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Bitcoins
I have been approached by the following company regarding Bitcoins. "BitcoinTrader-FXTM" Is this a scam?
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When do Saving End and Investments Begin?
Hi All, I was at a seminar this morning with worked on the importance of financial Management. It outlined that after setting aside between 3-6 months of rainy money in a high interest savings account (usually offering 5%) investments should begin at 10% of your monthly salary. Is this really good advice? For example the…
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Anyone saved with Tandem?
Im looking to start a fixed savings account with Tandem. https://tandem.co.uk/fixed-saver Has anyone any experience with them? Do they offer good customer support etc? Thanks
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Hedge fund goes bust - apology video
This is a ten minute youtube video of James Cordier, of http://www.optionsellers.com/ apologising to his clents for losing more than their money and leaving them with a pile of margin calls https://www.youtube.com/watch?v=VNYNMM0hXXY Some people thought it was a joke - it isn't, its real. I'm surprised as I am used to…
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Small lump sum savings- interest?
Hi, I wonder if anyone can help. I have a lump sum of £5000 that I want to put away for travelling in about 18 months time. I am a student and want to get the best possible interest I can on it over this time, I know it won’t be much but anything helps! I won’t be transferring much else into the savings account so don’t…
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Which is the right savings account for us?
Hi, Both me & my partner are saving up to pay our Help to Buy Loan. We are aiming to pay the value within the next 2 years before the interest starts. We both save every month. One of us will save £15,000 a year and one of us £30,000 a year. Which savings account should we choose? We want to gain interest on the savings…
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Old building society book
On clearing out some old papers I came across a pass book with £1000 pound in since 2000. Unfortunately the society the Universal ceased to trade in 2006 and was taken over by the Newcastle BS , on presenting the book to the Newcastle they tell me they have no record of the account and that they have no Universal records…
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Different Viewpoint on Premium Bonds
Whilst I fully understand most of MSE is targeted at the less well off and maximising their resources there will also be quite a number like myself who have only a modest pension income but quite high savings due to maybe a redundancy payment or a pension lump sum or perhaps inheritance. We often however choose to try and…
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Approx 10000 to invest
I have possibly 10000 to invest for the hopefully at least 5 years. I have looked at stocks and share isa’s through a company that manage their own fund and the ones offered by vanguard. I am a little concerned that the markets may weaken with Brexit or is this a good time to invest? The first company is easy and the fund…
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I see sidthestrong with his 9% returning investment has gone
I see sidthestrong with his 9% returning investment has gone.
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Don't multi-asset funds have an inherent flaw?
I'm a complete newbie to investing, so please forgive this very basic question: Why would I ever buy a multi-asset fund (e.g. Vanguard LifeStrategy 80%) rather than buying one 100% equity fund and one 100% bond fund, separately, in my desired proportions? A more long-winded version of the same question: General investment…
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3% Santander savings fluctuates each month - why?
Hi We have £2000 in a children's santander saving's account, which is set to pay 3% on that £2000 each month. The interest which comes in is either £5.04 or £4.86, which appears to be random. Mostly it's £5.04 and sometimes its £4.86. Does anyone know why it's not the same each month? The interest is always on the first…
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Lifetime ISA Queries
I am looking to buy a house with my partner in the next couple of years (certainly not <1) and I currently have a H2B ISA with £3,200 in it. I am looking at changing to a Lifetime ISA but wanted a few things clarifying. 1) If my partner has a H2B ISA and me a LISA, are we both able to use our respective 25% Government…
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Inheritance and what to do with it...
Hi all New to the site and looking for some advice. My Dad passed away over a year ago and his estate has been in probate but should shortly be sorted out. My sister and I will need to sell his house but I am unsure what to do with the proceeds. Currently I have no savings, no private pension and do not own my own home.…
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What to do.
Hi all. New on here. I have $20,000 and a monthly sum of £1,000 to put into an account where I want to get the maximum amount of interest. Any help would be much appreciated. I would like the money to be reaonably accessible but don't mind tying it up for six months. Thanks in advance.
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Is this OK for us?
Have read the advice on MSE about savings. We have about £140k from the sale of our French house, UK house now on the market and when it sells will need that money to buy next house. Think we will each open a P.O. online saving account and split the money to get full protection. this gives 1.45% not much but better than…
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What to do with an ISA
Hey all, Not sure if this is the place to be or if I need to look at actual financial advice (£££), worth a go though! So, I'm an early/mid 20 somethings and I have a few thousand sitting in a Loyalty cash ISA earning 0.55% interest. I'm starting to pick up greater interest in my finances and how to make my money work for…
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A defensive strategy within Vanguard Investor ISA
Good afternoon! I'm a huge fan of the Vanguard Investor platform. I believe in making regular monthly contributions in cheap tracker funds I've opted for; rather than stockpicking and trying to get the timing right. The Vanguard platform offers very low costs (very low platform charges / no dealing charges.) But: I'm…
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Savings for unborn Niece/Nephew
Good afternoon folks, Looking for a bit of advice around savings for a child. A nephew or niece will be arriving in the next few months and I wanted to set up a savings account to pay out in 17 or so years. My intention is to set up a payment every month for £25 until they reach 17 at which point they can access it. My…
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What savings account should I have for an inheritance?
Hi, Please forgive me if this isn't in the correct part of the forum. A bit of back story before the problem. My soon to be wife's father passed away suddenly when she was a teenager. Recently, it was pointed out to her and her mother that if he had any pension plans open then she may be able to claim them as his daughter.…
