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Advice for a complete investment beginner?
Hi,I only have a small amount to invest at the moment, and I am looking for advice on where to begin? Are there any particular books, YouTube channels or other materials that would be beneficial to a complete beginner? Thanks, Vidar
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Where to keep deposit until I buy?
I have recently inherited £18 000. Together with my existing savings, this now puts me in a position to buy my first home (assuming I can get a 10% mortgage...). At the moment this money is just sitting in my current account, making me feel a bit uncomfortable. It's too much to pop into my ISAs, which between them have…
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Multi Asset Investment Trusts
Hi everyone In three years time I'll be looking to move from accumulation to taking income from my investments. An area I am not invested in at the moment is investment trusts, in particular multi asset trusts. Ideally what I'm looking for is a global multi asset trust that produces an income of circa 3-5%. Would…
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Best savings Account - Compound Interest
What’s the best savings account ATM. Interest rates are very low so which is good to start building compound interest.
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Save As You Earn
My husband has a Sharesave plan through YBS which is due to mature Sept 20. We are trying to figure out the best way of keeping this tax efficient whilst getting access to most of the money ASAP and hoping someone in the forum may be able to shed some light on our options and how we go about actually moving the money…
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INDEX FUNDS
Hello everyone, I am new to investing and after weeks of research, I have decided to start to invest in an Index fund or more. As I understood so far the best is to diversify as much as possible but now I cannot decide how it would be better to do: 1. Invest for now only in FTSE Global All Cap (500£ lump sum for now) 2.…
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Childrens savings advice
Hi, I currently have 2 savings accounts for my daughter. One is her CTF with HSBC which has approx £800 in. The other is a smart limited access adult account with Nationwide that's in my name, it has approx £10k in it. I'd hoped to just combine the 2 into a junior ISA but can only put £9k a year in. We don't want to make…
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Joint shareholder refusing to sell
Hello, I've searched high and low for an answer to this problem. I'd really appreciate some guidance. My husband inherited some shares with his brother. The brother had them transferred into their names because it was "easier". My husband wanted to sell his share right from the start but was not allowed by the brother.…
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Portfolio Help!
Hi. Was looking for some input and help with my possible ISA portfolio choices please! Money will not need accessed for +10years but I don’t want 100% equities either to balance some risk. I’m a complete novice and have only built up knowledge by reading lots recently so please go easy. Core - Passives - 1 fund VLS80 vs…
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Any thoughts on investing £300k
It's been a long time since I've read or posted on this forum, so be gentle! We're in the lucky position of having saved (plus a small inheritance) around £300k. It's currently in cash as I managed to sell all of our shares etc. back in February before everything took a tumble. We own our house (no mortgage) and have no…
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Friendly society tax exempt savings plan - still worth the trouble?
I have been saving £25 monthly for 20 years with Scottish Friendly. It was initially a 10 year product but I was given the option to continue for another 10 years (Scottish Bond Plus). The maturity date will be soon and there is no option to continue. I called them and was told informally to expect about £8500. This is…
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Best place to sell shares?
Where is the best place to sell shares in a ltd company?
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Paragon Easy Access Saver rate drop
We’re reducing your interest rate We understand this is disappointing news, and while we always aim to offer you the best rate we can, a continued reduction in interest rates within the savings market means we’re changing the interest rate offered on your savings account. From 3rd July 2020 the interest rate on your Easy…
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Lloyds Bank - future prospects
Hi, as a long suffering Lloyds shareholder, I'm seeking members general thoughts on the medium/long term future of the Bank. Surely, the consistently low share price must be making them a potential takeover target, but by who? I know the CEO is a well respected banker with a previously good track record but it just seems…
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Can't find "AXA Framlington Health Fund Z GBP Acc" on Trustnet
I'm updating my pension portfolio on Trustnet and can't find AXA Framlington Health Fund Z GBP Acc, only their income fund. It shows up on my SL pension platform and is visible on Morningstar and Yahoo Finance but not Trustnet.I don't hold out much hope of getting a quick response from Trustnet and wondered if anyone had…
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Helping parents with investment
Hi, my parents in their early 60s, no mortgage or debts, are not money savvy. They're cash is languishing in low savings rate. I'm trying to persuade them to get a s&s isa, a tracker of some sort, to leave in for 5-10 years. I think they'll be able to put in at least 100pcm. They are worried of losing cash even though…
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M&S Reg Saver Matured
My first M&S regular savings account matured today and I expected to see the balance + interest in my current account, but the savings account has gone from my online account and the money isn't showing. Can't get through to any of the customer service numbers (0345 600 5860 / 0345 9000 900) - they either don't ring, or…
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council house sale
My husband was living at home when his parents bought their council house on 1982. For ease of getting a mortgage they included his name in the purchase and he lived at home for about 2 years. When his mother died 5 years ago it was discovered that his name had not been removed from the deeds, which would have meant that…
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ISA vs L-ISA
Hi everyone, I'm 21 years old, living with parents, and I'm not looking to move out within the next 3/4+ years. I have over £30k saved and I'm looking to find out which ISA is best for me. I've already got a Help-To-Buy ISA (with Barclays) which has been open for approx 1.5 years (over £4k saved in the account) which I'm…
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Do I pay Income Tax on Investment Trust with no dividends (PCT in this case)
Something I can't quite figure out based on my own research... I'm not entirely clear if Polar Capital Technology Trust (PCT) would be treated as an accumulation fund from a tax perspective? (if held outside of ISA / SIPP due to maxing these out - therefore in a standard taxable share account). Does anyone know if an…
