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Lump sum saving
My son has received a lump sum of money and I wanted to put it in a good account for him, I've trawled around and thought a fixed rate account would be good as it's straight forward and he doesn't need access to the money. Any advice would be welcome. Thanks
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Non resident
Hi, I would appreciate some advice please. I have lived in Spain since 2006 as a resident but continue to hold UK passport, NI number, bank account (using a friend's address) & am planning to return in 5 years when I'm 66. We don't earn enough to pay tax in Spain nor from a small pension in UK.. Soon I will inherit about…
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Vanguard LifeStrategy funds
Can I invest in these using another platform or are they exclusive to Vanguard? Reason I ask is the minimum monthly deposit is £100 per month and i'm looking to pay £50 per month into 2 seperate funds. Thanks.
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Lifetime ISA - Stocks & Shares
Hi all, I'm new to the forum so apologies as no doubt this will have been discussed previously. I've done some research on Lifetime ISA's as I'm interested in opening one. I'm already a homeowner so the purpose of this would be for retirement. Given it will be long term investment (20+ years) everywhere seems to be…
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Markets at record highs and euro / dollar both strong - does this impact your investment strategy?
I'm interested in how others are viewing the current investment climate - I will have 40,000 across two stocks and shares ISA's to invest in various funds in May. I aim to diversify across markets and sectors however I am feeling reluctant to invest too much into the US and European markets on the basis they are both near…
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Government Gateway/HMRC Login Problems
What on earth is wrong with the Goverment Gateway/HMRC sites? https://www.access.service.gov.uk/login/signin/creds Every single time I try to login to this service I have problems. Today I'm trying to check my tax credits and "help to save" account but each time I enter my details I get a "You can’t view this page" error.…
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Tax on Bonds?
Hi, My wife's Father died last year and in 2012 they set up a "Family Protection Trust" to protect his estate in the event of him having to go into care - he was 93 at the time. The money in this trust was put into Bonds with Aegon; the old man has subsequently died and the trust is to be split 4 ways - around £10,000…
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SBT Trading Solutions = SCAM
**SCAM ALERT** http://matrixsystems.net/ This is the same scam as SBL Market Guide Program, HSL Smart Market System and RVS Closing Price System They cold call you and when you Google search them, PRESTO, a multitude of FAKE reviews. All of the above named systems are same set of Individuals who are all Crooks. You have…
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What are your saving goals 2019
Hi I am looking to start saving this year as an emergency fund is a must these days. I would like to have at least 1k by Xmas, more if possible. I’m wondering what are you saving for and what are you doing to boost your savings? Also how much have you go so far, do you use regular savers etc to make the most of your money?…
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Post Office Savings - what the?!
I'm tearing my hair out with the instant access post office savings account I've opened. The worst product - it really is! Would never use the post office again. Every time I try to do something the website says 'technical difficulties' and it's been doing it for a month now. I phone the number, and sit in a queue before I…
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Where to invest inheritance my kids have been left
Hi My two daughters (age 9 and 6) have been left a sum of money (£10k each) from a Great Aunty who recently passed away. The money is currently with the solicitors and me and my husband have been made Trustees. Where would be the best place to put this to get the most interest? I've had a quick look but feel a little…
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How do I close my Help to buy ISA
How do I close my NatWest help to buy isa? Do I just go in store ?
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Share investment - need to reduce annual broker fees
I have some shares in the company I used to work for. I used to trade now and again and was originally with TD Waterhouse as a broker, they are now ii (interactive investor). The share price has taken a bit of a tumble recently. Not great, but not an emergency, I am happy to sit tight with them and take the dividend. TD…
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No update to N.S.&I index link calculator and login values wrong?
The Marxh 2019 R.P.I. figurew were updated on the 17th April. A check on the calculator says that the value provided is only utodate for the inflation figures release in March and has normally changed to the new months figures within a few days after they are announced I keep a record of current values and in order to…
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Baillie Gifford closing direct accounts
I've just had a letter from Baillie Gifford saying they are closing all directly held accounts, which is a shame (you can still invest in their funds, but not directly any more). They offer a switch to HL with discounted prices for 3 years but then the offer expires and all the high HL charges come in. So now I am on the…
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Where to put money to pay mortgage each year
In a 5 year fixed with £148000 mortgage I want to pay of in 5 years. Already paid 14800 penalty free. Next year can pay £13320 then in 2021 can pay 11958 etc with a final balance of 87k to clear it at the end of the fix. I have about 50 k now which covers the next 4 overpayments and want to get the best rate . Mortgage is…
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Paid 2 Isas help!
I set up a bank standing order last year to pay into an ISA every April. This year I decided to try another ISA provider and opened an account and paid in £20,000 at the start of April. I just looked at my other ISA account and found £20,000 had been paid into that because I forgot the standing order I set up with the…
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Premium Bonds
Not sure where the best place to post this question is so apologies if this is the wrong section. I have a premium bond my Mother bought in November 1956 it has never won a prize! I'm just wondering if anyone has an older bond that's never been chosen?
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Capital Gearing Trust
I am looking for a home for a long term safe holding and would welcome forum opinions on whether this trust would do this? Thanks in advance for any/all replies.
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how to spread across multiple IFISAs?
hi all, I'm interested in building a UK SME debt portfolio at some point in the near future & as I understand, using an IFISA is the best way of doing it. I realise that it is important to diversify my investments across multiple lending platforms & borrowers, which is why I wish to open multiple IFISAs across multiple…
