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Fed up of low isa rates
Hi, I am a dentist and have 42k rotting in my account in a Lloyds cash isa.I am getting v low rates but feel it is time to wake up. 1. I don't think I ll need the money for a while .a few years 2. Risk tolerance is medium Plan to either open an isa with vanguard and stick with vls60 or a tracker somewhere... What do you…
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Holding cash vs IL in pension ahead of commencement
I am considering the fairly limited options for holding short term money (say for a min of 1 to a max 3 years) inside a pension wrapper ahead of implementing drawdown. Clearly the primary investment objective is to have TFLS ready to go regardless of a short term equities dip in the period of interest. A transfer from long…
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USA Shares
Hello all, Looking at buying £1k each of Tesla and Manchester United shares. I looked through my Vanguard ISA and unfortunately you cannot invest in either shares. I have also paid into the Vanguard this month, meaning it now counts as this tax year, meaning i cant invest in another S&S ISA. The current funds i have in…
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Paragon Bank and FPs
FP to Paragon on Friday, not in my account today. Don't they 'do' weekends and BHs?
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Investment strategies
I was interested in the different investment strategies people follow. For my own part, relatively new to investing and so currently just drip feeding money into a low cost global tracker. From browsing comments on here I see many people hold a mixture of passive and active funds covering different regions etc for…
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Woodford Equity Income
I have been downsizing my investment in this fund for some time. I have now come to the conclusion to pull out all together and switch to another fund/s. I have around £16k to get rid of but I want to spread it over a range of funds. I have particular favourites which normally include Stewart Investors Asia Pacific Leaders…
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Differentiate savings given by parent & non parents
Been reading https://www.gov.uk/savings-for-children I have a kid who has savings given by myself + grandparents/relatives. The interest they receive comes to £200. Just less than half of it is due to given by parent ~90. (Yes, we have generous relatives who give cash envelopes) How am I meant to tell HMRC that the…
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What to do with 60k
Hi - would appreciate some advice. Recently split up with my partner. Our house is going up for sale and hopefully we will come away with some money for a potential deposit for another property. I already have approx 10k in an ISA. And might come away with approx 50k after the house is sold. My options seem to be - try and…
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trust/foundation
it says that if someone managed to setup a trust or foundation that some third party is managing so that the real owners name doesnt show up for the common reporting standard, automatic exchange of information, or tax information exchange agreements then their name will never show up! the trust or foundation is where…
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Comments on investments welcomed
I’d be very grateful for any feedback on my current allocation of my employee pension investments provided by Aviva. I was in Blackrock Consensus for a number of years but recently set up the following. I’m now questioning whether it’s overly complicated and I’d be better off with just the Baillie Gifford Fund or switching…
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M&S Monthly Saver maturity
My M&S Monthly Saver should be maturing today. Just logged in, and the accounts disappeared, and the money is nowhere to be seen! What happens to the money, and when does it reappear? When can I open another M&S Monthly Saver - should it be tomorrow?
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Mixed Growth and Income Portfolio
Hi, I've tried to create myself a diverse, balanced portfolio with a mix of growth and income. The aim is to try and generate around 2-5% dividend income and enough growth that 10-20% can be moved each year into an ISA portfolio. I would say I tend to go for, on average, just above medium risk (around 5 out of 7). I tend…
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Saving/ Investment for Childeren
Hi All, We have 2 kids, daughter turning 17 in few days and son aged 8. They have saved money £1000 ecah and HSBS saving accounts in which they merely get few pounds every month. Any suggesttions for best investemnet/ saving strategy (5Year/ 10 Year) will be higly appreciated. Thanks in advance.
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Raisin & Sharia law (Wakala fee)
Hi all, I have been planning to put some money in one of the savings products offered in Raisin UK. I have good references about Raisin in Spain. However, when checking the products currently available in Raisin UK most of the ones I am interested in are complying with Sharia law, and that's when I get lost. I am not…
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2 S&s isas
Hello, I currently contribute around 4k a year to my hl isa. I would like to open a vanguard isa and put some money into their passive funds. Maybe a maximum of 1k over a year. Am i allowed to do this in the same financial year if the total smount i invest is under 20k? Thank you :)
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Initial savings and what’s next?
We have a few little pots of savings and want to review where we are, and where we go next to avoid wasting what we have by leaving it in poor paying savings accounts. Married, both in late 40s, looking at restructuring savings to be efficient. - we have a Santander 123 which is hitting its £20k ceiling - about £8k in a…
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What to do with £30,000
Ive got about £30,000 in savings that's currently sat in my S&S ISA (just sold the last of my investments). What or where is the best place to get a decent return on it please? Preferably one with quick access to it? Many thanks in advance
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DIY portfolio: Which one bond fund to buy longterm?
edited for privacy
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SIPP or ISA as additional savings vehicle
Hi all, How would you weigh up a SIPP vs an ISA for primarily retirement savings? SIPP: As higher rate tax payer I'd be getting up to 40% tax refund on anything paid in. So, the overall yield would be at least 1.5% higher. The downside is the income tax payable on the 75% which would be not tax free. ISA: No incentives…
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Need some savings advice
Hi Guys I am wondering if anybody would mind giving me some advice on a good savings strategy. For information, I currently have a joint mortgage, at 2.51% fixed for the next four and a half years, and have just about maxed out our first years overpayment allowance, and have knocked off 3 years off the term as a result. I…
