-
What should I invest in or do?
Hi everyone, So bit of a long story stick with me please. I’m 36 currently living at home with my parents, just had to return home due to personal reasons, I have no children and no real commitments (I own my car etc) and have no debt. I have around 12k savings, some in a cash isa some in a regular savings account and most…
-
Making the most out of lump sum/monthly savings
Hi there, I would really appreciate some help on how best to make the most interest out of our current situation. We're both have no idea what to do/where to start. - married couple - saving for first time home towards the end of 2020 - basic individual current accounts - Monzo joint account for bills and shared spendings…
-
How To Best Invest Lump Sum
Hi All, some advice please. Just sold a property and have £50K lump sum. Really don’t know what’s best; save or invest? This money will be used to invest in a future home so want to maximise savings. There is so much information out there about how to best invest that I’m totally lost. Appreciate any advice you can offer.…
-
Transfer cash ISA
Dear all, I was hoping someone could please clarify the below question for me which is probably fairly basic but I am a little rusty so please bear with me. When one is transferring their cash ISA to another provider or considering doing this does the full amount need to be transferred? From what I have read on here it…
-
Vanguard unknown debit
hi all, placed 500 in Vanguard LS80 last week 0 have just checked my current account and have a direct debit addressed to vanguard for £17.99 with last payment stating 01.01.2001 anyone know what this is/had anything similar?
-
Opinions on a single global/world ETF instead of more than one global/world ETF (110k+ invested)
Hi all, This may sound a bit of a silly post, perhaps, but I was wondering if I could ask for some opinions on whether what I'm currently doing is potentially alright, or whether I should consider doing something else. Basically I have an account with HL and in that account I have: - Stocks & Shares ISA currently investing…
-
Delivery versus payment exemption
I've recently received a letter from one of the fund managers of one of my investments asking me to sign a letter which confirms that I'm okay with my money not having the same level of protection as if xxx had treated it as client money. "My money" is the proceeds of a sale (redemption proceeds) or a "subscription…
-
Investments outside an ISA/SIPP
I have reasonably large investments siting outside tax shelters. My total income is above the personal allowance but below the Personal allowance + starting rate for savings level. I have invested in a number of etfs which are very efficient from a fee perspective but I think I might have shot myself in the foot on the tax…
-
A mix of current and quick access savings accounts - is there anything better for my situation?
Currently I have 5k sat in a Club Lloyds account and 20k in a Santander big standard savings account earning 0.1‰ I also have a second standard Lloyds bank account, and a Lloyds online saver, as well as a basic Santander bank account. I'm looking to maximise the interest on these savings, but there are some restrictions.…
-
Zenith Bank details
I've opened up a 3 year fixed interest account with Zenith Bank using the link from the moneysavingexpert website. It then asks me to make my opening deposit to a Barclays bank account. • Our Account Number: 13892603 • Our Sort Code: 20-32-53 • Bank Name: Barclays Bank Plc • Account Name: Zenith Bank (UK) Ltd This seems a…
-
Wahed
Invested £100 0n 24/6/19 So I can withdraw now (180 days), yes ? Problem is the "withdraw" box is greyed out. "Add funds" IS available. Anyone else have this problem ?
-
Child savings interest & the £100 rule
Morning all We have a savings account for my daughter. Myself and my wife have put money into the account as well as grandparents. In the next year it will receive over £100 in interest. However not over £100 individually from my wife or myself. First question is if we need to do anything in relation to HMRC or will they…
-
Transferring CTF (investment) to Junior Cash ISA
Hi there. Happy New Year to everyone. I am looking for some friendly advice. After a shock last year when my sons CTF lost about £800, I contacted HSBC to find out more. He is 14 at the end of the month so has 4 years left. They told me that they don't invest any differently towards the 18th birthday so the level of risk…
-
Barclays ISA drained by online fraud
I recently fell victim to a scam, and as a result my current account was emptied, my ISA with £8000 was emptied and a £25,000 loan was taken out in my name, put in my account and then also emptied...….. I started off talking on a face book messenger app with my friend and we were chatting. After a good while, my friend…
-
Selecting a global index fund
I'm increasing the % of my equities in index funds and, since I want around 15% in the UK, plan to split between VLS100 and a more representative (ie 5% UK) fund. I am not too fussed whether it is an OEIC or ETF but other things being equal I prefer OEICs. I'm looking at three options: i) HSBC FTSE All-World Index. Fully…
-
Isa or fixed rate
Got £30000 to invest for three years,dont need access,never done an online bank transfer,how easy is it or do i need a cheque?
-
Child saving account
Happy New Year to you all. I am looking for a child's saving account, my son who is 8 has had a bank account since he was born and we have been putting Christmas/birthday money into, but doesn't seem to be making money. Can anyone advise what is the best account, or ISA/Trust fund to put money into, he wouldn't be able to…
-
Long term savings account
Over the last couple of months I have opened a Marcus, Coventry BS and a Principality BS regular saver, with a total of £170 split between the 3 accounts going in each month. Is there anything out there that I can deposit money into each month but for a longer period, 2 years plus?
-
Gilt Question
My 2 kids were left some money which I put in a "bare trust", now with HL. After 6 years they have about £33k each, invested in Monks IT. It's done very well, but as they are now only 2-3 years from university I am thinking I should move it to somewhere less risky. I don't fully understand Gilts, but if my reading of the…
-
Extra £750pm to save
Hi I'm hoping to buy a house in the summer through shared ownership. While I'm living with my parents I'm able to save approximately £750 a month until then so I'm wondering where is best to do this - the regular savings accounts seem to have a max allowance of around £250 so not entirely sure the best place to save.…
