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Should I pay off debt using first time buyer ISA?
Hey guys, I would like to ask for some advice regarding my first time buyer ISA. I have a loan with NatWest at 3.4% that I currently owe 6.8k. I plan to pay this off in the next four months, incurring an early repayment fee. But my question is whether it would be better to pay this off immediately using the balance of my…
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Active vs. passive for global value funds
I want to add a global value fund to my portfolio. Artemis Global Growth (curiously named for a value fund...) seems as good as any and I am comparing it to index/ETFs. None of the global value ETFs seem to have been around for long but of the choices, eg Vanguard’s VVAL, they seem to perform as well if not better than…
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Hedge funds?
Can anyone explain to me the basics of how these work and what they do? I read a bit in todays paper about them,from what i could gather they borrow shares off people,and bet against them losing value? Or is that too simplistic.
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Lastminute.com shares
Hello! My first posting. Where do I write to regarding my old Lastminute.com shares, changing the address and chasing up lost dividends? I moved house soon after the shares were issued. What are they worth now? I only have 35 of them 🙄
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Security check problem with Raisin/Shawbrook Bank
Raisin/Shawbrook Bank are an umbrella facility allowing you open savings accounts with other banks with excellent interest. I opened up an account, transferred some money but it bounced back. Raisin support said the security check had failed because my current account bank from which I transfered the money, only provided…
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Looking for US dollar saving account in the UK
I am looking for US dollar saving account available in the UK. I cannot find any information from moneysavingexpert. Santander has US dollar accounts, but I want to find out if there are others. Any links to comparison table (pros and cons) would be very much appreciated.
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Help me plan!
I am in a situation I never thought I'd be in. After spending my whole working life living from one payday to the next, I have been lucky enough to find myself in a role where I earn 40K plus allowances of approximately £15k. I have to live-in (it's in my contract) so I live in a rent free house and bills are covered too.…
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Lindsell Train
I've been reading a bit about Lindsell Train. Clearly a very successful fund, I'm thinking about a long-term investment. They have a LT investment trust which is up over 300% over 5 years, but the NAV is only up 170% and the current premium is 69%. Is there any rationale for investing in this rather than in their OEIC…
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LISA or Pension to save for my child?
Ok, I'm 39 and recently became a Dad. I'll be 60 when my child turns 21 and I want to save around £50k that I can use, at my discretion to help my daughter. As a 40% tax payer I know that the most tax efficient choice right now is to pay more into my pension pot as it outweighs the 25% gain I'll get from the LISA. The…
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Roulette Winnings
A carefully executed martingale roulette strategy is making me £200 every day. I only start with £10, and bet £0.50, which is the lowest stake, but that is the beauty of it. It gives lots of opportunity to double if loss. Only start betting after 2 or 3 consecutive colours, and bet the opposite of these colours. Skip a…
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I have some money- where should I put it?
Hi I have about 10k in my current account that I need to put somewhere. I already have a help to buy ISA so it can’t go in there as only £200 a month is allowed. I have realised how low the interest is on my NatWest Cash ISA (0.02%) is so I am wondering where the best place to put this money is. I would like to access it…
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Personal Savings allowance - living abroad
Hi all, i'm trying to work out if when living abroad for a year now , do i still qualify for the personal savings allowance in the UK? i am a British citizen . I cant tell if i need to start paying tax on savings interest or not. i receive no income other than savings interest from current accounts. Thank you
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Vanguard - where do I start?
Hi all So Vanguard is one of those providers that most people seem to agree on in terms of lower risk and reliability. But with the bewildering amount of Vanguard options, I'm unsure who to choose. All I know is that it should probably be global. My situation is I'm early 30's and investing using a lifetime ISA with AJ…
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Trust for a minor?
Hi All, We need some good advice. Our 40 year old daughter died unexpectedly recently without a will. Apart from a small bank balance, she leaves a house. Being a single mother, her sole beneficiary is our 5 year old grandson. We wish to use the safety of a Trust to hold the property (which we intend to rent out and the…
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Independent financial advisor
Does anyone know if I need a specialist independent financial advisor as Im setting up a discretionary trust, and if so do you know where I’d find one, ive tried unbiased.com but it doesn’t tell me if the advisers have Done advice like this before ?
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Advice
I'm 22 living in Scotland and doing a full-time MSc in cybersecurity + also working a full-time job at the same time (my first year working full time in IT). Scottish Funding Council (SFC) paid my Uni fees so I don't have to pay back anything. I did have some trouble with attendance but got this sorted eventually. I live…
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equinity freepost?
Anyone know if they have a freepost address?
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ISA question.
Hi folks, Wonder if its possible to do this with an ISA. Current years ISA allowance is used up. Amount in ISA is over 85K so want to be covered by FSCS Current provider permit witthdrawl subject to a penalty. So my question is, is it possible to open a new ISA for current year with a different provider, put in the excess…
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Which savings account is beat for us?
Me and my fianc! are currently trying to save a deposit for our first mortgage. I’m a full time student and only manage to work the odd occasion at the minute, although come summer I’ll be working full time. He works full time on a salary of £27,000. A few years ago we planned to start saving and I opened a help to buy ISA…
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How to invest £2k today?
Question: To keep up with my investment plan I have to invest £2k on Monday morning via iWeb S&S ISA. What should I buy? Background: - End goal is to achieve financial independence / retirement as soon as possible. I'm 35 years old but really not planning to sit at my desk in the office for next 30 years. I'm very…
