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Savings & investments

Archives for July 2020

Property Index fund
Do people have a favourite REIT tracker? I want to add one to my portfolio for diversification (main holding is a VLS). I like the look of this one: https://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/i/ishares-global-property-secs.-eq.-index-accumulation-inclusive which I found through…
High Divident fund investing?
Only a few years in, went the trusted VLS80 "fund and forget" route both in my ISA and SIPP. I keep reading about investing in dividend funds that invest in companies which consistently pay higher dividends ( not just cherry picking the ones that top the list for a particular year) and wondering if it's a better route?…
Gold at record high
Previous high smashed; gold @ USD $1940 Silver catching up but still has more potential gains to come to reach it's previous highs.
Tax on NS&I savings
Hi, I am looking at investing largish lump sum but want it 100% safe. Although I don't need the income per se and will re-invest the interest, I am looking at NS&I Income Bond because the rate is higher than their investment account but I cannot figure out how it is taxed. Do you get the first £1000 of interest tax free…
Low risk investment
Hello a friend has asked me advice on a low risk interest earning on £50,000. They currently have the money in a Santander savings which is doing nothing. can anyone recommend products they should perhaps consider? Government bonds are neg interest I believe but I don’t know if that is a good thing or bad thing for the…
Any help deciphering my partner's investment options
I must firstly apologise that I do not know much about this area and my questions may be poor. My partner is asking me to help make decisions on shares and stock options in terms of cashing out and re-investing. I am under pressure to help, but I am not knowledgeable in this area. She reckons her company are not public, so…
Day traders helping to push US markets up
What could go wrong ? https://www.bbc.co.uk/news/business-53201204
Reached yearly limit on LISA
Myself and my partner are midway through saving up for our mortgage deposit using a LISA through Newcastle Building Society. We have ensured that we channel almost all of our savings into the LISA to make the most of the 25% bonus. Our savings currently: £6697 - my LISA £6697 - his LISA £600 - normal halifax savings…
NS&I
Apparently you can save with NS&I up to £1 million. Is that £1 million 100% guaranteed ?
Worst case investment scenario - what to do?
This might or might not be a plausible scenario and it's not one I'm expecting, but as a novice I'm still interested in advice even if just for my own learning/understanding process.Suppose I've opened an S&S ISA on the Vanguard or iWeb platforms with a view to putting £30k into (say) the VLS60 fund for 10-15 years. I've…
£300k Saving / investment Advice
Hi I am after some advice on how I should invest £300k plus for the short term which is currently sat in a low interest savings account. My circumstances are as follows: Widowed with 2 young children. I moved out of what was my main residence and have letted out on a 12 month rolling contract. The property is mortgage…
Paying a regular saver account deposit manually
I usually pay manually into one of my regular saver accounts every month on the very first day the deposit is allowed in. However, if your first deposit day is say the 25th of every month, should you still pay this in today (as today is the 25th), even though it won't show on your regular saver until Monday 27th? Because…
santander blocking SO payments to NS&I
hi opened a saga savings account only for rate to half within days. so followed Martins advice and tried to set up standing order through Santander to NS&I, but the Computer says NO. even phoned as stated unsecured etc etc, bit worrying. Its a system problem, they stated that they can't fix. Anyone else with this problem?…
Decision: Sell flat & invest or keep flat as investment
Background I'm currently living in my partner's house and I've been renting out my own flat for about 19 months. My current tenants will be moving out in September and I'm looking at options regarding the flat. Future plans 3-5 years My partner has fixed her current mortgage for 2 years so won't move anytime soon. But…
AA Savings M&S Voucher
Just got an email offering me a £30 e-voucher if I open another AA Easy Saver. Not sure if this offer is open to all
Investments and don't buy house
Hi, It seems that the plan to buy an house in UK is not what I was expecting, super expensive, most likely not safe locations and I don't even like anything about UK, just few locations in London that cost millions and they are not even very well built, just a bit outside London (15-50 miles)) I need at least 600k for…
How to invest money from lump sum from work at retirement and sale of property
I have £20,000 lump sum after working 29 years in the NHS. I have sold my second home and have £60,000 from this. My financial advisor has suggested investment in Aviva, but his advice is going to cost me over £1,000. Any ideas how I can make savings from the money without having to pay over a £1,000 for advice.
Yorkshire building society
Good evening all, I had about £5000 in savings in Yorkshire building society. After I was furloughed I started to withdraw or transfer from the account for bills etc due to a significant salary reduction. I asked for a withdrawal yesterday of £1000 and was told it would be in today. It hadn't arrived by 4.30 so I called…
can some one advise
Hey guys I did a quick search online but cant find it unless im typing in wrong search term there used to be a website called motley something where he blogged his passive investing journey I'd like to revisit that but wen i put in motley fool it doesn't look familiar Can some one just help me out
Child income tax
Hi, my child 2 is disabled and receive dla shortly with the enhanced monies for mobility. Does this count towards her tax allowance and then will reduce the amount she can save? any help greatly appreciated

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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