-
Help to Buy ISA
Our daughter’s boyfriend already owns a house with a mortgage. If she wants to become a joint mortgagee on the existing mortgage, can she get the bonus from her Help to Buy ISA?
-
Advice on investing in Vanguard and HSBC funds
Hi. I am a first time investor and after reading on the forum plus researching around for long term investment (10+ years), I would like to put £40,000 each in HSBC Global Strategy Balanced Portfolio and Vanguard LS60 (or maybe even VLS 80). To be more cost efficient, would it be better if I invest directly with Vanguard…
-
Investment Trusts?
I have always only invested in shares and funds, never in Investment Trusts. Could more experienced investors give their opinion on the benefits of opening one or more, and perhaps giving their opinions on which one's are worth considering? Thanks for any/all replies.
-
HELP! How do I close my Tesco Fixed Rate Saver?
Hi, can someone please advise me how I can close my Tesco Fixed Rate Saver? I have a 2yr saver, but after only 1yr, I need urgent access to my savings. I asked them but I can only get access if for example I’ve been diagnosed terminally ill......basically anything that is classed as exceptional circumstances. I need this…
-
Opinion - The High Street
Just out of curiosity really - but with some investment implications... What do people see as the future of the British High Street? It seems to be declining more and more. Empty shops etc. Will it end up converting to housing? Or something else? I've seen the High Streets in European towns thriving - so why aren't they…
-
Stocks and Shares ISA when Moving to Ireland.
Hi all, appreciate any help with this. I am moving to Ireland in November. I currently have money in a UK Stocks and Shares ISA. If I continue to buy shares and hopefully make gains after I move, will I be able to sell those shares and transfer the proceeds to Ireland without incurring additional tax? Thanks
-
Stocks and Shares beginner ISA question
I hope this isn't too silly a question, here goes; If I invest £20,000 in a stocks and shares ISA and the value of my investment plummets to say £10,000, and supposing I decided to cut my losses and sell, would I then be able to invest another £10,000 sheltered under ISA in the same tax year. Thanks
-
Vanguard account requires debit card
I just tried to open a Vanguard General account. It states that you can fund the account by BACS, which is what I would expect. However it then directs you to a screen to enter debit card details and doesn't provide any way to continue without it! I don't have a suitable debit card. Anyone else seen this is is it just a…
-
An adventurous investment!
This has just launched: a good home for any money you don't mind losing! https://www.etf.com/sections/daily-etf-watch/china-biotech-etf-launches?utm_source=newsletter&utm_medium=email&utm_campaign=dailynewsletter I hold the related ETF KURE, and it has certainly given me an exciting ride! (At one point I was up 30 per…
-
Global Small Caps proportion of equities
I have an ISA that is currently entirely invested in Vanguard LifeStrategy 60. Overall, I'm reasonably happy with its equity diversification of ca. 14% UK stocks and 46% non-UK stocks. However, I'd like to increase my exposure to global small caps which are not really represented in the LifeStrategy series. The question is…
-
How to setup DD payment from Paypal?
I manage to deposit money to my paypal and withdraw the fund to my bank. How to setup a DD payment ?
-
Keeping funds as $ or transferring to £
Hi, New to forum so not sure if I'm putting this in the right place. My father recently died and was a dual national, UK/US. Most of his estate is in the US, and I have this week received 2 substantial cheques in $ which I need to deal with. Not sure if I'm better to just pay into my bank account (First Direct) or look at…
-
Bonds vs Equities
Ive been advised to hold a portion of my funds in bonds as a hedge on equities as their prices move in opposite directions. However what i see by intuition is that rising interest rates make both equities and bonds relatively less attractive. Rising interest rates usually denite tge end of a business cycle and a slump in…
-
One Family Junior Save
Hi I opened a junior save with OneFamily for my son in October 2013 and paid in £15 monthly, There is only £711.33 in at present and it says the unit price has increased by 3.25% after charges. One Family no longer run this account. My son has £600 in a S&S ISA with Vanguard- can anyone advise if I would be better off…
-
Advice on saving for a mortgage
We are planning on buying a house this time next year and I am looking for advice for the best way to save for one. My wife works part-time and I am self-employed, and we have no savings at all. I will be getting a lump sum (£10,000) in December, and until then finances are a bit stretched. After December we will be able…
-
UK Smaller Companies & Mid-Cap
I currently hold Henderson Smaller Companies (HSL) and JPMorgan Mid Cap (JMF) in my ISA portfolio. I've been very pleased with both but now I'm considering selling because of the uncertainty of a no deal on Brexit. This would surely have a bad effect on UK Smaller and Mid Cap companies? Any views appreciated please.
-
Advice for a new investor
Hiya, I have just graduated from university and am have £1,500 in savings that I am looking to invest. I saw an advert for the app 'Moneybox' and was wondering whether that app is a good place to start or whether I should be looking to invest using a stocks and shares isa on a more established platform. Any advice for a…
-
Corporate bonds - how much risk?
Hi, I'm looking at corporate bonds secured by assets, with additional Risk Mitigation, e.g. Lloyds of London insurance, since they offer good returns. They come with disclaimers saying they should be consider highered risk investment. Could somebody explain how much risk is involved? Thank you
-
Bank Savings Loophole
Hi, I'm new to the world of money, money saving and finance etc and while trying to find my way I stumbled across the Bank Savings Loophole page. This page can be found by searching bank savings loophole (as I can't post links) but at the top it says the page is archived for so and so reason and says the information may…
-
PeacefulWaters
Bumped into this, I'm sure many of us remember him https://forums.moneysavingexpert.com/discussion/5869818/peacefulwaters https://davestringertravels.com/
