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LV: potential changes
https://www.lv.com/adviser/news/2018-financial-performance "In the face of challenging investment conditions during the year the main LV= with profits fund returns were negative at -4.2%.". it will be interesting to see how bonuses look as a result, perhaps 'smoothing' will be very welcome this year.. what do folks here…
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Help to Buy ISA with overseas first home
Hi! My boyfriend is Italian and has a mortgage on a property in Italy. Is he able to get a HTB ISA and get the bonus from the government upon purchasing a U.K. property? I ask this as I know you need to be a first time buyer, however does that only include first time buyer in the U.K.? Thanks
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Finding ISA account number - Vanguard
Good Afternoon All, A little while back I cashed out my investments in preparation for buying a house in the next year or so. My LISA has safely transferred to Newcastle as a Cash LISA, but I'm having a little more trouble with the cash now sitting in my Vanguard account. I've been trying to transfer to the Shawbrook Bank…
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Which Savings Account?
Good morning all. I need an account that is separate to our current account for "savings". I say "savings" because they may only be saved for 1 month, they may be saved for 10 months depending on what comes up! At the moment anything sat in our current account is being spent on groceries... Would you suggest an easy access…
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Long term savings/investments for £150k +
I am looking for advice on where to save/invest £150k + Currently my ISA allowance is maxed out in a cash ISA about £85k. I have some money in P2P Loans about £6k now as a few have recently matured and the rest is in building society savings accounts. I also have several pensions, which will yield me an income; but not as…
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American Shares
Please help! My Brother and I are sorting out my parents estate, our Dad passed away in 2015 and my Mum in December We are sorting out the estate at the moment and found a letter dated 2019 posted to their address (which was rented out while Mum was in a care home) from Morgan Stanley addressed to our Dad It says he has a…
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New Barclays PINsentry authentication cards
Are PINsentry authentication cards sent out automatically by Barclays when they expire or do you have to contract the bank to get one? Comments only from actual experience, please.
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HMRC and savings interest
I have just checked my personal tax account online and my actual interest received for 2017/2018 is now being used as an estimate for 2019/2020. The same amount was previously being used as an estimate for 2018/2019. I am currently able to view this in detail by first logging into my personal tax account and then following…
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Savings account (or current ) for £60K with standing order facility
Any suggestions? Basically just want to set the account up deposit the money and make a monthly payment of £2000 automatically to a different account So looking for interest and automated payment
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First Direct (+ HSBC + M&S) Regular Saver Renewals
On 15th June last year our M&S Regular Savers matured and the balance inc. interest was paid into our current a/cs on that day. On the same day the new ones were applied for online and due to the weekend took until the 19th to get set up so no great problem. On 5th February this year our HSBC Regular Savers matured and the…
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What can I have in addition to a LISA?
I have a LISA for buying my first home in a couple of years. I’m coming into some money (more than the 4K for LISA Limit) and wondering where else I can save. I have a Santander 123 but fear il end up spending it as it’s easy access. What’s safest (ie not so accessible) but also with a good savings rate that I can have as…
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How to protect savings from possible GBP crash after Brexit?
I am bit worried about possible GBP crash after the brexit. I have an option to transfer my UK savings in GBP to my home country in Asia. I can invest it there by spreading in real estate, bonds, and stock markets. But, if GBP rallies after Brexit, transferring now would be a bad move. One of my friends suggested me to…
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Invest in specific companies/stocks?
I have read that index funds are the easiest way to invest in the stock market and that the return usually beats choosing specific stocks. However I just wondered how would I go about backing a specific industry , such as contact lense stock? Would I have to find out the companies that make and sell lenses and see if they…
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Trust needed through Deed of variation to benefit my 15 year old
Hi I hope you can help. My brother and I are joint executors and sole beneficiaries of our mother's will. He children aged 24 and 22. None are 18 and 15. Both of us would like a deed of variation to pass some money on top them from our own shares. It works well with the three over 18 but do I need to go to the expense of a…
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New (Financial) Year Resolutions - Index Investing
Having done a fair bit of research over the last few months I've decided to start of the New (Financial) Year with some investing resolutions. I've never invested in Stocks and Shares (ISA) before but i'm interested and motivated to plan for a better retirement. I'm currently 47 and have a good works pension plan. I'm on…
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Working out interest on regular savings accounts
Hi, Is there a formula for working out an annual interest rate for a regular savings account. For example, Nationwide pay 5% pa with a max of £250 per month paid in. With all the different amounts, how does this get worked out? Do you take an average/mean amount for the year and then times it by the 5%? They must have a…
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Why not more discussion on VCTs?
Hello I have a lump sum to invest for retirement, and have already hit the lifetime cap on my pension so I am considering alternatives I am looking at a VCT: probably Octopus Titan, as it seems to consistently give good dividend returns and the overall value is broadly flat:…
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What to do with House Sale Money
I am looking to sell the house that I have inherited when my mum died and will get approx. £245,000 after everything has been completed and I sort myself out. I have been living in it for the past year by myself (only child). I am 22 and am finishing my masters but want to move into a rented apartment after finishing so i…
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£15-£20k to invest
I have between £15 and £20k to invest. I don’t want a risky investment. I would like the flexibility to be able to withdraw occasionally for emergencies. Absolutely no idea where to start. Please help.
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Discounted Morningstar Premium subscription
I took out a 14 days trial for Morningstar, phoned to cancel it on Day 12 and was put through to their US office who offered a year for half price, ie £79.50 instead of £159 (though they seemed confused about the difference between Euros and Sterling). My guess is that's a standard offer they make.
