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Hargreaves Lansdown SIPP Recommendation
Planning on putting £2880 per annum into this and want a low cost and low risk investment. While HL cap their share fees at £200 per annum, it is unlikely that this will be reached, so their charges will be 0.45% on all of the investments in the SIPP - whether they be funds or shares, ETFs, ITs etc. So, as I see it, the…
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Witan investment trust - what’s happened?
I check the risers and fallers in the ftse allshare occasionally out of interest, and the Witan investment trust is showing as -80% today on the HL app. However, apparently the factsheet for this fund is unavailable and I can’t see what has caused this seemingly cataclysmic drop in share price. There isn’t anything…
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Potential venture into the property market
Hey Everyone, Looking for some investment advice as I'm eventually now in a position to do this. I'm in early 30's, earn around £60k a year (over £80k household), have a few grand savings and probably about £80k equity in my current property, 2 year fix ends later this year. When doing some research into investments, it…
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Saving for beginners
hi I would like to begin saving, - I know I'm late to the party with it being half way through the year. I've begun by cutting my unnecessary subscriptions - Amazon prime, music and video and found cheaper ways to get the books I like through eqireader. I've also started to meal plan which means im not eating out at work.…
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Platform advice and ISA transfer?
Am looking at platforms to invest 15K into one fund and also regular monthly payments of £500 into another fund( I’ve sought advice in another thread on here so I’m happy with my choices - one is HSBC fund and one a vanguard fund). I can’t work out which platform is the cheapest to use though. I only really need it to buy…
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Isa question
Hello friends and thanks for looking at my thread. I have a simple question to ask. I have a fixed term ISA which has just matured. I want to move the money into another ISA from a different building society. If i open a fresh ISA with the new building society and transfer the money over does this count towards my ISA…
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first shares investment q
Hi all - I have been considering starting an ISA or investing in stocks and shares for a while, and have been tracking a particular company that I know are doing well and have confidence will continue to do we;l for some time, who I've often thought would be good to invest in. At the start of the year I downloaded the…
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UK personal savings allowance on foreign P2P income
Hey folks, Does anyone know if the UK personal savings allowance applies to foreign peer-to-peer lending income, or if it only applies to income from FCA-regulated (UK) P2P providers? I can’t seem to find an answer to this anywhere on the web.
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LISA closed rather than transferred - should I be worried?
Afternoon All, Been reading around the net today but nothing is quite like the bespoke opinion of knowledgable peers. A little background for context. Some time ago I cashed in my SS LISA in anticipation of purchasing a house in late 2020. In February this year I instigated a transfer of the full balance from A J Bell to a…
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Death..
Hi, Cheery title eh? I've been wondering for some time now about this. In this age of completely online only accounts, if the account holder e.g. husband or wife dies, how does the family find out about the account if there is no paper trail? Any knowledge shared would be appreciated. S
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Capital Gearing Trust
Having enjoyed several years of good capital appreciation, I'm now looking to hang on to what I've got. Bit of background - I'm 70 drawing my state pension and a private pension which absorbs the rest of my personal allowance. I've roughly £500k which is 11% property, 7% cash and the rest in equities. A friend has…
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Borrowing vs selling investments
I realise there's no right or wrong answer to this but just want to get some viewpoints on what others would do in my position O wise sages of mse I have approximately 133000 in non pension savings and investments of which 34000 is cash. My pension is well taken care of. My current mortgage is just over 3 x my salary and…
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Scottish Widows
Bit of advice needed if possible please as I'm stumped. I have/had an account with Scottish Widows that had been dormant for many years but had approx £150 left in. I had been receiving a statement advising me of the few pence interest the account had earned but this stopped last year. I can remember a letter advising me…
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stockmarket and the elections
Has anyone got an idea what may happen to the u.k stockmarket on Tues, assuming Nigel wins the european elections?
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Average FTSE growth vs GDP growth
Why does the FTSE grow on average 7% (figure from the top of my head) When GDP growth of 2% is considered more normal? Or is this just a case of me being young and having not experienced times of rapid growth to adjust the averages? In my head, as a long term average, Market Growth should = GDP growth. Of course the FTSE…
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Emergency Savings..?
Obviously no right or wrong answer with this but what would cause you to dip in to your emergency savings? I'd never considered it until years ago i read about it here. Often it was mentioned to have at least 3 months bills. I took that as great advice and changed the aim to be minimum of 3 months wages on account of i…
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Funds investment advice
Since paying off my mortgage I have been putting the money I would have used for that into an ISA. I have saved up 25K but it isn’t really doing anything for me and I don’t expect to need it so I’ve been researching funds (with some help from on here). I am looking at long term, approx 10 years minimum and I am happy to…
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Morningstar Portfolio Facility Problem
I have two portfolios listed on the Morningstar web site and refer to these daily to review my investments. Now I find that only the previous days price is quoted. I have taken this up with Morningstar and I have been advised: "I am sorry to inform you that Morningstar.co.uk website has lost real-time updating in portfolio…
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Lendy P2P put in Administration
Not really a surprise . No doubt will set off a panic about the better P2P companies . https://www.fca.org.uk/news/statements/lendy-ltd-enters-administration
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Pay off mortgage + student loan or invest/save?
Afternoon all, As the title suggest, I'm torn between two options: paying off my debt, or using that money to save/invest for the future. A bit of background. I have enough cash in a savings account (1.4%) to pay off my mortgage in 5 years' time (can't pay it off in full before the fixed term expires) and to pay off my…
