Savings & investments

Archives for August 2018

How can I sell/trade in stock held on JSE?
Hi, If anyone can offer me advice on my condundrum I'd very much apprecaite it. A few years ago I bought 238 shares in a company through Halifax Sharedealing. At the time the company were trading on the LSE but they were then bought out by a company that sat on the JSE (Johannesburg Stock Exchange). Not a problem I…
What is the best way to both to save and live off £50,000
Due to ill health, I have been finished at work, and just been told I will be getting £50k compensation. It is unlikely I will be able to work again. I need to make this money last as long as possible (I am already frugal, so don't need general money saving tips). So my question is: What is the best way to both to save and…
Secure Trust Bank
As title , I have some cash to put away & would like some info on this Bank if anyone can help, just wondering if it is a secure place I have not opened any savings accounts Online before & I am wary to tell my Bank to send the money. (not like walking in a High street Bank or B/Society feeling confident your money is…
Do I have to pay tax on trading?
Hi, I have started trading as I want it to co-fund my rent. I do work full time so being told I have to pay 2 types of tax is really not appealing, especially with little help given. I have started with £1000 to spend on various markets (technology, currencies I.E USD, EUR/USD etc,) - Yes, this is with a bit of research I…
"I'm 28 with £50,000 savings . . "
Came upon this article today and thought it contained some good information for general advice: https://www.telegraph.co.uk/investing/funds/im-28-with-50000-savings-how-long-before-i-can-afford-to-quit-wo/
Interest Payment Types - Choosing between fixed rate bonds
Hi! I'm looking to invest £20,000 in a fixed rate bond for two years and the two best I have found are offering 2.24% (Axis Bank) and 2.26% (Secure Trust Bank). The reason for pause in just choosing STB for their higher rate is that it says interest is paid yearly whereas Axis pays 'on anniversary'. Now, I don't know if…
how to save 130k - lump sum help!
My father recently passed away at the age of 58, he died while still in work full time. My mum has received a widows monthly pension and a lump sum. She is also due to receive a substantial amount from dads life insurance. This will total approximately 130k (after expenses/debt/funeral has been paid) We have never had this…
SOA & Current Saving/Investment Plans
Hi All, I've gone anonymous for this but am a long time board user and spend a lot of time on the Savings and Investments threads reading all your advice, contributing where I can and trying my best to apply the parts I find helpful to my own situation. I think I'm doing OK and do know I'm in a relatively nice position…
Fixed-rate savings vs inflation
If I get a fixed-rate savings account what happens if inflation gets really bad? I keep hearing stories that we might drop out of the EU without a deal and that this could mean a serious fall in the value of the pound and high inflation. Does anyone have any idea of how to protect savings in the above situation? I have…
Asset Alloc and Hedging in VG LS20
My portfolio has done very well recently - it is currently dominated by Vanguard Global All Cap, with a bit of Vanguard LifeStrategy 20 as a (sort of) bond fund, as well as some P2P and cash. In fact it has done so well that it has achieved my personal 'the number' quite a few years earlier than I was originally targeting.…
"Momentum" factor vs rebalancing: confused!
Hi, I thought I had grasped the importance of regular rebalancing your portfolio. Well, till when I started reading upon smart beta, alternative weighed index and factors investing, which seems to all have academic background and having been tested for many years. One of the factors that I was intrigued by is the…
Alternative to VLS
It's been a little while since i did some reading on investing. Have been looking at fund-of-fund type options. VLS (Vanguard Life Strategy - 40/60/80/100) seems to be 'the biggie' name that's thrown around but from what i understand there's UK bias with these(?) and a fund with more of a global covering would be more…
Calling all money/personal finance nerds (self-confessed or otherwise)
Hey hey. I came across the term ‘personal finance nerd’ and realised that I have a bit of that in me. I wanted to hear from other money/personal finance nerds and ask what makes you a money nerd? And how does that influence how you manage your finances in terms of spending, saving and use of credit card/s? And what are…
Advice on comparing investment managers
Hi, I'm trying to get some advice on finding a suitable discretionary investment manager for investments owned by members of my family. We currently have a total fund worth around £750k to 1m (depending on who is included) that has been invested for us by Smith & Williamson on a discretionary basis for a few years.…
unit trust fund performance
Quick question , do the various fund management fees show in the yearly annual growth figures? With a fund showing 10% annual growth would the true growth be around 8.5 % when the management fee are included .
TSB Online Accounts
I was going to open a TSB Classic Plus Account last night, but they are upgrading their systems so it's not available right now. I already have the Nationwide Flex account, paying 5% on £2,500, but are their any others similar to this with 5%, but aren't yet on the MSE site? I was particularly attracted to both these…
OVO energy 3% interest on account
Any opinion, I have switched to OVO energy, very competitive and pay me 3% interest on my account, so I just boost this rather than having a savings account.:money:
Calculating monthly gross interest on savings
Out of curiosity, I was adding up my gross interest on my savings accounts, to get an idea of how close I might get to going over the 1k allowance for tax. Two of my accounts pay interest monthly, so it's easy for me to add them up for this financial year thus far. However, I have an app-based savings account with Atom,…
Equiniti Shareview email address
Anybody got one? I want to ask them some generic questions about share dealing, but all I can find is a phone number (no thanks, I want to do this in writing), or a postal address. There's not even a messaging service available to registered customers. [RANT] Absolutely unacceptable for there not to be an email option. If…
?dediversifying to buy "dream" property
I believe we (as a family) are pretty well diversified money wise at the moment; have a mortgage free home, a BTL, S&S ISA, direct stocks (though company salary sacrifices), premium bonds and some cash reserves & good pensions. Really cannot complain. Now a property has come up for auction that would be a "dream" type…

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