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Savings & investments

Archives for April 2019

What if ?
My wife and I both have S&S ISA's. I understand that if one of us dies the other one can inherit the other's ISA and the assets would remain wrapped. If both of us were to die our funds would be left to our children. Presumably they would become unwrapped at that stage. However I assume that the funds we own could be left…
Dividend Data and Time Held
If a fund has bi-annual dividend date, how long do I have to hold the fund to receive the dividend? The specifics are: fund purchased 30 April, ex-dividend date of the 1 July 2019. Am I due the dividend? Or is it prorata?
Cannot get definite answer
To change from holding accumulation units to income units. The fund platform says they do not offer a "switch" service. But they will take an instruction to sell the Acc units and purchase the same number of Inc units. No cash consideration will credit the client's account. The the new units are placed in the client's…
Redundancy, should i invest?
Hi i was made redundant 2 months ago and with cashing in shares and redundancy payment i have £62k. I have started a new job albeit with an agency, where i have taken significant pay cut, but am managing to tick over without touching my redundancy payment. Am hoping to be taken on full time in next 3 to 6 month, and if…
Children's savings for nephews
Hi I save money for my 3 nephews which at the minute go into eSavers in my name with appalling interest rates. I was going to open them Children's Smart Access accounts with Nationwide but they have stopped doing that account and now offer the Future Saver which only a parent or guardian can open (my siblings aren't great…
Paid less than minimum wage after salary sacrifice.
I'm heavily topping up my pension via salary sacrifice and currently pay no tax. I have been recalculating and have realised I am being technically paid under the minimum wage by about £90 a month. Based on what I have read, it is the company that are wrong here, and if they knew they would reduce my salary sacrifice to…
NI Savings
Hi Guys Cat A 12% - Normal Folk Cat B 5.85% - Married women and widows entitled to pay reduced National Insurance I have been paying Cat A all my life and was looking at this with interest. I am a guy, but also a Widow (Wife died quite a while back) struggled but looked after the kids and did the right thing by working…
Aegon historic mini equity ISA
I’ve had this product since the year 2000. It started off as a Nationwide mini equity ISA but got moved around by them and ended up with Aegon, who appear to be terrible managers/investors as the value dropped dramatically during a recent six month period. Therefore I want to move it elsewhere. Any suggestions please?
£1000
All, I have just received a gift of £1000. I want to save/invest it for maximum growth with minimum risk. What would you recommend please.
Switching bank accounts - does this affect credit rating
Hi, in March of this year I switched an old Barclays account to first direct to get the switching bonus. I now see Natwest are doing a switch bonus too. The problem is that although I have other current accounts, I dont want to close any of them, so Im thinking of opening a new current account with one of my banks, then…
Transferring Help To Buy to Lifetime ISA
Hi I've got a Help to Buy with approx £9,000 in it. I've been considering switching it to a Lifetime ISA but always been put off by the 1 year minimum time I'd have to lock it in for (as I may decide to buy my first home within this year). I have found an old article by Martin Lewis advising to open a Lifetime ISA and just…
SJP pension should I back out?
Hi, I've fairly recently signed up for SJP pension fund. I'm a IT contractor and I have my own company. From my company I've invested approximately £9,000 into this pension fund but I've been reading online about how expensive SJP are and they have a limited fund to choose from. I know the exit fees are pretty big year 1…
What happens to shareholders when a company gets bought out?
I was just researching Spectris (SXS) and read that they were in talks with another company about a buyout that fell through. It got me thinking, what happens to company A shareholders when company B buys them out? Are they paid the price on the day, the price plus a premium, or does the share price collapse? Do the…
Kuflink peer to peer - any views
Considering putting some money into Kuflink (Auto-Invest) and thought I'd do a quick reality check here on MSE. Does anyone have any experience of Kuflink? Views and opinions most welcome please. (I put Kuflink into the search option but couldn't find anything about kuflink on this site)
Best saving combination with help to buy ISA
Hi everyone, New to the forums and money in general haha, Me and my other half have been talking about saving for a mortgage for years now and since I have been in university until last year, I am only recently able to start saving towards it... My girlfriend has been saving for a while and has a help to buy ISA with…
Shepherd Cox and Platinum Portfolio Builder
Has anyone had dealings with with either company, or can pull apart the claims being made? The main attraction seems to be that you are buying into Travelodge and Best Westerns etc. and not unbuilt complexes in Cape Verde or Wales. http://www.platinumportfoliobuilder.co.uk/about-us/nick-carlile/
Tracing LAS unit trusts (the company no longer exists)
My grandfather died sometime back and in going through his things we found unit trust certificates from a company called LAS, only problem is that they are no more. We have contacted both RBS and BoS as well as the auditors neither of whom have been willing to help. A check on unclaimed assets has also yielded nothing. So…
Hedging to GBP when uncertain about retirement country
Hi, I have been following Tim Hale's Smarter Investing approach for a while now. He, as other authors, recommends to hedge (read: buy funds or ETFs hedged back to GBP) your defensive assets to your home currency. It makes perfectly sense because he assumes that you will be spending your money where you live. However I am…
Working in Spain
Hi, My fianc! works in Spain and I was wondering what is the best way for her to get her wage? Is it better to be pain into a Spanish account and then transfer all the savings into her English account at the end of the 6 month contract or is it better to split the wage and put the savings into her English account month by…
Vanguard All World ETF vs Global Fund
I have been looking at these two investments: Vanguard Global All Cap Index fund Vanguard All World UCITS ETF When comparing the charts for these products i see they track more or less identical and the fees are also similar at 0.24% and 0.25%. What would be the advantage of holding an ETF investment vs a fund investment…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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