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Profit share investment query
I recently took early retirement and with my lump sum, invested in my son-in-law and daughters business. I presumed that I would have some profits each month, but was told that the monies given each month were in fact my investment money being returned and that for me to get any profit it would be better for me to have my…
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Mixing Vanguard Life Strategy funds?
Hi all I have some funds in VLS, mainly the 80% equity allocation, but a bit in 100% too. I'm thinking of adding yet more, but in the 60% equity allocation this time, as I think we may be in for a rough patch globally. Should I sell my more risky / higher equity funds, and put the money into 60%? If I add new money and put…
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NEX Exchange
Hi, does anyone have experience with buying shares on the NEX Exchange? The company i want to invest with are on there but i know very little about it. AJ Bell don't trade on there, nor do Barclays as i have checked with them and they don't, despite NEX listing them as a broker Any help would be greatly appreciated
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Stock Index Tracking funds and dividends
There are several, low-cost, passive funds available which aim to track the performance of (say) the FTSE100 index. The FTSE100 index is a measure of the prices of the 100 stocks in the index. These stocks will pay dividends. When a stock pays a dividend, the price of the stock will fall (other factors excluded) but an…
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Vct / eis
All Can anyone point me towards a decent independent resource on VCTs and EIS products - TiA
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I wonder what all the billionaires think about all the new stock market investors
For all the billionaires who either bought stock 50 years ago or owned stock via a company they founded, I imagine what they think about the new generation buying now for the first time. For example if you invested 50 years ago you'd be sitting on a pure growth return of 5054% (100.9% a year on average!!) which means if…
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How to split savings across different accounts?
Hello all, I was hoping some more experienced savers could help me think about how best to structure my savings. My partner and I are in a lucky position of being able to afford to save around £5,000 a month. We don't have any credit card debt but do have a mortgage with around £320,000 outstanding at 1.38%, at around…
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AJ Bell AGM
I am an AJ Bell investor, and very well they have done too, since launch, but I really do not understand what they are trying to push through at their forthcoming AGM. Anyone else on here understand what is buried in the PDF ? I can only assume that Bell, Lyons etc are trying to mitigate their personal tax liabilities…
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Just for fun
Having recently read through the “Going with Bonkers..” thread, I decided I wanted to give Bonkers and Muttley another run but in a rather different format.:) I have used Trustnet to sort funds on three month results and picked “Bonkers” from the top 25 funds and “Muttley” out of the bottom 25 funds. I have restricted the…
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Accidentally paid into two cash ISAs
Hi, I’m hoping someone can help me with this I opened a help to buy ISA and cash ISA with nationwide (they let you split the cash allowance), totally approx 15.5k so far This morning I transferred an existing ISA to the nationwide one. After I noticed something in my old ISA and found I’d actually paid approx £800 in in…
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How long for Ford Money interest to appear in the bank?
On January 3 (Friday) my fixed term with them came to an end, money was transferred to another account (also with them), and the interest was supposed to have been paid into my bank account, and according to them it was. But as of Monday 4pm still nothing? Is it normal for it to take this long or should I worry? Thanks for…
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LISA - is it worth it?
As somebody who has pretty much decided to fund retirement by: 1. Owning one property outright 2. Investing in index trackers via s&s ISAs each year It came to my attention due to my age that a Lisa may be useful (I am 38). As I already have a mortgage I would use to for the retirement option. Any thoughts on whether it's…
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Public listed companies leaving the stock exchange
I’ve just read this article about public companies being bought out and leaving the stock exchange. What would happen to the market if this practice continues? What happens to those invested in (for example) FTSE tracker funds if there’s no more companies left in the FTSE?!
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best way to save
Hi i wounder if anyone can give me some good advise on the best way to save or invest my money? I am 26yrs old and at the moment i have got £32,000 in my bank account which is just a normal current account where its not making any interest. Many thanks Dave
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Shawbrook Bank Easy Access - Issue 17 Annual Problems
Following MSE recommendation, I opened a savings A/C with Shawbrook Bank yesterday and followed their instructions and deposited the account with money from my Lloyds a/c, it left my account through Faster Payment at midday. I anxiously waited for the money to arrive in Shawbrook Bank all of yesterday and today but to no…
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Large sum from house sale, best savings plan
Hi I am just about to complete the sale of my property and am going to be renting for the next 12 months or so before buying another one. This will leave me with 500k or thereabouts (the equity in my current property) that I need to put into a savings account/s for the 12 months. Am I best just splitting the amount up and…
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Advice and suggestions: investing for kids
Evening all I've been reading the excellent advice dished out on this board for a while now, so thought I'd join in properly... My own (admittedly very first-world) problem is that I have c. £200k to invest for my children and not entirely sure of the best thing to do. The money is held in trust and is currently sitting as…
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long term advice
so after some brilliant advice received on here of which i told one of my friends about, she has recently bought their first home and is wondering how to invest for the future. like myself she wants to save as much as possible to move into her forever home in around 15 years time. My advice to her (which is what i would…
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Working out AER/Gross to monthly/daily...
Can someone guide me on this? I know there are going to be subtle differences based on when interest is calculated (daily/weekly/monthly/quarterly/annually) and when it's paid (monthly/quarterly/annually). Basically, I would like to work out the monthly values for a regular saver Vs a lump sum saver. Both give annual AER,…
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Lower risk investments for spare cash?
please bear with me,i think ive been here before possibly with a similar question. Ive been doing a nett worth audit and the current position is that im about 61% cash, 33.5% invested in funds/shares,about 6% in a SIPP. I'm in my 50s and also have a DB pension with a very decent CETV if i want it. I am reluctant to…
