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VLS60 Confusion
Going by their website https://www.vanguardinvestor.co.uk/investments/9241 VLS60 returned 6.96% between 2018-2019. However, going by their key investor document https://www.vanguardinvestor.co.uk/rs/gre/gls/1.3.0/documents/1277/gb VLS60 made a loss of 3.1% in 2018. Which figure is right and which figure should I take into…
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Hallifax Compensation 4 investmint
*Investment :) So I heard the radio add for badwin Carrot's, missold Halifax investments. I did have a Halifax investment but lost the paperwork years ago, gave Badwind a call but they were unable to trace via telephone but I took another shot at it on the phone to Halifax & traced my account. I'm not happy with Bawinds no…
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Confusion over PSA
My mum is 80 and only gets state pension plus a small (? £70/month) widows pension. She has savings not in an ISA that result in about £900 interest per year. I presume she is not subject to tax on this? I am not clear about PSA for non earners. Thanks R.
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Am I being Stupd?
I have a diverse portfolio of ISAs, pensions, Stocks and Share ISAs, cash and one small BTL. None of which are worth over £200k and collectively are approx £850k I was made unemployed recently, aged 57, and am now counting my pennies. I have an IFA who appears to do not a lot for his fee. ( 0.5%). WE have an annual review…
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VLS Risk Ratings
The VLS 80% risk rating is classed as a 4......I would have thought as an aggressive allocation it would be more a 5 risk rating?
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How to invest £220k for min 12 years
I will soon have £220k to invest. This includes rainy day money. I am maxing out my £40k Pension contributions so that is covered. Hoping to not need any of this money until I retire in (hopefully 12 years when 55). Currently have £55k in Cash ISA, 5 % regular savers, Santander 123 etc...Due to inherit approx £165k in next…
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£40K in VL60 Fund
Hello, New to investing. VLS60/40 seems all the rage at the moment. Should I put my £40,000 in the VLS60/40 for 1 year? How much can I expect to make?
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Best Place for £60,000?
In just under a year I will have £60,000 from the sale of a BTL. My intention with this money is to keep it , and split it between my 3 children as help towards a house deposit when they are in a position / want to buy. So each would have £20,000 They range from early to late 20's and will all be wanting to buy at…
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Reorganising Finances for my 30s
Hi all, Long time adherant to Martin and forum lurker here, taking the next step to become more involved. I turned 30 last week, and am taking a good look at my savings portfolio to make sure it's appropriate for my plans over the next few years. I'd sure appreciate the advice of some of you experts on here, as I've…
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multi-asset managed funds (for SIPPs or ISAs)
I am 67 and have about 90K in a SIPP but don't need the money to live on for many years (having enough cash savings). Currently my money is exposed overall to moderate risk (a balance of conservative and and moderate/medium risk in three so-called multi-asset managed portfolios from one of the big investment services –…
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Childrens account - ideas on what to put where
Hi We have 2 children (8 and 5). 8 year old has a Coventry Easy access 1.39% (was a family saver) where the child benefit of £80 goes - approx £11k Also has Nationwide 3.25% ISA of approx £900 5 year old has savings in a Nationwide Saver 5% where child benefit of £54.80 goes - approx £3.6k. Also has Nationwide 3.25% ISA of…
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This is not a mid-life crisis
Hello. I’m 46, and having a midlife awakening. I have no children, no responsibilities, and have no longer any wish to be trapped for the bulk of my life under strip lights in an office doing meaningless work. At 60 I will receive my occupational pension. My plan is that for the next 14 years I will make the most of my…
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Small monthly saving
Fiancee and I have fairly decent savings which we hope to keep growing for another couple of years and pay a chunk off when we remortgage. However, I'd like to throw £50 a month or so into something, just as an aside, like a stocks/shares fund - maybe it will do well, maybe not, but after 10 years (may increase the amount…
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ISA Existing / New
I'm looking for some advice, please. In June, I plan to renew my current ISA - by doing so, does this constitute as a new account? My aim is to renew the existing account without putting any 'new' money into it and then open another ISA with a different provider and plough this years allowance into it. My current ISA…
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Cheapest platform for stocks and shares ISA
I currently have a HSBC FTSE all share ISA invested with Hargreaves Lansdown.I am aware that this is one of the most expensive platforms and I need to move it for that reason.It’s currently worth just over 50K, can anyone point me in the right direction please?
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£300,000 how best to increase in a year but be safe
£300,000 hopefully to increase in a year to help buy home. What are the options please?
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Interest rate?
Do any of you remember what the interest rates were like before the financial crises of 2008? How much interest would I have got for £40,000 back then?
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Why does the NAV vary between USD and GBP listed fund?
I'm confused... This is a USD fund with a 10% discount https://www.youinvest.co.uk/market-research/LSE:DNRG But GBP one with same name has a 20% premium https://www.youinvest.co.uk/market-research/LSE:INRG Are they actually the same fund? Both are 181m USD in size but what does the discount/premium mean? Assuming it might…
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Account for 17 year old
My 17 year old has a Santander Kids account which has £2000 (max for interest payments). She has a HSBC account which is just short of £3000 (max for interest payments). She needs to set up another account for when the HSBC is maxed. I'm having trouble finding a good rate of interest elsewhere for her as some accounts only…
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Easy access savings account
Hi, I hope you lovely knowledgeable lot can help? I am looking at possibly opening up a savings account so that I can build it up as an emergency fund, but I want to be able to be able to withdraw from easily but has a decent enough interest rate, ideally able to open online but not essential. Any ideas? Thanks Pmo2
