-
IFA through vouched for -free consultation boundaries?
In light of the current situation, i was looking on the forum / website and sent a request to vouchedfor to get a free consultation from an IFA an appointment has been arranged seemingly with a director at a local wealth company, i know there is a no obligation to follow through, but i thought it would be good to get an…
-
Placing a large buy or sell order -unable to deal
Im just wondering what is considered a large buy or sell order? I tried to place a buy order with my on line broker (Halifax ) but they could not action the order. I was offered the option to place an order for individual dealing/negotiation (non cancellable). This was for a FTSE100 stock. So what size deal is considered…
-
Simplest method to purchase £5k worth of shares as a one-off
Hi, For some time I've considered purchasing some shares but never had the courage to actually go ahead and invest. I feel now may be the right time. My aim is simple. I would like to invest £5000 in an one-off trade. The entire £5k's worth of investment will be with a single UK company's stock. Once purchased, my aim is…
-
Lump Sum Options
I recently got a lump sum of £205k. I want tom pay the mortgage off (£201k remaining) but it seems under my current fixed rate deal (FRD) there is a 5% redemption fee. Which means taking a loan to pay off the redemption fee ...kind of counter productive. Our FRD ends in December 2021 and so unless I can persuade Santander…
-
Grr, Nationwide!
Been with Nationwide for over 30 years, and there was a time when my family and I had a great deal of money invested with them across many different accounts - their rates were decent and from time to time they came out with market beating members only bonds. Well that's been eroded bit by bit over the past few years.…
-
Newbie question about opening a stocks & shares ISA
Hi, wonder if you can advise. I understand that one can only open one stocks & shares ISA per tax year. I have an existing one from the last tax year and every month I put in a small sum of money into it. If I do open another stocks & shares ISA in this tax year, does that mean that I must stop contributing to the other…
-
Joint investment account
Hi everyone, I'm trying to find a saving \ investment account that gives access to stocks, shares funds and can be opened in joint names, Something like natwest invest or aviva investment account, simple access to a range of risk rated funds. Can't find any that allow joint accounts, does anyone know of any? Thanks, Ash
-
Monthly investment for an 18 year old - cash LISA, S&S LISA, S&S ISA, something else?
My son is 18 years old. He is working full time and has joined his company pension scheme. He currently lives with me (which is unlikely to change for a few years) and has enough cash savings for his immediate needs and to buy a car once he passes his driving test. He has quite a lot of surplus income each month and wants…
-
Have we seen the bottom of the stock market?
What are peoples thought on whether we've seen the low point already? Are they going to drop further once the 1st quarter reports start coming out and we start getting more idea how long lockdown is going to continue for? If further significant falls are coming how low do we think they'll fall to? I could see the FTSE100…
-
ISA or savings
I have £20k in a nw variable ISA at 1% should I close it and move my money to a Marcus saving variable account at 1.3%
-
Help to Save and Covid 19
In view of the fact that the Help to Save Scheme is for low earners, is there going to be any extension to the time period? On 80% of our wages, neither my daughter nor myself can afford the £50 we normally pay in by DD but since the scheme started we have never missed a payment and got our first bonus. We have really…
-
Investing a critical illness payout for a 16yr old
Hello I have recently had a £15k payout from my critical illness policy, following my 16 year old stepdaughter’s illness. Luckily, she is doing well now after a major organ transplant. I have given £3k cash to her to do what she wants with. (A bit of enjoyment for her as she loves shopping!) The remaining £12k balance is…
-
dividend yield vs distribution yield & Choice of acc or inc funds/etf
Hi, was researching some ETFs to diversify my portfolio with some Bonds and came across IGLT mentioned on monevator, so thought id have a look. https://monevator.com/using-exchange-traded-funds-to-instantly-diversify-your-portfolio/ it suggests Why it’s good: You get a regular income, fixed when you buy the fund. For…
-
HELP, sent money to my closed account
Hopefully someone can help, I’ve just transferred some money to an account I closed 6 months ago. Will it bounce back or will be this the start of a battle with the banks to get my money back. Not sure if I’m up for a fight at the moment. Thanks in advance for any helpful advice.
-
Africa/Latin America Index Funds
Does anyone know any accessible Africa/Latin America Index Funds (I think growth in Africa especially will be phenomenal in the coming decades). I've had a quick look around but can't seem to find much success - finding funds for certain geographic regions is difficult. Alternatively, I would also be open to other long…
-
Are Premium Bonds the Preferred Choice Now?
I have several thousand sitting in a current account accumulating no interest. As most saving's accounts are paying next to zero are premium bonds the best option for now? I want a home for around £10k until this time next year when I will need the funds. Current setup is as follows: HSBC £150.00 HSBC…
-
Can the government back out of paying my LISA bonus?
Hi All, sorry if this is a question that has already come up but I couldn’t see it. But in light of the current situation and the blow on the economy, I was wondering if the government might say they won’t pay the bonus on my LISA, as a way of getting some money back. Can they do this?
-
Pension vs Lisa = Winner?
Hi, excuse the ignorance but i'm a little confused on a something. Let's say somebody has £1000 spare and is post taxed - so let's say after being paid. This person could either a) put it in a LISA and get 25% so taking he's £1000 to £1250 no further tax or.. b) put it in their pension getting 20% back so only costing him…
-
Is it a good time
Iv inherited some money and want to invest 1000 pound's is now a good time to do so and I have no idea about shares or investment to be honest any advice ?
-
Transferring S&S ISA from HL to Vanguard
Hello All, I've had a S&S ISA with HL for many years. I don't have a great deal of cash in it, (~£12k) but would like to transfer it to Vanguard. It seems an easier set up for a part time investor like me. Would I be crazy doing it now when the markets are down, or should it not make much difference as it's down on both…
