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Matured Endowment policy
Hi. I had an endowment policy from June 1995 to June2020 for £60k. This has now matured and they want to give me lump sum of £40.2k. Includes bonus. I was told I will have surplus. I have already paid off the mortgage but was hoping for better lump sum. Is there a method I can argue my case to obtain more or should I…
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Scottish Mortgage Investment Trust
I'm a big fan of this trust run by James Anderson. I put a monthly amount into it via HL together with a couple of ETFs I have there. Now, I know that SMT is a fund and not an ETF, but the fund charge on HL is 0.36% then obviously HL charge their platform fee. If I wanted I could invest in SMT monthly using a free trading…
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Buying into bond funds in 2020 - is the world enough?
"Investing in bonds shields you from the volatility and inflation proofs your savings" is the conventional wisdom. But I see many posts on this Forum challenging this. I have just moved from 100% equity investments to 60/40 equities/bonds (all in OEICs in a S+S ISA/DC pot) in an attempt to de-risk a bit as I am retired.…
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Should I stick all money from building societies in a Marcus account?
I'm 26. I have a Marcus account with £18k in. I then have an HSBC bank account, TSB bank account, HSBC bank account and Nationwide FlexDirect account whereby I move money around in them to maximise interest gained. I also have an M&S regular saver and HSBC regular saver. Both I max out each month. I also have a Lifetime…
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Best Bitcoin rates?
Anyone know where the best Bitcoin exchange rates can be had or know of a comparison site similar to the MSE travel money site?Quite a few I've checked require you to log in and have Bitcoin to sell before they tell you the rate. Best I've found so far is LocalBitcoins. EDIT (23/7/2020): Summary of thread - Don’t bother…
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HTB Isa Transfer - Best Interest Rate Available
Although HTB Isas are no longer available for new applicants, I recently discovered that it is possible to transfer an existing HTB Isa to another provider. Problem is I can't find a source that shows the rates of existing HTB Isas to get the best rate for a transfer. Can anyone point me in the right direction? Tx
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Savings on Benefits
Hello all, I am a carer for my mother who lives with me she is 88years old. I finished work to care for her and we are both on means tested benefits My question is I have a savings account and I am aware that I can only save up to £6000 before this would effect my benefits. My mother has a savings account but wants me to…
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Alternative To Holding Cash in SIPP?
The thread title is probably self-explanatory but I'm looking for suggestions (and wondering what others do), should they wish to hold something akin to cash within their pension wrapper, but with an element of inflation proofing or very low risk? The minimum aim being to avoid cash being eroded by inflation. Although not…
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Paragon ISA reduction
Ltd Ed Easy Access Cash ISA 5 from 1.00% to 0.75% wef 30th July 2020
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Investing to Pay Off Mortgage - thoughts?
Afternoon All. Just after some thoughts/feedback/advice. I'm currently 31. Wife is 28. We own our own house - currently £106,500 left on the mortgage, 20years 3months left on the repayment mortgage. Rough Value is £205,000 for the house (Brought for £165,000 in November 2015). Mortgage is due for renewal October 2020 -…
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NS&I want your cash.....
.We want your cash! The Government turns to Britain's army of savers with NS&I now looking to rake in £35bn this year as it ups target by 500% in wake of coronavirus... https://www.dailymail.co.uk/money/saving/article-8529307/NS-aims-35bn-savers-cash-financial-year.html
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Ns&i problems
Having problems with Chaps payment between bank and ns&i. Ns&i bouncing back. Problem above my level as a customer. Any help please
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Junior Stocks & Shares ISAs
I have read a previous thread about this but it didn't answer my particular questions so apologies if this is repeating. I want to invest in a stocks and shares ISA for my 2 children (ages 12 and 13) and have £1k for each of them to start. I'm only able to add about £10 per month to this. I've been onto comparison websites…
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Ford Money Flexible Saver
I’m writing to let you know we will be reducing the rate on your Flexible Saver account effective 14 September 2020 as follows: Current rate New lower rate 1.07% Gross 0.70% Gross
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Wedding fund
For obvious reasons our wedding has now been postponed to next year so we have around 11k sat in a current account but we obviously will need to access it in a years time it would be nice to do something with it that’s not risky or should we just split it into two ISAs 🤷🏼♀️
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New to Investing - Is now the time?
Hi All, I've always been curious about investing and the LISA pension option looked interesting. I've recently stockpiled in Premium Bonds and I have some regular savers on the go but the returns are quite low. I have a work based pension via which I contribute 8% and my company contributes 13%, it stands at £40k and I'm…
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Up down, down up – what’s happening here?
Below is a snapshot of Royal London Short Duration Credit
over the last three months. There are various days when it has moved either up
or down by about 0.5% then reversed the move the next day. Curious. What is
going on?
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Additional fund recommendations?
Currently have a PF consisting of the following and would like to add another fund. Minimum 10 year investment. Appreciate any thoughts.... VLS80 Fundsmith Equity Baillie Gifford Long term global Legal & Genral global tech So some I've looked at are Rathbone global, Blue Whale and BG Pacific Thanks
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See all shares sold within one day
I am an investor who believes in fundamental analysis principles. I like to analyse a company and look at its long term prospects using techniques I learnt about at university. However, I am always intrigued by technical analysis and short term gains. I came across the following…
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How does a stop loss work?
I am an investor who believes in fundamental analysis principles. I like to analyse a company and look at its long term prospects using techniques I learnt about at university. However, I am always intrigued by technical analysis and short term gains. For example, say I placed an order of 1,000 shares for £5 and placed a…
