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Active funds outperform trackers
In The Times today, “Over the past ten years tracker funds in the UK all-companies sector produced an average return of 111 per cent compared with 153 per cent for actively managed funds.”. It suggests using tracker funds alongside some active funds.
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To continue to hold Zopa and Ratesetter?
I have held holdings in both Zopa and Ratesetter since 2016 and have had an excellent return on both with no problems. I have read some articles in which warnings about continuing to hold peer to peer in the near future could result in losses. I know of course that there is no financial coverage on these "investments". I…
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How does CGT work?
If i bought eg £50K of a fund in 20/21 then £50k of the same fund in 21/22 and then in 5 years time the initial £100k was valued at £130K and i decided to sell £40k all held in the same platform on which buying price is CGT calculated? Thank you.
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Negotiating lower platform fee with Hargreaves Lansdown
Hi, HL charges 0.45% on investments up to £250K, and then 0.25% on investments above £250K for its platform fee. In comparison, Vanguard only charges 0.15%... I understand that HL might provide better tools, choice, discount on some fund fees etc. but if most of my investment is going to be against Vanguard trackers, and…
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Socially Responsible/Ethical Lifetime ISA?
Hi all, I want to open a Lifetime ISA to help me retire early at 60 (I already have a pension maxxed out!) I'm 32 so 5k will be invested every year for 18 years. Then the total will sit for another 10 years until I withdraw it. I know that "socially responsible investing" is a grey term, but I would like to be as ethical…
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Sale of house funds
Hi All I am due to sell my house next week and have approximately 110k equity coming back to me. I am not buying another property as I'm moving in with OH until we find our next house. I would like to put it into savings but no clue where to start. I have an ISA so the plan is to put some into that and then more after…
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OEIC settlement dates
When selling OEICs on HL/ii I have been able to reinvest the funds the day after they are sold. Does this mean the platform is bridging the amount since they know they will receive the funds a few days later? And, presumably, if I want to withdraw the proceeds of the sale I have to wait the c.5 days of the settlement…
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Raisin Savings interest start period delay
Be aware that Raisin insist on a faster payment to them when opening an account but will delay interest payment on your money by at least 2 days. Not a biggy but something to be aware of. It is apparently covered in their Terms and conditions. I opened an account on 7th January with my money getting to their partner bank…
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Income vs Accumulation Funds
Morning All, I am after some advice re income vs accumulation funds ands which would be best for me. I am 24 and currently hold some units in Vanguard Global all cap Acc fund. I am looking to invest for minimum of 5 years and am looking to grow the money over this period of time. Can someone please advise the benefits of…
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Retirement plan SIPP/ISA Query
Hi, I am putting a plan together which will get me to semi – retirement by my late 40s (ambitious I know). I am currently 29, with £73k left on my mortgage currently at 3.09% with 38 years left. I have no other debts and own my own car so no lease/PCP payments. For work I am a director of an online clothing business which…
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Bond Index ETFs/Funds
I'm interested in the mechanics of these. Do they hold the bonds till maturity? Say they do and then receive the bond amount (£100 for example), do they pay this out to the fund holders or reinvest this? Do they reinvest it in new bonds entering the index, or the existing bonds in the index?
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Funds Are Hurting Investors
https://www.investopedia.com/how-index-funds-are-hurting-investors-and-the-market-4688627
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addition to my s and s
hi all, have another small lump (£500) that i want to put in my vanguard s and s isa. are there any other types of fund i can look at other than my LS80 to give me a bit more diversification? thanks
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Cash Flow Forecast - Spreadsheet?
Hi, I visited an independent financial advisor approximately a year ago and paid to learn more about investing and financial product providers. Since then I have been very happily passively investing with Vanguard Lifestrategy product. As part of the service, we also created created various long term (+50 year) Cash Flow…
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Should I invest?
Hello I have been reading the forum for a while and doing a bit of wider research but I am still unsure about what to do for the best with my savings. I have £170k approximately in easy access accounts at the moment ( Marcus, Premium Bonds, and Tesco). My situation is this: I am 51, not currently working and I live with my…
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Kids Savings they can't automatically help themselves to....
Hi all, and happy new year to everyone. I'm struggling here to find any info....my mum wants to put a few hundred pounds into a bank account for my 3 year old daughter, but doesn't want her to have it until she is 21. I already have an ISA open for my daughter which she will have automatic access to when she is 18, so the…
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iweb funding?
When i add funds to iweb to be used to buy a fund to be held in a s&s isa is the cash held within my isa acc or is it held within my general account? Or do i specify which account i wish it to be held in ready to invest?
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Nationwide BS login Difficulty
In order to login to Internet banking Nationwide now require a mobile phone number. An elderly family member with considerable funds invested cannot access their accounts online because they do not use a mobile. Neither can they visit a branch at the moment because they are immobile after an operation. Using my Desktop is…
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ISA and Moneybox
Hi everyone, hope everyone doing well, I have a question about Moneybox , currently I have instant ISA saver with Halifax which I try to save up in every month and I was looking into opening moneybox Shares ( I liked the idea it takes my spare change and uses it) but am I allowed to use moneybox and Halifax together ? I…
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FCA proposes single easy access rate (SEAR) per institution
The FCA have today proposed the introduction of a common easy access interest rate per institution and account type (ISA v taxable): https://www.fca.org.uk/news/press-releases/fca-acts-help-customers-get-better-rates-cash-savings The cynic would observe that this will probably benefit the lazy, to the detriment of the…
