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Vls80
Hi all, what sort of average annual return have those with VLS80 experienced? cheers
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The FIRE revolution
Saw this one doing the rounds on FB. Looks like you sign up to a course to learn to trade binary options or similar and get Rich https://fire-revolution.co.uk/
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Question about Marcus
With the news that Santander will be dropping to 1% in May, Marcus is looking attractive. But if using it as a feeder, is it possible to set up standing orders FROM Marcus into the linked account? Or MUST all transfers be done manually?
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Capital Gains Tax
Good afternoon, my mother purchased her mothers house via right to buy some years ago with her sister. Around 16 years' ago my mothers half of the house was signed over to her sister and kept in trust by her for me. Apologies, I don't know how to word this, but basically, my auntie owns her half and the other half is held…
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Can't sell part of a fund by value through Halifax Share Dealing
I am really surprised to find out that if I want to sell part of a fund I have with Halifax Share Dealing, I have to specify online the number of units I want to sell rather than state the value I want to sell. So I can't specify that I want to sell say, £3,000 worth of units. I phoned and they confirm that I have to…
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deletedelete
deletedelete
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Share dealing charges
I have stayed loyal to my stockbroker, Rowan Dartington, over many years, but cannot help but be concerned by the difference in share dealing prices. They charge me 0.5% on the value of the deal (execution only) whereas competitors charge as little as £10. I'd just like to check with those with experience of low price…
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Is the commercial property sector finished?
Commerical property funds seem to have taken a bit of a battering of late and we recently saw at least one fund being gated to manage withdrawals. Clearly there is a linkage toward economic activity and the performance of such funds. also the constituent holdings are of importance. We all know that high streets are…
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Looking for safe no-maintenance investments for later life
Looking for safe no-maintenance investments for a family member (late 60’s) who needs to consolidate a lot of savings and investments (has a variety but is no longer interested in managing them). Due to previous bad experiences will NOT consider an IFA. They have a considerable sum in cash accounts as well but are…
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cautious would-be investor
A question from a cautious would-be investor - I have a reasonable lump of cash to invest (around 200k) and have had it sitting in an NS&I account for a good bit over a year awaiting the big correction, which stubbornly seems to not be happening. I've recently read "Investing Demystified" by Lars Kroijer and his whole…
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Santander to slash 123 account interest and shake up overdrafts
Posted on the Budgeting & Bank Accounts board but might be of interest here even though it ceased to be a useful savings account since 2016. Effective 0.7% rate after the £5 monthly fee. Same cashback with the Lite account for £1 * At the moment, the 123 account pays 1.5% AER on balances up to £20,000, as well as up to 3%…
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Planning for 40 and beyond.
Hi All, I have recently signed up to the forum, despite the fact I have been reading posts for many months with intrigue. I am putting together a plan for our future and wanted to share my journey so far and what I am thinking as to our savings. At present my investments are a bit all over the place and I hadn’t any real…
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50k to invest
We have had 50k in an building society account for the last 5 years earning next to nothing in interest. Want it to earn some money for us and really have no idea at all what to do with it. quite fancy stocks and shares, but again totally clueless and all the horror stories where people's money has just disappeared though…
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Redundancy - shift pay to next tax year?
dear fellow savers, thanks for having me in this forum :) I am about to receive a substantial redundancy payout (~100k) which is great, yet happens at a rather inconvenient time (31 March) in the tax year which will result in the best part of it to be taxed at 45p. Considering I am planning to take a 3-6 months break from…
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mabye it's a bitcoin time?
want to invest , what you think now or wait ?
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Gatehouse 120 day saver account
For information, the rate on the above account has been dropped from 1.82% to 1.55% from the 13/02/2020
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Aviva New Generation Personal Pension
I'm in the process of transferring my Aviva New Generation Personal Pension to a SIPP with Fidelity. Despite the name it's a former workplace pension (defined contribution/money purchase), so when it comes to ticking the boxes is this classed as a company pension or a personal pension? I left my employer in 1999 and the…
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PSA and NS&I Growth Bond
Hi, I currently have a 3 year NS&I Growth Bond at 2.2% which matures in 2021. I'm over my PSA every year, so will end up loosing 40% of that 2.2% so actually will end up with 1.32%, so am I actually better off selling it early, loosing 90 days interest and putting it in my cash ISA paying 1.5%? I assume that NS&I would…
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Childrens savings account
Hi, So we have been putting money into a savings account with HSBC which currently pays 0.75% however not sure we are getting the best rates. We only put money into the account and dont make withdrawals from the account. Dont really need instant access but would be handy to be able to add money online rather than in a…
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Anyone close to or in Newcastle-upon-Tyne interested in FIRE?
As the thread title says... a friend and I are trying to create a group of people local to Newcastle-upon-Tyne who are interested in FIRE - Financial Independence/Retire Early. It doesn't matter where you are in your FIRE journey - all are welcome. We aim to meet regularly to swap ideas, experiences and just be around…
