-
Another 'do I need an IFA?' thread but with unusual circumstances...
Hello! I've seen quite a few threads about whether or not people need an IFA and I've been wondering the same. However there are a aspects to my situation which are (thankfully) rather unusual and I think make the answer even less clear cut (or maybe more?) than for most people. I am almost certain (I've not seen the final…
-
Where to move my money too?
How and where do I invest £20,000 In current climate. I even thought of putting it in premium bonds. Help
-
How to keep track of it all
I was wondering how people keep track of their net worth and future pension worth. I have tried to do it via a spreadsheet but have not been too successful as I have 2 defined benefit Pensions with different payment dates, a lifetime ISA a stocks and shares isa and cash savings. I was trying to model what I would have at…
-
Vanguard - ESG Dev. World All Cap Equity Index vs ESG Dev. World All Cap Equity Index (UK)
Hi all, I've noticed Vanguard are offering a new index fund (ESG Developed World All Cap Equity Index Fund (UK) - Accumulation, launched 22 June 2020) which appears to be identical in all respects to the existing fund (ESG Developed World All Cap Equity Index Fund - Accumulation, launched in 2011). Can anyone tell me what…
-
Uk investments from overseas
Hello I am an Expat living short term in Spain. I would like to invest in shares etc in uk. Is it legal as I am not uk tax registered at present?
-
3 Year old childs savings.
Hi, Obviously I'm aware it isn't the best time to get good rates on any savings accounts but just wanted to see if there's anything out there that might be more suitable than what I have now without trolling through different sites. I used to bank with HSBC but have now switched to Starling but I kept my childs savings…
-
Cash in a SIPP - means-tested benefits ?
Hi all,If i put cash into a SIPP ( and leave it in a cash account ) - is this amount taken into account or disregarded in regards to means-tested benefits ? **** I expect to continue working for the forseeable, and not entitled to ( or seeking ) in-work benefits, question above is something that i thought about , and…
-
Is this okay to do? (Mortgage deposit)
hi, just after some advice we are exchanging contracts this week on a new build property. We are continuing to save our deposit until completion (Nov/December). The savings are currently sat in a isa topped up by my salary each month and won’t make much interest as the rate is so low. I was thinking or putting the savings…
-
Online Broker ETF charges?
Can anyone tell me which Brokers charge the least for using their platform for ETF monthly drip feeding. I'm with AJ Bell but their charges on top of the fund charges seem a bit pricey. Thanks.
-
A savings account for foster children
Hi there Does anyone know of an account I could own for first children who have been in my care? Ideally it would be an account that only the child could access when they are older and I obviously would not have a parent or guardian with me? Id have a lump sum to start and also like to be able to pay deposits in on special…
-
New to LISA
Hi All, I dismissed LISA's in the past as I assumed they were for people buying a house (I have one already). However, just reading that I can save £4k per year and receive 25% on £4k this year each year until I'm 50. Have I understood this correctly? I'm 36 now.
-
How do I calculate...
...today's value of £14,500 simply put and left in a bank account since 2004, please. Is there an online calculator that would work out the interest that this would have accrued over the years? Thanks in advance.
-
VWRL
Hi, I bought VWRL VANGUARD FUNDS PLC FTSE ALLWORLD UCITS ETF US though iWeb Platform, I just noticed that there was some cash to invest showing in my account. It seems there was a dividend paid. I thought mistakenly that VWRL was accumulating rather than income. My question is can I have the same fund on an accumulating…
-
Taking money out of a BTL to invest in a holiday let
We're considering selling our BTL flat in London (£300k mortgage, worth £500k) and buying a holiday home on the Kent coast (£350k-ish) with a holiday let mortgage. The plan is to AirBnB it most of the time, except for some weekends etc when we'll visit and stay there. I was hoping for some advice from this knowledgeable…
-
Portfolio Analysis Tool??
Sorry guys I’m sure there’s a relatively easy answer to this but I cannot find it! Where can I obtain a free portfolio analysis tool which lets me add investments and see the weighting totals for equities/bonds/countries etc Morningstar I’ve been told doesn’t save it unless it’s the paid version so need to keep re-entering…
-
Financial Ombudsman - what to expect?
I believe my parents may have been scammed, or at the very least, poorly advised by their FA. Earlier this year I found out that they were having trouble getting cash out of their investments. After a bit of digging, it seems that their adviser recommended they put their money into a syndicate - which I believe is…
-
Advice on saving for a deposit...
Hi everyone, I just wondered if people could give me some advice on how I should budget to save a deposit . I’ve finally paid off all debts I have so clear to begin saving. Im in London so deposit will be large and take me a long time. My income is £2218 a month and after all bills I have £1260 left, but this doesn’t…
-
Is it worth it?
Presently, I have a Santander 123 Current account. I'm mindful of the fact that on the 3rd August, the interest rate of this account will drop again to 0.60%, so definitely an incentive to move. My preference would be to move to a similar easy access type of account. But my question is, is it worth it, since it seems to be…
-
What’s the best thing to do with money from the sale of a property?
Hi everyone, just wanted some advice on what do do with money from the sale of a property? So, we were looking at putting £100 to £150k into an account to earn some interest and add extra to it monthly (but don’t want to be tied into having to do this every month). We don’t necessarily want to have instance access to those…
-
HSBC platform
At .25% the HSBC platform seems quite competitive yet its never mentioned much . As Im looking to have one of its global funds, is there any reason I should be looking elsewhere for a platform ?