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Diversifying within US index funds
First a question: within global index funds to what degree does the US exposure reflect a market cap weighted S&P fund? And then a thought... if the answer is 'largely' and you wanted to diversify that a little and reduce your exposure to the monoliths (as discussed a little in this thread) how would you do it? Here are…
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Best place to save regular sum
I am looking for advice on best place to save approx 800 per month. I don't need access to it as it's towards retirement. So probably be for about 5 or 6 years before access. Is it best to use fixed rate savings or put into an ISA? Advice would be welcome thank you.
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Drip feeding not so simple
I have just opened a easy access savings account with the intention of drip feeding into a regular savings account. I now realise that the savings account only allows a linked account with a current bank account (that appears to be standard for both top easy access savings accounts). I presume my only option is to set up a…
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Saving/Investing for Children
Hopefully this will be a simple one! What are the implications around using a HL Junior Fund & Share account to save towards my child's future? I understand that as a parent, they can only earn £100 income before being taxed, however, I'm unsure how this affects them because I plan to put the money into accumulation units…
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Interest on Investment account
I noticed that Vanguard give interest on cash held in the cash account (ie cash not invested in funds). I know it may not be much as it's not prudent to hold a large cash balance, but what I'd like to know is, does this 'gain' need to be declared as interest and therefore offset against the PSA, or does it form part of the…
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Good savings account
Need a good savings account with low risk. We have just obtained lasting power of attorney for my 45 year old brother. He lives with my parents and has Aspergers, very rarely leave the house and wont use telephone. He currently has an ISA with 25k and a Current Account with Halifax with 30k. We obviously want to do…
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Popular global multi asset funds
Hi, Having started looking into investment a lot more recently there seems to be lots of positivity around the vanguard LifeStrategy funds, are these funds really any better over the long term 10/20yrs than the others available such as the HSBC global strategy , legal & general multi index?? I ask because I am a newbie…
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Recommended saving account?
Hi, all. I am going to start building an Emergency Fund. Who have a good easy to use savings account? Want one that I can run via my phone or iPad. I have personal accounts with Starling, so something similar would be good. Thanks, Ali x
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Savings options what are people doing
Hi in a bit of a quandry have around 100k that I want a decent return on but not sure when I will need it. May possibly need it for house purchase in next year or two. It's in Marcus at moment and I have previously done all the high interest accounts. What are others doing that may need money in short term rather than…
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18 yr old daughter - best way to invest £1000
Hi My daughter is 18. We’ve already invested 4k into a LISA but she also has £1000 which would be good to invest separately for the long term. She will want to add to this but I don’t know when and how regularly she’ll do this. I guess it would be good if she had the flexibility of not having to make payments every month.…
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Cheap DIY Investment Platform S&S ISA regular investing
Hi Guys , hope you can point me in the right direction. I am looking to open a diy stocks & shares ISA and would like to know what the cheapest platform would be for me. I will be investing 4-5k lump and pay 200 month in. i will invest some in funds and some in stocks/shares. I have also seen apps that allow ISAs such as…
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Scottish Widows ISA
Scottish Widows * Has anyone any experience in using this provider as an ISA? * Has anyone any thoughts/views on their environmental fund?
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Saving advice for my daughter
Hi people, I have read a few posts on this forum but I would still need some help. This is for my daughter. She is planning to remove her money from the bank she is with (saving account with the Halifax) as it does not bring hardly any returns. She is planning to put £5k to start with, and pay in around £200 to £400 per…
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Halifax Bank poor advice
Last year I asked my friend to pay in a cheque to my C / account, she was told it had to be paid in in person. This was wrong and later Halifax apologized. (This only applies to cash). This year my friends debit card did not arrive and Halifax branch told her she had to order them now. I was also told this when I rang…
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To LISA or not to LISA
Hopefully this thread will manage to wrangle out my slight confusion on this topic, as a colleague and I were debating last night and couldnt come to a conclusion. To give some background, we both top our pensions to reduce our taxable salaries down into the 21% lower Scottish taxable bracket. We are looking at a means to…
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Insurance against online stock brokers going bust?
Has anyone considered the risk of these brokers who in effect hold your money going bust? Are you aware of any insurance products to address this risk? or any other solutions? thanks maya
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Post Office savings - DD appears to be cancelled
I've been using PO account to generate an extra DD. All worked well for a year, but last month the DD wasn't taken so I lost interest on a current account :( At the moment the situation is the following: 1) The current account doesn't show a PO DD set up 2) The PO account does show the current account as the linked…
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How to find a reliable financial advisor?
Hello. My brother is returning to the UK after working abroad for 20 years. He contacted me with a question to which I do not know the answer, so I thought I would ask here. He would like to find a financial advisor to help with his saving he has accrued (which I believe are close to a quarter of a million). He will need…
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Dividends + CGT in funds
Hi all, Am I correct in saying, that If I was to invest outside my ISA allowance for the year in a fund , and the fund made £2K in dividend payments, and £12K profit ,these gains are tax free using my dividend + CGT allowance for the year? Or do dividends count towards overall CGT ? Would it be ok to sell part of a fund at…
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Investments Advice, Guidance
I currently have the Halifax Share Dealing Sharebuilder Account - I am a group based colleague so it makes sense as i have no fees for regular investment. Currently my investment portfolio is bank based. I will be diversifying in my next regular investments into other industry. My current set up looks like this: * PCF…
