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BlackRock Consensus funds investing
Hi I’m about to start investing in a low cost passive multi asset fund in a S&S ISA. Vanguard Life Strategy is clearly very popular with many investors. But what do people think of the BlackRock Consensus funds? I thought they looked ok with very low charges too (0.09% with Hargreaves). Does anyone here invest in…
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CRS/FACTO Reporting
Hi All, Can anyone clarify the process for CRS/FACTO reporting from an overseas country to HMRC UK. Also, what is the best way to deal with a situation where a CRS/FACTO declaration form has been asked to be filled in by an overseas country where an account is held. However, the 30th September 2018 deadline for disclosure…
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FSCS: long term ISAs + temporary high balance
We've just sold our house and are wondering where to put the money temporarily until we buy a new house. We are considering a Virgin account (the Double Take E-Saver) which looks good, but we already have around £5k in ISAs with Virgin. The temporary high balance will be covered by the FSCS if Virgin fails, but if that…
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Please Help-dont know what to do
Can anyone please help
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What to do with 10k?
Hi all I currently have 10k to put away long term and was wondering what I should be looking at. I've looked at vanguard stocks and shares ISAs which is tempting. Is this the way to go? I doubt I'll need immediate access to it in the short term and have other savings for a rainy day. I have a mortgage of 204k at 2.14% and…
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Unsolicited e-mails from ICICI Bank
I have received 3 e-mails welcoming me as a customer. Until today I had never heard of them and certainly haven't applied for an account. Should I delete the e-mails or complain using their complaints procedure on the web without responding to the e-mails?
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RCI after Brexit?
My partner has his savings in RCI bank, which is covered by the FGDR (Fonds de Garantie D!pôts et de R!solution), the French deposit protection scheme, and are not protected by the UK Financial Services Compensation Scheme. What will happen after Brexit? Will it still be safe, and accessible?
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fixed savings where to go
Hi, I have been using MSE for over 10 years now to not only clear the debts my ex wife left me but also to try and save. I now have a sum I would like to put into a savings account to try and get the most interest that I can. The best suggestions (as per MSE) is the post office three year but also Atom bank which pays even…
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Capital Gains Tax + No other income
I have held shares for just over 3 years. They were bought via my company's Sharesave scheme for £4,500 and they are now worth £18,000. I understand CGT allowance is around £11,500 but I also get to subtract the £4,500 I paid for them. I assume the CGT will be paid on the remaining £2,000. I am a stay-at-home parent and…
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Fixed term saving non UK address
Hello, I am from the UK but live in Portugal. All income is generated within the UK and deposited into my UK bank. Martin's newsletters list fixed term savings accounts, but as I do not have a UK address, with the exception of the Union Bank of India, I am not eligible to apply for these accounts. Any ideas which UK banks…
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Help to save and help to buy
Hi, I opened an help to save account after seeing martin talking about it, but I was wondering, can I have an help to save account aswell as a help to buy isa? Thanks :)
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"Never try to time the market" - yes but...
The adage is: "Never try to time the market" - yes but... I am overweight in cash. I am underweight in UK equity. When do I correct back to my planned asset allocation? Pro: "UK is cheap". Con: "recession is coming".
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Ratesetter: "Your investment completed early" will I still be able to claim the bonus?
I signed up to Ratesetter when they offered a £100 bonus the conditions were: "2. You will qualify for a: a) £100 bonus if you invest and put on loan a minimum of £1,000 within 8 weeks post registration and keep this invested for 365 days" However, the one year loan was paid back early which meant my money was returned to…
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ETF v Managed fund ISA
I have a stocks and shares ISA which is currently an ETF with £3k invested, it's not doing to bad (up 5%) but was wondering if I would be better going with a managed fund instead? Thanks in advance CF54
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RateSetter P2P Question
Hi folks Question for those who use RateSetter (or maybe other P2Ps) I have downloaded RS's Loan Book from their website and filtered it for: - Loans of 12 months only - Rows applicable to 2019 Q1 I've been monitoring the 1yr lending rate on RS most of Jan/Feb and typically the market rate has fluctuated from 3.7% to 5.5%…
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HL Active Savings and Aldermore, higher fixed rate savings till 18th Feb
Aldermore recently, and briefly, had some higher fixed rate saving rates, which are no longer available on their site, but I noticed Today they are still currently available on Hargreaves Lansdown Active Savings. So on https://www.aldermore.co.uk/personal/personal-savings-accounts/fixed-rate-accounts/ 1 Year 2.00% 2 Year…
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Brexit proofing stocks and share ISAs by transferring balances to Cash ISA
Hi. I have a couple of "robo-advisor" stock and share ISA accounts that have been emailing me about their mantra of sticking with long term investment and how they are maneouvering their portfolios in preparation for possible Brexit ramifications. Friends of mine are telling me to transfer the balances in to a safe cash…
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Mortgage Vs Savings
Hi All, I watched Martin on TV last night but missed parts of it whilst trying to make dinner! I am hoping someone can help with a savings question. My mortgage is around £47,000 at 1.69% and has about 16 years left to run. A year or so ago I was left around £57,000 inheritance and want to do the right thing with the…
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Mobile phone no needed
Many banks and savings organisations now require a mobile phone number to verify transactions. Where do those of us who have no mobile signal stand?
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Advice wanted please re investment for elderly mother
Hi, I'm not after free financial advice so much as just someone to confirm what I'm thinking of doing is okay or not ..so comments welcome please. Due to me having had some particularly bad advice from a so called "financial advisor" in the past I am somewhat wary of them, hence hoping for more impartial advice here (and…
