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Help with savings overhaul - currently got an old ISA
Current situation: Just over £6000 in a cash ISA with First Direct at 0.85% AER, plus about £2000 more than I need in my current account that could be put into savings. For some reason FD won't let me transfer into the cash ISA any more (says I've used my maximum subscription for the year even though I've not put anything…
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is it worth buying share options for Lloyds?
I have never dealt with share options before, so could use some advice. Basically, Lloyds bank are doing a share options offer for employees where you can save an agreed amount each month (between 100 and 500) for a period of 3 years and at the end of the three years you can use it to buy Lloyds shares at a 20% discounted…
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25 and after some advise
Hi all, long time lurker here. so basicly im after some advise on what i can do to improve our fianacial accounts and also have some questions (which may seem daft) regarding VLS80 some ill start with some background info about me; 1. I am currently 25 with an annual salary of 48-50k and my OH earns 18k. 2. we are debt…
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Is it worth transferring a Cash ISA to another ISA
I've got a couple of Cash ISA accounts from previous years subscriptions. They are not on good interest rates, so is it worth transferring these to another Cash ISA to keep the ISA thing or shall I just open a regular savings account which have slightly better interest rates or does still having a Cash ISA come with other…
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Investing first steps
Hi all, Hopefully this is an appropriate place for this. I couldnt see a sticky of questions not to ask here so apologies if its too simple. In essence, I'm a 28/yo currently looking to get started with investing. Without going into too much detail of my finances, I've come to the conclusion that I can probably invest…
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Question re 700K investment
Hello – I need some guidance and would very much appreciate whatever anyone on here has to say. I’ll try to keep things clear and concise! Would love it people read this and gave their two cents. 1. I am in the (very) fortunate and lucky position where I am about to be gifted 700 K. I am 30 years old. I already have a VLS…
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Old savings account
My mum recently passed away and while clearing out her house I found a passbook for a TSB savings account that was opened in my name by my grandparents when I was born (1971). I tried my local branch who gave it a cursory glance and said they couldn't help, also tried findmylostaccount.com with no luck there either. Can…
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Suggestionms for my final 25% ?
Hi Guys After receiving some good advice on this forum, AND my own concerns, I have scaled down on equity funds. (as I am 78) My portfolio now is HSBC global strategy balanced acc 25% Vanguard LS 60/40 25% LTGE 25% Cash ready 25% Should I consider CGT or increase HSBC and leave it at that.
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Property investment in Liverpool
Hi This is my first thread in this useful website. I came a cross a company in North of England who claim that their new build property will yield 7% return. The property is going to be in modern skyscraper building in City centre we are looking to by a one bed flat in the range of £140k initial payment of £40k then the…
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Making the money work for me
Forum, I am in the process of selling my mother's house after she passed away last year. Once everything is finalised, remainder of the mortgage paid off, money shared between siblings, paying credit card balance etc etc is done I reckon I'll have about £30k which I'll want to use as a deposit for our first house in Summer…
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Confusion-Fund classes
Im just trying to understand why there are differences between fund classes and why some providers offer one class and others offer another class of the same fund. Example on HL…
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UK Sharedealing accounts for non-residents
Since I found out, on Thursday, my online broker SVS is in special administration, I've been contacting other brokers to enquire about opening accounts for me and my partner. Every broker I've contacted has told me they don't open accounts for non-residents. I'm a UK citizen and working in Thailand at the moment, though I…
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Yorkshire Building Society transfer
My regular saver with YBS matured on Friday. Saturday morning I requested online a transfer of the balance. It said I would receive it by the 8th. Morning of the 9th still hasn't arrived. What's others' experience of how long it takes?
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Should i invest my money?
I know the advice is probably speak to a financial advisor which i will also but I've never really had spare money so have never learnt what to do with it other than save. I have approx 60k. 33k is in an ISA the rest in a v. Low interest rate saving account. I am bought a house earlier this year and have approx 400 each…
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Savings
Hi can anyone give my daughter some advice She is 21 years old and has a really good job she currently has around £20000 savings and wants to save for a house. where should she invest her savings and should she get a right to buy ISA any advice would be appreciated
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Nick, Michael & Terry Flash the Cash
They don't buy very often but when they do it makes a headline, the devil may love Prada but so do Nick Train & Michael Lindsell. https://citywire.co.uk/funds-insider/news/lindsell-train-global-pounces-on-prada-in-first-buy-for-two-years/a1264954 Meanwhile Terry Smith buys something for the weekend.…
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Changing your investment approach. Managing your portfolio.
I've got to the point where my attitude has changed based on the books i've been reading compared to what it was when i started out a few years ago. Not drastically but still, it's changed and i'm not really sure on the best way to go forward so i'd like to not necessarily ask for advice but ask for your opinion as i'm…
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Attitude to money?
Hi all, I'm just wanting to get an idea of everyone else's attitude to money and figure out whether I'm being extreme or not! I've always had a thing about money, I've worked since I was 18 and always had a job, I'm very independent and absolutely hate the idea of being financially dependant on anyone. Whenever I spend…
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Porfolio Simplification
As the title suggests. When i started my investing journey i had a random selection of funds - far too many with little clear direction. With the help of multiple threads i decided to switch my approach to a passive approach and switched into a selection of index products..... i then discovered the simple joys of global…
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I am looking to pursue a career in the financial advice sector
I have a couple of questions regarding the financial advice industry and I was wondering if you could guide me on them. I am looking to pursue a career in the financial advice sector, with the long-term goal of become an IFA. I am currently studying towards the Level 4 Diploma. Considering you certainly have a broader…
