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Generali Worldwide Vision Plan PPB scam due to excessive charges.
Hi All, I know I am not the only victim (by far) but cannot find any grouped action taken so far. I have serious issues with Financial Institution Generali Worldwide based in Guernsey, and I would like to take legal action. In 2010, I have invested 300,000 Euros in Generali funds/plans, via an agent David Sehgal working…
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Investment & rent or shared ownership (in London)
Disclaimer: Utter newbie here and stumped but willing to learn, just a bit overwhelmed. Put simply - I have saved a good chunk (40k ish) that I was intending to use as a deposit for a flat on shared ownership in London. However and re-considering whether it is more worthwhile to rent and invest that saving instead (single…
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Barclays ring-fenced
Can anyone help? About 3 weeks ago I read on MSE about a savings scheme that is ring-fenced by Barclays. Unfortunately I didn't take down the details - and now I can't locate it anywhere on the site. Can someone point me in the right direction please. Many thanks.
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Keeping Investment in Income Units Rather Than Accumulation Ones
Hello Guys, I just would like to know what your opinion is on investing in income units as opposed to accumulation ones for a particular fund. Considering that I reinvest my income anyway, are there any advantages for me to invest in accumulation units? Most of the growth funds I hold produce a negligible dividend but…
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Growth calculations
Hi, Have a BTL property that is starting to cause a few more headaches, so looking at options if we sell up and invest the money. Part of that decision process is working out what the house has yielded since we owned it in 2005, and what could have been obtained in a mixed asset fund over the same period (I realise past…
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Nationwide and TSB won't pass full interest rate rise on to savers - MSE News
Nationwide and TSB have confirmed they won't pass on the full interest rate rise to most savers - despite doing so for mortgage customers...Read the full story: 'Nationwide and TSB won't pass full interest rate rise on to savers' Click reply below to discuss. If you haven’t already, join the forum to reply.
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What to do with inheritance
Hi, Just about to inherit approx 200k and was wondering what to do with the cash. I'm currently 50 with a pension worth approx 650k + 15k annually going in and the wife with a final salary pension. We both will have max state pension credits by retirement. Looking at retiring in 7 years time when 2 kids have been through…
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Investment advice
Hi, I'm 33 with £115k savings. I own and manage one student HMO and was saving up for another but don't feel like it's a good time to invest into student market where I live. I'm therefore looking to invest elsewhere. I'm thinking of putting a little bit into P2P and splitting the rest between stock market and a property…
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Citywire fund ratings
I am looking at Citywire's fund and manager data/ratings which seem very useful. One thing surprising me is that, for a number of funds, there is a correlation between high returns and low risk. For example, over three years Man GLG Continental European Growth rates 3/108 for return, 1/108 for max loss, 2/108 for risk and…
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Best one pot solution
Being a bear of simple brain I wanted to put my savings in one place rather than opening a set of different apps and internet accounts. Currently getting terrible rates from HSBC 0.1 % on their Premier Saver - feeling not very special! The balance is at 215K but about to go up to 400K. This is sparking me into getting…
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Investment advice for person panicking about Brexit
I am a pretty ignorant investor who had a bit of cash to invest 3/4 years ago and just follwed some very basic advice on spreading risk etc, I believe from the telegraph. To my surprise (and probably because of underlying market conditions or luck I suspect) the value has gone up 38%. This is my current holding. I have…
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S&S Isa advice
Hi all Hoped I could get some advice on S&S Isa. I've been paying in £150 p/m to two funds via HL for last 5+ years (Jupiter Merlin Worldwide & Stewart EM). I've kind of left them during that time and they've grown modestly, both in quartile 3/4, and now considering my options. I don't spend much time analyzing performance…
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Coventry Building Society -Rates announnement due..
Going onto the Coventry Building Society web site your greeted with a message that states they will be reviewing their savings and mortgage rates on August 23rd with the intention of apply the new rates from the 1st of September. Should be good news for savers,perhaps no so for those with loans or mortgages.
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Interest on child savings
I am doing some research for my sister who is looking to start saving for her child: From what I have read, you can only earn £100 interest on child’s savings per tax year before you pay tax, is this correct? Can someone explain in simple terms how tax works on children’s accounts, I'm getting confused and also, would you…
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What to do ??
Hi, I am actuall trying to help a friend (really), because I see no sense in what he's doing, so looking for advice I can show him, to help maybe change his line of thought. He has an investment he says is a "With Profits Bond" shared acc with his ex-wife, has quiet a bit in it, but he tells me he can't use it, because if…
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L&G Property Fund PAIF vs L&G Feeder Fund
Hi All, I've been looking at options to increase the property allocation within my SIPP and after a bit of research I think i've sort of got a loose grip on the difference between a PAIF and a Feeder. My understanding is that given the option between the two then those inside an ISA/SIPP would likely get a better return by…
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Contingent Value Right (CVRs) - what are these
Hi, My mother had shares in Ladbrokes which were replaced by shares in GVC Holdings. She now has two certificates for GVC Holdings: one is a "Share Certificate" and one is a "Contingent Value Right Certificate" (CVR). From a brief search on the web it seems the CVR is some sort of right to future benefits or entitlements…
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Nationwide after BoE Interest Rate rise
Nationwide will not pass on full 0.25% interest rate rise to most savers https://www.theguardian.com/business/2018/aug/06/nationwide-will-not-pass-on-full-interest-rate-rise-to-most-savers Nationwide is not passing on last week's Bank of England 0.25% rate rise in full to savers in the first sign that big financial…
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Trying P to P
This is my experience to date of lending through the Funding Circle Peer to Peer website: About a year ago I invested (or strictly speaking 'lent') £25k through Funding Circle, this being a small part of my assets so I need not mind too much should I end up loosing the lot. My intention was to review the situation a year…
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Help me choose a Global Fund?
Evening All, Following many of your contributions to my previous thread, where I looked to gain opinions on whether I should reduce my Fever Tree holding, it was kindly pointed out that even though my intentions were in a good place, I was stupid to spread around £3500 (not including fever tree) across multiple tech, asia…
