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U.K. national on expat in India
Hello all and Happy Christmas! :) I am a married 35 yr old expat (Wife also works) currently living in Hungary and about to relocate to India for 4 years and I would like a little general advice on investing.. Over the past 2 years we have paid our mortgage down from £300k to £170k (2.19%) but not made any investments and…
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A good balance of funds within my Vanguard account
Hi Ive completely neglected my investments over the past few years, so I thought now would be a good time to revisit this! I currently have 2 funds in my Vanguard account: FTSE Developed World ex-U.K. Equity Index Fund (Accumulation) LifeStrategy® 100% Equity Fund (Accumulation) Im not very interested in investments…
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Investing advice - LISA or S&S Isa.. or other?
Hi all, Just wondered if you could give me a bit of advice, I'm re-evaluating my finances as we move into 2020. I'm 27 and currently earn about £47k per year and my husband earns about £100k. * Currently I invest £275 a month into Vanguard Lifestrategy 100 S&S ISA. This has been nudged up by £25 each year (or each time I…
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Scam 2017 - Clone of Fisher Investments Institutional Funds PLC
Hi All, I am looking for other people who like me were caught by the scam in September 2017 that involved a fraud under a business that was a clone of Clone of Fisher Investments Institutional Funds PLC. You will know that the fraudster took advantage of what I believe was a massive gap in the compliance process of foreign…
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Advice for my Nephew
My Nephew has just inherited a “just into” 6 figure sum and has asked me to advise him what to do with it. His situation is that he is in his early twenties living at home and working as a landscape gardener. He pays £500/month rent (food & bills included) but gets to keep £300 if it goes into an isa. This with other…
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Best Way To Save Money For A Young Adult?
Hello everyone! I currently have around £30k saved and I'm looking to put it into a savings account. I have already set up a Help-To-Buy ISA, which I pay money into each month. The rest of my money, I want to invest. I'm 21 years old and looking to buy a house in 5 or so years time and I'm happy to leave money in a savings…
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ISA - moving contents to children for IHT purposes
I'd like to move the contents of a stocks and shares ISA to my two children (both adult) to avoid IHT in the future. Presumably there will have to be a sale and repurchase of the underlying shares, but does anyone have any tips as to the most cost and tax effective way of getting these shares into the children's hands?
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Fidelity to Interactive Investor - Experiences??
Hi I am considering moving ISA platforms to II, in doing so I would save circa £35 per month based on my average activities (ie regular fund investments and adhoc 'fine tuning') Fidelity to their credit offer quite a powerful fund portfolio holdings analysis tool, so I can get quite a detailed break down on a portfolio…
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Can saving too much become an 'unhealthy obsession'
Hi everyone, I would be interested in hearing your thoughts on the following... I have no financial commitments and still live at home with the aim of having my own place one day. I currently have just over £87k in savings and save around £1800-£2000 per month. I earn just over £2600 per month and pay rent to my parents.…
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Mid 50's, not much financial clue, need to sort future? That's me!
Hi - I moved this to pensions board under same title, prob sits better there. Thanks for looking.
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Which platform for vanguard or similar funds?
I'm looking to start buying vanguard (or equivalent) funds, starting from zero and putting around £500 a month into them so it accumulates and snowballs over time. My confusion lies with which platform to use, as the fee structures appear quite complex. I know vanguard does its own platform but should I consider any…
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Buy OEICs on margin, which platform?
I'd like to buy and hold UK domiciled OEICs on margin, but couldn't find any platform offering this. I've found that Interactive Brokers has very low interest rate on margin loans, but I couldn't find any UK domiciled OEICs on their trading software "TWS". Alternatively, a low fee UK domiciled global index tracking ETFs…
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Freetrade app
I generally stay away from shares or at least single company ones. My brother has had one of his friends in his ear about this app telling him how 'great' it is and how he's made 'x-amount' in the past few months and it's 'free'. I'm very sceptical. Looking on HL i'd have to pay to buy a share on top of the actual share…
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Bid/Ask Price
Bid/Ask Price This two-way price quotation shows the price that shares in this company can be bought and sold for. The bid price is the maximum the buyer is willing to pay to buy and the ask price is the minimum the seller is willing to receive to sell. The difference between the two is called the spread and is an…
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2019 a good year for assets.
Since Jan 1st. My stock portfolio up roughly 24% Bitcoin up over 100% Property hard to judge and dependent on local market, I find it difficult to find unbiased figures or opinions. I wish I did not own property but feel 2019 has been reasonable for prices there also. P2P has been my worst performing sector. Full of…
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Should I ask for my £18000
Long story short I have inheritance that my mum's has (18k) and she will give me when I purchase a house (as she did my brother) I'm looking to move out in 12-18months. Should I ask for this money now to invest somewhere.. if so where?
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Trying to work out my strategy
Whilst trying to avoid questions such as "when do I sell?" And "what stocks do I buy?", I've been supplementing my usual drip feed of stocks with some targeted purchases of FTSE100 stocks (because I'm just starting down this path) I have one at 30% up, one at 20% and another at 15% up so I'm pretty happy but because…
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Some ideas on where to save or invest 20k for 1 year
As the title says really, we have 20K we'll need back in ~12-18 months for an extension so we want to put it somewhere useful for this time. Happy with Medium risk/unprotected capital suggestions. Higher rate taxpayer and currently don't have any form of ISA. Can spread the money across myself and wife too if it's more…
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Pension and Savings Schemes for a 24 year old.
I'm trying to arrange savings and pension schemes for my 24 year old daughter to prepare her for later life. At the moment, she earns around £12k a year and lives in paid for board and lodgings, and currently has around £10k in savings sat in her bank account earning very little. She has no pension scheme with her…
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Couples with 1 HTB ISA & 1 LISA, any benefit ? // penalty for withdrawal of LISA before holding acc
Hi, can anyone tell me if there is any benefit in one person within a couple having a Help To Buy ISA and the other person within the couple having a LISA? I read something about you can only pay for specific part of the mortgage with a HTB but looking for more clarification? Also what is the penalty for withdrawing from…
