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P2P Abundance
I am not aware of any thread on this platform. Any forumers here can share their experience using abundance?
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Run my life!
I’m 38yrs old. I have £16K of investment in L&G International Index (ISA) I have £29K cash savings (I make use of ‘high interest’ current accounts as much as I can but I’m probably on earning 2% interest on average) Outstanding mortgage £53K (Tracker currently at 1.45%) I earn £30K but due to ill health am really…
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Help me choose LISA Provider and Fund
Hi, Ive read a few threads on here and I want to make sure I'm not missing anything. Im not sure if this make a difference, I had a H2B isa 2 years ago but closed it since I bought a house for over £250k. I am in my view medium risk in my pension and S&S isa (60-70% equities) so I want to be a little more adventurous with…
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forex market
Sorry I'm a novice in currency and Forex.. I was checking the currency rates and realised that GBP is strong now against USD!! I would like to have some USD for future personal use on USA holidays.. From MSE point of view-would it make sense to buy currency (USD) and keep at home to use for future holidays.. or buy in…
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First direct credit card 20 quids cashback
They are doing this offer until end of the month. Is this a good deal?
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HTB ISA transfer
Hi All, I have a HTB ISA (£5.6k) with Halifax at the moment and wish to open a Skipton LISA in the very near future. I know as I opened the HTB ISA in April 2016, I am eligible to transfer £4k into the LISA without it contributing to this year's £4k limit. My question is - in order to deposit a further £4k from my…
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DIY-ISA, Ready made-ISA & Google Shares
I've still got this years ISA allowance and was looking into opening a Ready-made ISA portfolio with a company like H&L (I have about £6,000). I then thought, why don't I just stick the £6,000 in one company (someone like GOOGLE) via a DIY-ISA wrapper (leave the money there for next 10 years and see what happens and it…
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possible house purchase
Hi over the last few years we have saved money into vanguard isas which to date have a return if 40%. We are now looking to move house and these savings would be used to purchase a house. We have not yet found something worth putting an offer in but I was wondering if we should sell our funds now considering that many are…
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Stocks and Shares ISA's
Hi I have a stock and shares isa for 5 years. It has around 5k in it and the returns are fine. Some people have advised me it's better to freeze it and then open another one with another provider. What's better continuing with the current stocks and shares isa or spreading the ISA portfolio by freezing and creating another…
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My wedding saving journey
We got engaged on September 1st 2017 and now we're begining to save for our wedding. I hope to get married in july 2020. Our original budget was £5,000 but found a venue that does 80% of the day for us for £6,000 alone if not a little bit less as we may not need some of the things included. My/our goal would be £8,000 now.…
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Why do vcts underperform small cap?
Hi everyone I read that average vct return over 10 years was 82%: https://www.ftadviser.com/investments/2017/03/01/vcts-return-82-over-past-decade/ Pffft I say, hardly shooting the lights our. Surely there should be a size premium and a liquidity premium? Or do the tax advantages of vcts mean they're overpriced? Or maybe…
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Investment company had vanished !!
Hi Folks My elderly father invested a large sum of money (against everyone's advice) and now nobody knows where they are !! He originally invested in a company called Anglo Manganese which somehow merged into a company called Benefication PLC. He has never received any dividends from them . Their phone lines are debt and…
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Fire and Forget, or Tracked All The Way
Just for curiousity, how often do you log on to check your portfolios, what is your rational for doing it that way and do you feel that it has helped or hindered your investment planning ? I'll set the ball rolling with I look every day I like to know if my planning is working Its helped me to focus on the long term plan -…
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Tax on interest
My wife and I have several savings accounts in joint names. However, the various linked bank accounts have either only her name or only my name in each instance. We have the savings funds spread between us to maximise tax free allowances. Does it matter from a tax perspective if a joint savings account has only one name on…
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Timing the market
Over the next week or so I will be investing in VLS and HSBC. However many predicting a crash is on the way. I know the saying it's not timing the market but time in the market. Is it worth holding off 12 months or is it literally a case of nobody knows when the crash is coming might be 4 months might be 4 years in which…
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The DOWN JONES Index
So the Dow Jones lost 2.5% today and is down 4.3% for the week.......the sky is falling.........easy come, easy go. Seriously some air needs to be taken out of the global markets and I expect there's a lot more to come. https://www.youtube.com/watch?v=XypVcv77WBU
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Templeton Emerging Markets IT - bad, good...bad?
What are people's thought about this IT? After a long period of under-perfomance under Mark Mobius it found its way under Carlos Hardenberg (except, of course, in the few months since I bought it). But this year, a couple of weeks after MM says he is retiring (at a decent age), the younger CH resigns. It doesn't feel good.…
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Best SIPP for US stocks
Good evening, Most UK SIPPs charge high FX fees for buying US stocks. Any ideas what SIPP to use? Am investing 5-10 times per year, ie no heavy trading. Interactive do not offer direct SIPPs. Thanks
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Buying ASX listed shares in the UK?
I've recently started to [STRIKE]gamble[/STRIKE] [STRIKE]dabble[/STRIKE] invest very wisely in overseas stocks. Flippancy aside, I'm in the fortunate position of being able to fully fund the annual SIPP and ISA allowances in a sensible fashion whilst having a little left over for more for more speculative investments in…
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First Time Investing help
I am looking to invest a monthly sum into an index fund, say £100 pcm as a way of building my money. I already have taken advantage of all the bank current account interest deals, so the next step is to invest some of my salary. I am an absolute newbie to investing so please be gentle with me! I have been looking at the…
