on retirement. Having been…
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Passive trackers
After my recent thread on active v passive funds, I would like to move half my portfolio into passive tracker funds(Which will be into a SIPP) I am not an expert so want something that is invest and forget. Other than the initial bulk transfer there will be a monthly drip as well. My horizon is 15 years and I am middle of…
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How to maximise income from house
My mother has dementia and has just moved into a care home. The monthly fees are £4023. Her house is worth approx £400,000. What would people recommend to do with the house to maximise income from it? We can rent it out at about £1300 a month (minus management fees (10% + VAT) and tax) or sell it and invest the money. Mum…
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Lump sum of money
Hi there, Can someone please help me. I will shortly be receiving roughly £80 000. I do not want to use this money and at this moment I do not want to invest it either. I am just looking for the best bank account to put it in, with the best interest rates and be able to access it if necessary. The accessing bit can be in a…
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De-risking equity portfolio..?
Hi all, I have quite a lot of money invested in shares and think i should start to slowly de-risk by selling at opportune moments and then buying into something else. The problem is, what should i be looking to buy into?
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Dividend reinvestment
I've logged into my Halifax sharedealing account, brought up the dividend reinvestment account and expected to see at least some profit from my early investment (GSK, ULVR, NG and VOD) yet all are in the negative after 4 years. I figured it's fluctuation and im playing the long game so i checked out my last automatic…
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NS&I Fixed Rate Renewal
Just had my renewal through for my NS&I Fixed Interest and I'm not sure what to do with it. To be honest, it's the last fixed term interest one I have. Took it out 10 years ago, at the full value. My options.. Another 5YR at 2.15% 2YR at 1.55% Get a new car or a massive party I really don't see the point of that interest…
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Complimentary funds alongside Vanguard LS 60
Im wondering what peoples thoughts are about what would be a good fund to hold alongside the vanguard lifestrategy 60. Or, is there no real need for an amateur investor like me to worry about investing in another fund and just put all my money into the VLS60. All suggestions and reasoning welcome.
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Confused about trackers
I am a little confused about trackers. In a market where there is more volatility would active funds not be bette than trackers? I understand that over the long term trackers and active funds are about the same, but say over the next 10 years, shouldn’t the latter do better? I ask as I am wondering whether I should just…
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Aldermore
Is there any reason why you are recommending Aldermore 1.7% for a one year fix I only ask as i was considering it, but just seems strange why you are not recommending them
