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more than rebalancing: keeping it mechanical
we know you can hold a fixed % of shares (e.g. 50%), and rebalance back to that percentage, by selling a few shares when they've risen, and buying a few more when they've fallen. and this is a way of "buying low, selling high". and it's possible to implement, because it's a mechanical process. unlike selling when…
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£100,000 diverse portfolio for growth 5 years
Would really welcome the collective's view. Any advice on : * initial £100k in a diverse portflio, low cost, tolerate decent level risk, for growth. * No mortgage and Pension sorted (occupational, final salary), so no needs there. * £2-3k per month also to be invested for next five years. All classes of investments (P2P,…
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Transfer help
I have a S&S ISA that I want to transfer to IWeb. My ISA is with Cavendish however when I sign in it transfers me across to Fidelity...... So when I put my transfer request through to iWeb, do I say the ISA is with Cavendish or Fidelity ? Many thanks Lee
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Vanguard advice
Hi, I currently have £20k sitting in a cash ISA. I'm looking at transferring this to a Stocks/Shares ISA and investing in the Vanguard Lifestrategy 80 fund. I have an additional £20k available which I'd be keen to add in monthly installments over the next few years after I've made the first £20k investment. My question is…
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New to Savings, need some advise
Hi everyone, A few months ago I inherited some money (around £15K), I have never been in the position to save money before - I have spent some on paying off my overdraft, credit card and booked a holiday. I have £1,500 in a current account I have where it earns 1.5% interest (you don't earn interest on anything over…
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What sporty cars say about your fund manager
An amusing article in the FT: 'What sporty cars say about your fund manager' https://www.ft.com/content/170e3ef2-cbf8-11e8-8d0b-a6539b949662 Something to bear in mind when choosing someone to manage your finances!
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Get a loan or spend savings?
Not sure if this is the right place to post this topic....... Buying a second hand car for £10k which I have in savings, which is getting meager interest (max.2%). OR get a loan over 3-4 years and pay 3% APR Planning to move up the housing ladder in 2019/2020 Ideas? :huh:
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Yorkshire Building Society 1 Year Fixed EISA maturing early...
I set up a YBS EISA 1 year fixed last year on 27th November. They have recently informed me it it due to mature on 31st October, that means it is maturing almost a month earlier than expected. Seems a bit odd as usually 1 year savings accounts last a whole year.
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2008 Bailout
How on earth do you delete posts?
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What should I look out for with Buy to Let?
I’m considering investing in a BTL and looking for some advice. I currently am not an owner occupier due to the fact of house prices bring much higher than I could afford on a single person mortgage. I have recently inherited some money and am looking at a BTL in an area that I know very well that is much cheaper to buy a…
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Shawbrook Bank or Charter Savings Bank?
Does anyone have any experience with these two banks? Trying to decide which one to use for their Easy Access Accounts. The rates, initial deposits etc are pretty much the same except for the maximum amount the account can hold but that wouldn't affect us. Just wondering if they are indeed easy to access, customer service,…
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What is best to do with newborn babies £250 of gifts please?
Hi all, we were given a few gifts of cash totalling £250 for our daughters birth 3 weeks ago. I am hoping there is an easy answer to this question but We are just wondering if it is worth looking into whether to just open an account for her, or a savings account or an isa with the money? We don’t have a lot of money…
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MSCI World Index
Hello all, I'm investing in a world tracker ISA based on the MSCI world index. Recently it has taken quite a tumble - 7%. However, the index seems to be recovering strongly now... I'm wondering whether to park this investment in cash for a while, or stay invested, in view of the strong recovery. I'm counting on the latter,…
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Accompaniment to L&G Global Equity Fixed Weights 60:40 Index
Hi all, I am looking for some opinions on my new company pension options and my plans going forward. I generally invest in multi-asset global funds (VLS80 (25%), HSBC Global Strategy Balanced (25%) and Dynamic (35%)) and also have some Fundsmith (10%). My new employer pension has a limited number of funds to choose from,…
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Temporary High Balance Cover Across Different Banks
Hello, We are completing on our house sale and shall have more than the £85k usually covered by the FSCS in the event of a bank failing. The FSCS says you can get protection for up to £1million for up to 6 months for a number of particular life events such as a house sale. I am wondering if that extra coverage has to be…
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Deceased mothers shares, advice please.
My mother passed away two months ago, and that very day I had my father placed in to care due to his dementia. I am administering my mothers affairs, and she had a few ISAs and shares which they clearly hoped would provide income in their retirement. I have sent death certificates to the relevant companies, and her death…
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Small Businesses - Advice for saving for both Personal and Corporation Tax
Hi everyone, I recently set up a small business, and I need to set aside money each month so that when I'm due to pay tax, I can use these funds. Please could you advise on a Savings account that would be best suited for this? I'll likely be transferring £300-400 into this Savings account each month, and then withdrawing…
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Business earnings to share price growth?
Afternoon all. I'm currently doing some research with a view to investing into some passive index trackers soon. Reading a few books and seeing a correlation between share price growth and business earnings growth. I'd be interested to do some research on this and see the percentages of business growth to that of its share…
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Cost-effective platforms for SIPP and ISA S&S holdings
I'd like to move my SIPP and ISA away from AJ Bell/YouInvest to escape their excessive custody charges (I'm invested in a wide range of funds, some of which are not widely available). I'm looking for a new provider/platform which offers a comprehensive range of funds and competitive charges (maangement, custody and SIPP…
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Advice on my plans please
Hi Guys, Apologies in advance for the long post, looking for a bit of a health check on my current situation and if my strategy going forward sounds in anyway sensible. I have posted like this a couple of times before quite a few years ago, but I am now a bit older and have more dependents so thought it best to check in…
