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J.P.Morgan > H Lansdown
Hi I have some sort of investment with JPM (once a pep I think?) and am being forced to move it out before August. The easy option they recommend is Hargreaves Lansdown, but where would :money: recommend I move it to? What are the other options out there I can consider? It's a shame as JPM have been doing a good job in…
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18 year old daughter wants to invest
Hi My daughter has a part time job, she wants to begin her investing journey now. She’s happy to take risks, should we only be looking at using up the isa allowance and should that be a cash or stock and shares ISA? Would investing in an index fund or similar also be an option for good returns and encouraging the habit of…
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Comparing the value of child trust funds
My three eldest children have child trust fund accounts with various amounts in based on the grants available from the government when each of them were born, and my two youngest don't have one so I have just opened JISA accounts for them. I want to start contributing money to them but first I want to deposit amounts in…
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Hi
My son (nearly 16)has been left some money in a will and we have to put it in a 5 year fixed rate account until he is 21. I have looked at so many accounts and you have to be 18. As my brother is trustee and will be named on the account does this mean the (18) problem is no longer an issue, and if so, what is the best…
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Child tax fund parent withholding account information
Hi there, Hopefully someone can help me as yorkshire building society aren't helpful. My 16 year old stepdaughter(SD) moved in with her father and I 2 years ago and is largely estranged from her biological mother. We want her to have access to her ctf so she can change the account into a junior isa and start saving for…
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Regular Saver - Equivalent interest rate by month drops?
Hi. First post! Apologies if the mathematics/theory behind what I’m about to query has already been answered. I searched but could not find that it had specifically. Short question – Is it worth filling a 5% regular saver past 6 months when I have another account that earns 3%. Explanation: I've been looking into savings…
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ISAs - Stocks
Hello everybody, I just joined and it's nice to be here. Now that the deadline has passed for the new financial year I wanted to understand which provider people are using for stocks - my husband and I are DIY investors (who wants those outrages advisery fees!) and we hold a diversified basket of ETFs, mainly vanguard.…
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Cash ISA to a platform - how long should it take
Did this once in October, went like a dream, transfer completed in a few days. Trying to do exactly the same currently - with the Nottingham BS. They received the platform's request on April 8th, can't complain about that. But they have to 'process' it with the platform and HMRC and it could take 7-14 working days - from…
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Saving for a mortgage
Hi I am a home owner (3 bed house) but within the next 2 years or so my partner and I will be looking for something bigger. I am about to start saving about £2000 a month and i was wondering where is the best place to put this money. Any advise is highly appreciated. Thanks
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Looking into furthering my savings.
Morning folks, wasn't sure what to put as the title! Basically I/we (wife) have a basic joint savings account that we deposit whatever we have at the end of the month into. I'm a complete noob when it comes to what else to do with our savings. From my very limited research so far, would I be looking through something…
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Trying to remember name of a savings company
A few weeks ago I was searching for fixed rate bonds on the internet and came across a company offering 3.9% or 3.8% and it was connected to BT in some way, and now I can't seem to find the company again. It was FSCS protected and the minimum you had to save was £50,000. Any ideas?
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Hedged funds
In a diversified portfolio, isn’t one valid form of diversification reducing the impact of forex movements on your portfolio? In some previous threads the question of buying hedged funds has come up and most people have been against it because i) it is gambling on currency markets, ii) exchange rates revert to a mean, and…
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Dividend finder
the AIC has launched a new feature: https://www.theaic.co.uk/aic/news/press-releases/aic-launches-income-finder sign up, enter your portfolio, and a useful dividend calendar is a feature as well as other useful info.
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Covered calls for income?
I'm a fairly experienced investor, normally I run a mile from anything to do with derivatives, options etc..but the use of covered calls to boost income look quite tempting. I accept that capital growth will be reduced, but a yield of 7% looks quite good and the use of covered options doesn't look overly risky. Here's an…
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Emergency fund amount
Hi Just wondering opinions on what our emergency fund should be. We have about £1,500 a month on bills and food. We dont have any long terms savings as such, we blew it on a new boiler before Christmas which was £2,300. Just wondering what our target should be. My wife is self employed and I am the major bread winner. We…
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Offshore funds
I'm looking for a good offshore fund where i can invest some euro. I'm UK resident and have some cash in Irish bank account. The regular Irish investment products are not available to non residents. The only one i can find so far where i can invest directly is with Guinness Asset Management. They have a limited range of…
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Pension or Property
Good morning- looking for guidance and opinions. We are 45 and lived in our property for nearly 20 years. Our endowment will mature in May 2019 and will provide a return to clear the out remaining mortgage of 30k, due to come to an end Jan 2020 and able to clear our credit card debt of 20k. As we are young(ish) and have no…
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Htb isa
Hi, I know this is probably a stupid question but.... I'm gonna ask it anyway. Would I be entitled to open a HTB ISA when I have previously had a joint mortgage? I owned a house with my ex partner but had to sell it when we split up.
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Saving large sum advice needed
I am selling mums house as she is in a care home. The proceeds will pay for her care for a few years but once the house is sold where on earth do I put such a large sum of money. Should be in the region of £150,000. Will need to access it to pay the monthly bills but need it to be secure and hopefully earning a little…
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Best place to save money that is due for tax?
Hi 👋 I am self-employed, and I have a fat lump sum sitting in my bank account that is due to be paid to HMRC next January. What is the best thing to do with this money in the meantime? I would like to earn as much interest on it as possible, with the following caveats:* There can be ZERO risk of the money losing value * I…
