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Saving for children
Does anyone know of a way I can send savings gifts for children, in a way that the parent can't access that money? I looked at Premium Bonds, but I think the parent could cash them, as they have control. Any advice much appreciated.
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Clarification on ShareSave maturation options
Hi MSE forum, My employer ShareSave scheme is approaching maturation in a few months and, at the current share price, I stand to profit around £30,000. I plan to open a stocks and shares ISA and use the full allowance to put £20,000 of the profitable shares into this ISA wrapper (I would then sell the shares inside the ISA…
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Miss sold investment claim
My husband got recommend to invest his money a few years back (early 2000’s) by the bank of Scotland. He was advised to invest in shares and he lost most of his money which was inheritance from his father who passed away. I heard an advert on the radio form Goodwin barest about making a claim for this against the bank.…
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F and c investment trust
Not asking for advice but just wondered what peoples thoughts are on f and c investment trust now bmo. Already have around £40000 in it. Have some cash ready to invest and thinking about topping it up. Do people think it's still a good long term investment
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Transferring HTB ISA to LISA
Hello, I am 20 years old and am currently saving to buy my first home in around 4 years time. I already have a HTB ISA open with Barclays and have saved £1,600 into this so far. Today though I found out about LISA's which are much better suited to what I want, enabling me to save more. I am curious though about how you go…
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Moving from Equiniti
Evening folks I inherited some shares from my late mother which are held in an Equiniti investment account which charges a minimum of £12.50/maximum of £20 holding fee in April and October. I currently have two different companies in which we have funds so I think that's two lots of charges coming up. One of them has…
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Investment Newbie
Hi guys, I'm new to any type of investment but am looking to begin learning more, particularly funds. What would be the number one piece of advice you could share if you were starting today? Any must read books, magazine, articles, etc? I'm 37 years old running my own business (no kids). I have expendable income that…
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How to best utilise £1k/month?
I will soon be in a position where I am able to save/invest £1k/month. My wife and I will be opening LISA's and each putting the maximum £4k/year in there to receive the £1k/year bonus, we will continue this for at least 3 years and when we are ready to settle somewhere we will use the £30k+ as a deposit for a house. This…
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Passport required for a large majority of Savings applications?
As title, do almost all saving/investment online applications require the user to have a valid passport?. Have tried to sign up to 2 different accounts and when i get deep into the application it asks for passport number and expiry date. My passport ran out in June and as im not going away anymore this year i wasn't going…
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Co-Operative Membership
Hello, Just wondering whether anyone has any experience in joining the Co-Op membership scheme. It's only £1 - but they offer to give you one share with a membership - and pay you dividends. Should I join - or is it going to be useless. I probably won't use the other benefits - so will the dividends be worth it?
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Investing 50k in a Vanguard LS fund
I may be receiving a lump sum of £50k and would want to invest it if I did, so have been researching the options available. I have read through loads of posts on this forum and followed recommended links and read through those as well. I am a completely novice and every time I think I’ve understood the concepts, I read…
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Beehive Rate Reduction
For those that have this account... Important information: Rate reduction to your eSaver Instant Issue 9 account We regularly review our savings interest rates, alongside the rates offered by other savings providers and what is happening in the wider market. Sometimes this means having to make the difficult decision to…
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Adding active funds
Hello all, I started my investment journey over year ago and invested 100% into Vanguard global all cap. Now I’m looking to add some active funds using this year ISA allowance: Target portfolio: 50%: Passive (Vanguard global all cap) 50%: Active ( 35%: Fundsmith Global equity 35%: LIndsell train equity 20%: BG global…
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Help To Buy ISA & Lifetime ISA
I NEED HELP! Can I open a 'Help To Buy ISA & 'Lifetime ISA' in the same Tax Year ? I have been told different answers from different banks and financial advice sites. 'Barclays' have told me I cannot do this in the same tax year, whereas 'Skipton' and 'MoneyBox' have told me yes I can do this in the same tax year so I am…
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Invesco
Hi I'm trying to understand my current investments and make a bit more of an informed choice. I've had an Invesco High Income Fund (UK) for many years and looking at the fund objective it states this "The Fund invests at least 80% of its assets in shares of companies incorporated, domiciled or carrying out the main part of…
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Irregular savings - best account
Hello, I am self employed and my income comes in different amounts each month. Some months I may have over £1000 - £3000 to save, others a few hundred or nothing at all. What is the best current savings account with highest interest? I am saving for a house deposit as a first time buyer. i have a help to buy ISA already.…
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Marcus to launch S&S ISA
Article in FT saying Marcus to launch S&S ISA. https://www.ft.com/content/145467d6-da1b-11e9-8f9b-77216ebe1f17 (paywall) Also mentioned on this Reuters article https://uk.reuters.com/article/britain-press-ft-idUKL3N26E0G7 Nothing about any cash ISA products The FT article also suggests that they are approaching the £25bn…
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Glint administration
Hi I currently have a Glint card which held Gold and today i read they are in administration?? Their site always said that your Gold equivalent is held in a vault in Switzerland so if they go bust you are covered https://glintpay.com/help/gold-stored-located/ A bit worried but the above suggests its protected??
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Which is the best savings account
I have money from my house sale following a divorce. I don't want to keep the money in my current account, I want it put to one side until I find another property so I don't want it locked away for any period of time. Where will be the best place to keep it and possibly earn interest from it and would you recommend…
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Savings rates are lower than a year ago
My 1 year bond is ending, which was 2%, and the rates now are even lower at around 1.75%. It does not offer much more than the best rated easy access accounts. I am really struggling to beat inflation. Not only that, my salary has gone up 2% but my expenses have gone up 7% in one year, mainly due to renting and transport…
