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Is this a reasonable plan?
I am moving out of the UK to work this year and as such I will no longer have access to my DB pension. Therefore, I'm going to invest an amount equivalent to my current pension contributions plus my current employers contribution plus a bit more to take account of the fact that I won't be in a 'gold plated' public sector…
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SIPP + Investment Options
Hello experts, I'm 35 and own my property with around 10k that I wish to do something with. I'm a low rate tax payer and because of a few health issues I will be taking some time out of work [living costs are covered from a separate source until I am back in work]. I would like to use some of the money I've saved over the…
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Selling shares
My elderly father-in-law has some shares that he wants to sell and he's asked me if I would look into the best way to sell them. I've never owned shares myself so I'm finding this a little bit tricky. The shares he has are in Wessex Water, National Grid, Centrica , BG Group BT and Lloyds Bank. Some of these seem to be…
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Where to put money for the next 4 months...
So I have sold my house and I now £150000 (deposit for new house) sitting in my bank until our new build house is ready at the end of June. Obviously I cant invest in anything that has any chance of losing money so I am looking for ideas on what to do with this to get the best return over the next 4 months. I was thinking…
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Help to buy ISA
Hi I've just opened a help to buy ISA but after watching the show I now have found out I'm not eligible for the bonus as I've had a mortgage before. Where as my bank told me I was due to not have a mortgage for a few years. What are my options now? * Leave the money where it is and just benefit from the interest? * Can to…
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What stocks and shares/ funds to invest in right n
Good morning. With the stocks decreasing quite significantly over the last few days where would you put your money? I'm looking at long term growth, 8-10 years stocks or funds. Thank you
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Best use of Voluntary severance payout
My partner will receive a voluntary severance payout. The intention is to have a buffer/emergency fund, which, hopefully, will never need using for emergencies. In this day and age of low interest rates (and possibly rising after yesterday’s Bank of England announcement), what would be the ideal way to invest this? Thanks…
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Mistake.. Should've opened a LISA
Hi all, What's the best course of action if i've opened a H2B ISA in the 2017/18 tax year but want to make use of this tax year for the LISA bonus? It obviously makes sense to go with the LISA as i'll get £1000 bonus for the 2017/18 tax year but don't know where i stand as far as opening a LISA now that I have already…
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tax
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investment property advices needed
hi everyone, would like some advices or ideas of what a brilliant idea I came up with last night in bed when I couldn't fall asleep. firstly im a self employed contractor earning just over the higher tax rate threshold, I used to live down south in and around London but couldn't stand the high rent and hopelessness of…
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Premium Bonds
Martin keeps saying that your chance of winning a prize with Premium Bonds in a year is zero if you only have £1000. I understand his argument about the median win but it is misleading. A more accurate description would be to say that, if you have £1000 of bonds, you should only expect to win once every two years with…
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Why not Youinvest?
I'm looking to transfer an under-performing ISA and had iWeb initially in my sights. My intention is to switch funds into a different range of funds. The costs at Youinvest are £1.50 to buy a fund and 0.25% annual custody charge (under £250K). I will be staying pretty static. Is this not therefore a very good deal? For me…
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BoE hints at earlier and larger rate rises - BBC
http://www.bbc.co.uk/news/business-42986729
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Easy access savings
Hi there We've recently re-mortgaged on our buy-to-let property and released some equity. This equity (under 80k) is now sitting in savings account that I've had forever which is paying no interest whatsoever...or so little that it's pretty much nothing. We are trying to sell our home (different property from the…
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How to withdraw your money from Coinbase
'Bitcoin – the word on everyone’s lips at the end of the last year – is in the news again, though this time the graphs are all heading in the other direction.' Read MSE Callum's full blog: 'How to withdraw your money from Coinbase'
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HSBC Safety
Hello, I am of course aware of the 85k limit for government protection but as I have sold some of my investments in order to purchase a property I was wondering what people's views were in terms of storing all these proceeds with one bank bearing in mind that the sum is well above the protection threshold. Said bank would…
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Lifetime ISA - Reinvest or Hold Cash
Hi All, First time poster and newbie to all of this so please bare with me :-) I am looking to open up a Lifetime ISA and I notice on Hargreves Landsdown that there is and option to Automically reinvest or hold cash. If i choose to auto reinvest does this mean that I could lose all my saving if we have a stock market…
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Unclaimed Disney shares - lost?
Hi, I was given a Disney share as a child, set to reinvest any dividends into purchasing more shares. I used to get the occasional update on it, however, many years and many house moves later, I've long stopped receiving anything. I still have the share documents themselves, but not any accompanying documentation. Being…
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Pension or mortgage?
-I'm 28, currently living at home, on £24k, and have around £30k saved up in a cash ISA. -I've only had a NEST pension for the past few months, so overall I don't have much saved up. -I'm probably looking to buy in the next few years. What's more useful, putting the money towards a pension or a mortgage? If the latter, is…
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Can't transfer out ISA due to failed eID&V
I put some money into an ISA many years ago. A fortnight I decided to change providers from Janus Henderson to Hargreaves Lansdowne so sold the Unit trusts and requested the transfer. Two weeks later I have failed eID&V and now have to send them Certified copies of my Passport and Driving Licence/Tax coding. The list of…
