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Purchasing shares within an ISA
While I don't have a lot invested, the overwhelming majority is in managed funds; they've done well so no complaints. I've recently enjoyed purchasing shares within my ISA but there are no non-FTSE offerings.I am assuming that you can't wrap shares traded on foreign exchanges within an ISA. Is that correct?
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Options for depositing parents savings and house sale.
With the passing of my mother, I have an LPA for my father. I have had to close my mother’s savings account as I could not transfer to his name and will also have the funds from sale of their house. I will keep his current account to pay for his Care home but would like to know the best place to deposit the rest of his…
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HELP: Wondering what to do
Hi All,Bit of background Mortgage - £163k @ 2.34% (due to end Jan 2021). House Value - £205k Savings - £75k What's my best course of action. My thoughts are 1) Just continue as I am, paying off mortgage as interest rate isn't big (you may convince me otherwise)2) Buy another small property at around 80-100k and rent it out…
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AA Savings... more BOI incompetence
Just received this - "Whilst you've been saving with us, your account has been earning an introductory bonus of 1.27% gross fixed. This bonus comes to an end on 26/06/2020 and from this date your interest rate of 1.47% gross*/AER** variable will reduce to our standard rate of 0.20% gross*/AER** variable". You'd have…
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Anyone else trying to get their money out of Funding Circle?
Just wondering if any others are trying to get their money out of funding circle, this is my situation. When they changed the rules on selling loans I started to consider my options, I turned off new lending and started to filter my money out as it built up but then corona virus hit. I started off with 2k in a classic…
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Need Advice
Hi I’ve just sold my home and I need to know where’s the best place to put my money which is over 100k please help
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BEWARE - Dividend Reinvestment Plans
BEWARE - The dividend is not reinvested in shares on the date of the dividend payment, but in the market over several weeks ahead. If the share price increases you can be committed to blind purchases at an inflated price without any control, plus you pay a % service charge as well as the stamp duty. Today I was allocated…
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Teach a first time investor please...
Would you generally choose shares or funds? What companies financials do you look at? What research do you do? How do you decide where to invest your money? ... where do you start?
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Help to save query
Hello I recently learned of the help to save account through Martin and applied for it but the gov.UK website said I wasn't eligible add I hadn't earned enough money during my last monthly assessment period, I am on universal credit. I was paid for some work at the beginning of June,over the minimum requirement of £604.56…
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The market times you even when you don’t try to time it
This is just getting something off my chest. Since I starting DIYing in 2017 I’ve made many changes as I gradually
created a portfolio I’m happy with. Each time this means being out of the
market for a day between the sell and the buy. Almost every time I’ve been out of
the market it has risen in that day and has cost me,…
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Secure Trust Bank Rate Drop
Anyone received anything in the mail prior to today. I have not received anything by post or email until a minute ago... A reminder? First I've heard. Two weeks notice on a 90 day notice account.. Awful customer service. This is a reminder that, as stated in our previous communication to you, from 25 June 2020 the interest…
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What to do?
I have a spare £100 a month which I am happy to save for a long period. Am I best paying more into my pension/paying into a Lifetime ISA/paying extra on my mortgage payments/ something totally different? I appreciate there may not be one clear answer here, I just hoped someone may be able to give me some advice. Thank you…
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National Savings NS&I - Will the market-beating rates continue for long?
How long is this market-beating rate of 1.16% on NS&I Income Bonds (and 1.00% on the Direct Saver & 1.40% on Premium Bonds) likely to last? Given that the government is borrowing at near-zero interest rates in the financial markets (even selling negative-yield bonds on occasions in the last couple of months), and the Bank…
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LISA Bonus
i have just opened a LISA and im currently able to save on average more than the 4k per year limit, im looking to buy a house in around 18 month time, would it be possible after 12 month transfer a lump sump into the LISA to benifit from my full second years bonus?
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Who is eligible to take a pension
I am looking for some advice on what to do or who to go to for advice about a pension. My father worked for a large multinational company for many years and paid into a pension. He was divorced and did not keep his beneficiaries up to date. When he died he had an ex-wife and grown up children. Advised by company that we…
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Redundancy
Hi, I have had to take VER & will get a small VER payment, so with current savings put me just under the benefits £16000 cap. I will need to get a car as my works 1 is going back, being told my VER will be taken into account when making a claim? So could I buy a car on fiance or a credit card & pay it off with my VER…
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Insurance Bond
My elderly and not terribly healthy, recently widowed (6 months ago) mother has what I understand to be an investment that is an "insurance bond" that her and my late dads lives were insured with. I think when she passes the value pays out, or at least that is what the company told me when I informed them of Dad passing.…
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Maximizing my income
Hi guys, First of all, apologies if this post is in the wrong place! although I have always used this forum to get answers to questions, I have never posted! I'm on a modest salary of £25K and my partner £18K - due to the ongoing COVID19 situation, it's unlikely there will be many opportunities at work, although I want to…
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Poor return on Premium Bonds
I am clearing out my office, and discovered a GBP 1000 premium bond which I bought in - 1993! Whoops....I vaguely remember that I used to get small prizes EVERY year then, so set about letting NS&I know where I now live. Not a good start..their site did not recognise a valid postcode, which appears on the bond, as my old…
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When to make more baskets for your eggs
Hi All I have now opened accounts in Vanguard pension 2030 account - 40/60 life have put an initial £5k into this and am drip feeding money when I can, eg cant get to the hairdresser so that money goes in . isa is 20/80 account £8k and again drip feeding when I can have emergency money in marcus and other cash isas so I am…
