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IFA - first time user
Hello, Thanks for your patience - I've posted several times today! Bit stuck today with thoughts about our future. Is it worth seeing a financial adviser to help us decide what to do with any savings and investments we have and just to help guide us along the over 50s path. Are there such things as initial, useful, free…
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Transfers of funds with different classes?
Has anyone any experience of transferring funds between platforms when each platform offers a different class of the same fund? I'm waiting for a reply from the platforms concerned and have read assorted things online ranging from "you can't" to "you can, they just make it difficult".
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Has the Virgin money e savings regular saver gone?
I know there's an issue 12 branch only regular saver paying 3% but I can't find any online equivalent, is a new issue expected soon if anyone knows?
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SIPP for 71 year old mum
Hi my mum just has the basic state pension but has a lot in her current account. Until she's 75 could she open a SIPP and deposit £2880 each year and get the 20% tax relief?
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Close Brothers Platform Any Good?
Anyone using it and have any thoughts on its website/usage etc. Also, you cant seem to see their funds list without signing up first. Do they do the big hitters such as Fundsmith Equity/Lindsell Train/Vanguard etc. Thanks,
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What does this mean?
https://government-backed-sector.com/?utm_source=google&utm_medium=ppc&utm_campaign=bonds&utm_term=uk%20government%20bonds&gclid=EAIaIQobChMI2pLb6ZD33AIVBrTtCh3GjAbtEAAYASAAEgJANPD_BwE How does the " government backed bonds " work? Or is it some scam that these people can get away with?
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Halifax Share Dealing no longer allowing some IT purchases.
I got a letter from Halifax earlier this week saying: “On 1st Jan 18 new rules changed how ITs and Funds can be traded. because of these changes we’ve taken the decision to withdraw the option to make further purchases of some Of these investments” In my case this just affects Twenty Four Income Fund IT. (I have about a…
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Keeping a little bit of parental control post 18
Hi everyone, my twin sons’ kids savers are coming to an end at age 17. They already have a lump sum in a junior ISA which they’ll get at 18, and I’d like to keep a little control over the rest. It’s about £20k so enough for something big, like a house deposit , or to help with tuition fees. I don’t want to put it in my own…
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Farmland / Timber Funds
I've been considering agricultural land and timber investment as a future diversifier away from equities (and bonds, which I'm less keen on these days). Does anyone have experience of funds in agricultural land and / or forestry? I've looked at some forestry ETFs online (eg WOOD). Anyone bought them? I have read that UK…
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Property Funds - Europe
I've been having a look online for property funds in Eastern / Central Europe. There seem to be some REITs, but mostly in Western Europe. What structures are used in Slovakia, Hungary, Czech Republic, Bulgaria etc? I'd probably be sticking to only EU countries for now, as that gives me more faith in their regulatory…
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Defensive Global IT's/funds
I am about to transfer out of a personal pension (from SJP) in cash to open a SIPP. I would like to have a global IT or fund as the core holding say around 30%. At the moment, I am considering either Lindsell Train Global Equity or Fundsmith for the fund options. For the IT options it is Foreign & Colonial (FRCL) or Mid…
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Individual Investments or SIPP?
I have been thinking about investing around £5k to £10k in either the HSBC Global Strategy or VLS60 fund. Maybe a mix of the two. I'd be interested in people's thoughts on that one. I'm looking for some capital growth through investment in the broad range of classes both of these funds offer across the global markets. What…
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PRODUCT RECOMM FOR Euro term DEPOSIT
I am in the need to protect some savings from pound / euros Exchange rate risk and inflation since I gain money and sabe in pound but intend to purchase a house in Euros in Italy. I have done an extensive research and realised the following: 1) there is no bank in the UK giving you interest in euro deposits (and there are…
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Nottingham Building society - Beehive Money
Have an Online account with thme. Just had a letter announcing their new Beeline account to which they,'re moving all online savings later in the year. Savers will still be members of the building Society but lose their member rewards and they,re not increasing interest rates as a result of the recent B of E rate increase.…
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25k, 4K debt, want to buy a house.
Hi all , Have just sold my first house that I owned with my ex partner. I’ve come out with 25k and want to know the best place to put this, in a year or so I want to look at buying my own place, so will need to be somewhere that I can get at it pretty easily, and also add to. I’ve got 4K debt on a credit card currently, I…
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Reccomend a simple investment platfrom for the novice
I have a ISA with Charles Stanley Direct. In it I have a Vanguard Life Strategy 60 worth about £5000 which has been there for 4 years or so. I have £30K or so not doing much elsewhere and wanted to invest it for 5 years or more. I wouldn't mind exploring different ways of investing it but I don't really find the Charles…
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Moving money abroad with losing out due to exchange rate
Hello, I am from the UK and worked in southern Ireland a few years ago. I opened a bank account there so that I could receive my wages without losing out due to the currency conversion. Every year I travel back to the south to reinvest my money in an interest earning account. Last year I earned £100 on my money however the…
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Fund question
Is the blackrock long term class 8 fund a multi asset fund? Thinking of switching to fidelity multi asset allocator? Hoping someone with far more experience to help. Thanks in advance
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Transfer woes, iWeb...
Honestly I despair at times. Apologies for the length but posting here for reference and any comments are always welcome. Initiated a transfer from IG to iWeb mid May 2018. My index tracking portfolio has just two lines of ETF stock. How complicated could it possibly be. VWRL - Vanguard FTSE All-World UCITS ETF WOSC - SSGA…
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I just can't give my money away !
I wanted to set up a couple of bare trusts for my (now adult) son and daughter - just to give them a bit of a helping-hand with their future pensions or income when they reach retirement age, but I can't find any providers out there who will give me this option, without me having to wade through the treacle of their…
