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Nationwide members Exclusive Bond
Hi, Considering opening one of these Nationwide members exclusive bond 1.5% for 18 months and wondered what peoples thoughts were? I'm thinking this is worth doing as put in 5k and leave it alone for 18 month and get approx £113 interest as opposed to a regular saver which pays a higher rate but is capped on what you can…
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Is it insane to invest in the stock market now?
I'm 30 years old and have never invested in the stock market, mostly because I was young and not looking ahead to the future. However now it's finally hit me that if I don't start preparing for the future I'm going to be royally f'ed. With the price of housing becoming almost unobtainable for the majority of people,…
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Bond funds
I would like to test my logic (or lack of it) with regard to bond funds. I understand of course that bond funds prices will suffer if (when) interest rates start creeping back up eventually. But the bond fund that I am interested in:…
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Child Trust Fund to H2B ISA?
Anyone have any experience of this? My 2 sons have had CTF's (almost) since they were born. Eldest is about to turn 17. Just reading about the Help to Buy ISA which has a deadline of 30th November - is it possible/better to transfer my monthly payment to a H2B ISA now and get the 25% boost, or better to keep them both…
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Lack of Currency (GBP) Hedged Investment Funds
Why are most popular funds such as LS80 or Consensus 85 not currency hedged to £? There seems to be a big lack of £ hedged multi index funds in my opinion, I would like to invest in some to avoid the currency exchange risk.
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Gold coins
Is anyone here into gold coins as a metal investment (rather than rarity value coins themselves). I'd like a bit of background info on sources - too many adverts on a basic google search for my liking. TIA
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Lisa and Help to buy
Hi I was wondering if anyone can help, Ive already got a LISA but was looking at maybe doing help to buy as well ive loked through this, I couldnt see if it was possible to transfer some funds from the lisa to the help to buy. Im close to buying a property but when for the lisa as you couls save more.…
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Westwood
Has anyone come across Westwood Investment Funds? They appear to offer a too good to be true rate on a fixed rate account of 2.75% for 12 months. The website claims that they are protected by the FSCS but I just wanted to see if anyone else have used them? westwoodinvestmentfunds (DOT) com
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VLS80 & Help to Buy
Hello, I've recently got my first job and i'm looking to save and invest some of my money. I currently have a Help to Buy ISA, However I recently found out about the LifeStrategy funds. On the website LifeStrategy funds are labelled ISAs so would they effect my Help to Buy in anyway? I'm relatively new to this and…
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Need some p2p chats / forums.
Hi everyone, I'm looking for an active person to person transfers threads on this forum or chats in Skype, WhatsApp, Telegram or Forums, maybe something else. Can you recommend me something? Thanks!
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Unit Pricing
I have 2 x JISA with Fidelity for my kids. Last week I ordered within both accounts few minutes of each other £198 of Vanguard Global Small-Cap INDEX ACC. The confirmation in both accounts shows the same bought and settlement date and the same unit price of £300.9181 however one account that bought 0.65 units and the other…
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Enough inheritance to pay mortgage, how to play it
I'm expecting the in next few weeks the balance of an inhertance now that a property has sold and probate has been cleared. I have about half the total sum already from a life insurance payout, and once all is in I'm expecting, after tax, enough to pay off our mortgage plus another 5-figures more (think 20-50k?) Mortgage…
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Isa's and Lisa's
Having just seen Martin on TV this morning I thought I would look at which banks I could open an Isa and a Lisa by putting in just a pound in each as he suggested. However I'm confused. Most banks that I've already called (Nationwide, First Direct, Barclays and Santander) say they don't offer both and Nationwide also told…
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Relatively Debt Free 29yrs old with £100k - What should I do?!
Hi All, first post on this forum. I am looking for some advise on what I should be doing to best make my savings work for me! To give a bit of back ground, I am 29yrs old and have managed to accumulate 100k in personal savings. I am a construction professional on circa £50k a year, but also run my own limited company…
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Help to buy
Hi, I currently have a interest only (setup for renting) mortgage, can I use a help to buy ISA or a lifetime ISA? Thanks A
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£100,000 to invest
A quite simple question which will, no doubt, not have a simple answer. As per the thread title, I have £100,000 to invest (bequeathed in a will). Bar investing in bricks and mortar, what should I be doing with it?
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Problems Opening Metro Bank Fixed-Term Account
Am I being thick? The second question on the application is "Do you have a Login for Metro Bank Online Banking?" If I select "Yes" it tells me to log in to make the application quicker and simpler, which I do. I then cannot see any way to continue the application, nor to start a new application once logged in. It just…
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SIPP Investments 2 Year Plan
Hi I am transferring a Countrywide Assured ex Save & Prosper pension into an iii SIPP, value is about 300K. I'll expect to drawdown in 2 years. I dipped my toe into the SIPP market earlier in the year with an AJ Bell SIPP and invested £32,000.00 in an HSBC World Equity ETF and some UK Gilts. It hasn't performed very well,…
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Cash Vs Bonds
A lot of people seem to be talking about using cash as their non equity holding rather than bonds as they say returns for a retail investor are actually better with cash. With Vanguard U.K. Investment Grade Bond for example though I can see that the 12 month yield is only 2.42%, however the value has gone up 9.61% in 2019…
