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How safe are my investments??
Hi, I have a Vantage Account with Hargreaves Lansdowne. I have a Stocks and Shares ISA, a SIPP and a Fund and Share Account. All of my money is tied up in this Vantage Account. My question is if this money is safe?? I'm aware that a max of £85k is safe in a single bank account and its wise to diversify to ensure the rest…
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Retirement plan and life change
Not sure if this is the right forum, part of my question probably belong to it so I will go ahead, moderator please feel free to move it if it's wrong.In the process in the next year or so of paying off our mortgage. I am 58 and my pension plan is not the greatest (made the mistake of not investing early enough). At the…
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Where to move ISA?
I have just completed a current account switch from Santander to Nationwide. I still have an ISA with Santander which has full 3 year allowance(60k). It is currently earning 1.50% but this will be reduced to 0.35% come April. Can someone suggest some ISA's I can move it to? I have already had suggestions of Marcus account…
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LISA
Hello MSEs,I currently add money to the stocks and shares ISAs each year (usually the full limit) and use this to invest in different funds or shares. I had been reading more into the LISA's and how you can receive the 25% on up to £4000 and still invest in funds and shares. To me, it seems like a great idea to invest the…
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Santander 123 options
With the upcoming reduction in interest to 1%, where would be the best place to move the £20k I have in this account? It does not have to be a current account, as I have one with a different bank which I can transfer my 123 direct debits to. I would consider a short term fix if required.
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Financial adviser retiring - Would like to manage money directly now
Hi My financial advisers is retiring and the company is being shut down. A larger company has been recommended and the paper work is in front of me, to transfer ownership (fee payments/advisory capacity) to the new company. My money is in 3 pots, I have spoken directly to all 3 pots and have determined I can deal directly…
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Struggling with feeling of missing out
Hi All,I have some crypto. I bought it a long time ago for practically nothing. Its now in the 6 figures in GBP terms. I have this feeling that yes it was a good investment but I don't want to be missing out.. what if it goes to 8 figures?! I mean, a few 1000% it a great investment. The money isn't life changing. It is a…
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Investment thoughts
Has anyone ever invested in or investing in either of the following or even has anyone any thoughts ? * INVESTEC MA PROTECTOR 2 I ACC(ACCUMULATION) * INVESTEC MULTI ASSET PROTECTOR A ACC (ACCUMULATION) * ARCHITAS MA BLENDED GROWTH A ACC(ACCUMULATION) * AVIVA INVESTORS MULTI-MGR 40-85% 2 £INC (INCOME) * L&G EM GOVT BOND US$…
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Funds Question
So I have now opened up a Stock and Shares ISA and have started looking into the world of funds. I have read here about going for larger global funds as per the risk factor which I don't mind about Any funds out there I can look at? I am also using the Halifax Stocks and Shares ISA
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Investment Advice anyone?
Hi, I am looking for advice on what and how to invest. Basically, I have been burnt in the past with etoro and its stop losses etc, so I know the pain. What I want to do now is: A stable Robo invest account with a start fund of £1000 and monthly input of £100 A shares/stock where I can input another £100 monthly where I…
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HL fee cap on ETF's?
I notice that HL cap their fees at £200 on shares, investment trusts & ETF's... This could make the platform significantly cheaper for large pots when compared to using HL and investing in funds? Or am I missing something? (I know there are cheaper fixed fee platforms for large sums, but I just want to talk about HL)…
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Cavendish platform?
I would welcome opinions on the use of the Cavendish platform. Any pro's and con's etc would be most appreciated.
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Low cost investment in China etc..?
I'm looking to add an investment which includes China,Taiwan and other similar countries. Not too bothered if its an acc fund,IT or ETF. Just browsing funds , i wonder why some deliberately exclude Japan?
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Help to buy ISA - Pointless after £10,000?
In regards to the Help to buy ISA. Is this now pointless after £10,000 is reached? For example the maximum you are given is 25% on £10,000. Thereafter, is it best to move any savings over £10,000 into a better rate savings account? Most importantly, moving any money from this account wont affect the 25% government bonus…
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best SIPP in year 2020
hi guys, i am planning to start SIPP with 500 pounds a month. i already have workplace pension with 'the people pension' provider and i have opted for '100% share' investment in that. the fund i have chosen in that has .50% charge and the people pension has 0.50% charge so overall it's 1% annual. now i can either just ask…
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Anyone heard of www.wee.com
Hi I got invited to be an early investor in this company, https://www.wee.com/gb/en/home loyalty cards and a new crypto currency about to launch called Weemat available here apparently https://www.probit.com/en-us/ieo/wma-round1/1 already live in China, Russia and Germany so Im told by the vendors. Its about investing in…
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Inheritance
My 1st post so not sure really if I have selected the correct category as it's a bit of a mixed bag all round! My siblings and I lost our beloved Mum at the beginning of the year rather unexpectedly. We are in the process of clearing her house and marketing it for sale. But this means we will be coming into our…
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New Santander online authentication causing concern?
Santander have uplifted their online banking site and the login authentication is simplified. They have dropped one of the validation criteria ie password and now I can login just with my user id and hard fixed length PIN code - 5 digits (which is valid for telephone banking as well). Very simple and seems to be in…
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Test
Testing new format.
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This investment is good right?
So I've been using the Moneybox app for a year or so now and this is the current breakdown - this is good right? I've paid in £3380 and it's now worth £3683.90 so I've made around £300? I should carry on with this right?
