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HL SIPP Fees
I have a small SIPP with HL. Already retired so max annual contribution £2880 topped up to £3600. In the past I've left dividends uninvested to cover fees, but have obviously miscalculated. Rather than have HL sell investments, with the accompanying charge, to pay monthly fees, is my only alternative to open a Fund and…
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LF Blue Whale Growth
Not bad results for the short time it’s been up and running, worth a punt?
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sell.......when?
I need to sell some investments to finance a property developement. I could do it now, in a months or so, or wait till around March/April next year. The market is down from 6 - 12 months ago so that's discouraging. But Brexit means it could plumet further. Or all get resolved and climb again....... I know there's no real…
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Advice on what to do with shares
Hi, my employer has "awarded" me with 186 shares in our French company. The shares vest soon and will be worth around 32 euros each, or 5952 euros in total. This will have to be converted to £ and then I will be liable for tax and NI of around 50%. We will need to sell half of the shares to cover the tax bill bit are not…
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Advise on starter portfolio
Hello Everyone, Any comments on my starter portfolio? much appreciated. Background: I've been reading MSE forum regarding investing for last 6 months. I'm 35 years old, Emergency fund in place and looking to invest for next 25 years, 100% equity Portfolio: All vanguard index fund, S&S ISA - US equity index: 50% - Global…
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House fund or pension contributions?
Hello! I'm mid 20s, looking to buy a house as a first time buyer (with my partner) around 2-3 years from now, post brexit. I currently have around £43k saved in various regular savers, current accs, easy access, LISAs etc. I can save around £1k per month. My partner can save a similar amount. My pension contributions…
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Sterling Fall
I was thinking of investing some cash in a multi asset fund but given today`s ( and who knows for how long ) volatility in Sterling , am I better to hold off a while or would it be better to proceed with investing?
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Best way to use a inheritance
Hi, I am about to receive an inheritance of approx £40K and I would like your opinions on the best way to wisely use this money. We have a offset mortgage 4.19% interest and this money would make us mortgage neutral. Should be pay off the mortgage ASAP? Continue to pay the mortgage and use the interest saved to go towards…
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Discretionary or vulnerable persons trust
I’m thinking of setting up a trust for my disabled daughter I want to be able to increase the amount in trust at a later date can I do this with a disabled or discretionary trust
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Investments that pay mainly dividends rather than growth
Are there any Investments that main returns are from dividends, as opposed to capital growth?
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Aldermore
Hi, Anyone know which CRA Aldermore use for ID checks to open up a Savings account? Thanks,
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Tracker fund investment for retirement
I'm thinking to invest some money for our next 20 yrs so I can retire early. Which one would MSEs recommend ? -L&G international index tracker -VWRL -FTSE 100 or any other trackers?.. I wish to stay as a passive investor.:beer: regards Andy
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Market Indices
There are now 3.73m market indices: https://www.ft.com/content/464baa26-e794-11e8-8a85-04b8afea6ea3 Everybody should be able to find a suitable index!
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Post Office Online Saver - move...
Hi all, I opened a Post Office Online Saver only a few months ago, most for the DD's... but now I see they have a new one with a better 1.45% rate. Can I switch my current savers to that rate? Or perhaps just open a 1.45% rate saver (assuming they have the same DD advantages), move the money over and then close down the…
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HSBC Regular Savers
Anyone know if you can open 2 Regular Savers through having 1 jointly held HSBC Advance account (i.e. 1 Regular Saver in each of the joint account holders name)? Thanks
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Multi-asset funds info. Thanks
Good afternoon, I was wondering if people here could tell me a few names of active and passive, medium risk, Accumulation, multi-asset funds. Very much appreciated !
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Regular saver "maturing" - silly question about interest....
I think this might be a silly question, but here goes..... I have been paying in to a regular saver for a year. the bank (Santander) has now written to me to say the account is "maturing", and the rate of interest for the next year will be 3% rather than the 5% for this year. The 5% interest for this year has now been…
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fun investments
I am thinking of a few fun micro investments. Possibly a 10 x £2,500 investments in start ups on Seedr etc. Anyone doing this and if so how has it been for you? I am not expecting to make lots, just have some fun and if one turns into something more even better.
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So which way are the markets going then?!
We've sought and found a place a lot LOT sooner than planned and suddenly I need to put a deposit down and half of my deposit is still in S&S. And reducing fast! I can hold on selling the S&S for a few weeks but just not sure if the markets are going to go back in the right direction. Whilst no one can be sure.. what is…
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US Dollar savings account
For various reasons we are looking to move some money into USD and hold in (preferably interest paying) account until required. Has anyone done this and can give us some pointers on how and where? We are in the UK and would prefer the money not to be locked away. Thanks
