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Moving Direct Debits - leaving Santander
Probably a month later than I should have done, but I’m
looking at moving my money from my Santander 123 accounts (mine, my wife and
our joint account). I was going to move
to NS&I Income Bonds or Direct Saver – not decided yet. I have to move out the 2 direct debits per
account that I needed to access the interest rates.…
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Trading platforms - suitable for long term investing?
I've got some money in a trading platform. I haven't committed to a long term position yet, but I will in the next pullback. Is a trading platform a reasonable vehicle for holding a stock or fund long-term? I would be holding for at least a year, maybe three.I prefer traditional investment companies, and have some long…
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Problems registering with NS&I
Just wondered if anybody else is having problems registering with NS&I online. I am trying to open one of their Income Bonds but try as I might I cannot get a response either by filling in their form, live chat or, heaven forbid, telephone. Have been trying for a couple of days without success and on the brink of giving…
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Help to Save Accounts
My account passed the bonus point on 1 August and the third year of subscriptions has just started. The account says bonus of £600 will be paid on 1 August 2020 (and the next on 1 August 2022) and will be direct to the registered bank account. Has anyone received their bonus for an earlier month, and if so, when did you…
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morning star GBP bond categories
Hi, does anyone know what the differences are betwenn all the morning star GBP bond categories: i.e. GBP Corporate Bond GBP Diversified Bond GBP Diversified Bond - Short Term GBP Flexible Bond GBP Government Bond GBP High Yield Bond GBP Inflation linked Bond Thanks,
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Setting up NS&I as a payee on halifax current acct.
I've opened an Income Bonds account with NS&I but when I try to set it up as a payee on my halifax current account I get an alert saying the account can't be recognised. I'm told I can proceed if I wish but I'd like some re-assurance before doing so. The NS&I chat service is currently not available. I've tried entering…
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How to import stock and fund prices in excel
Doesn any one know how to import shares and funds data in excel (either automatically or via manual refresh? I am maintaining an excel and wanted to know the latest prices and hence valuation of invesetments.Tried searching online and found a clunky way to scrape FT.com website, but that doesn't look…
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Voyager Alliance - New Account
So at work we have a partnership with Voyager Alliance Credit Union, A rep has been in to try and sign people up and I was just doing some research on them before joining up. So I have £2000 for a savings account, the idea was to make use of the fact that they take an amount from your wage and put it straight into your…
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FCA new rules on Property: six month delay to withdraw
https://www.morningstar.co.uk/uk/news/204487/fca-lays-out-new-rules-for-property-funds.aspx What do people think? I am happy to wait for a property fund to ungate, I did it in 2016, so gating wasn't a huge surprise when coronavirus hit. But to add another six months delay on top is unacceptable. I fear it'll kill the…
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Dividend paying stocks > than Accumulators?
Just been watching a guy on Twitter explain that he has recently bought shares in a company called ET (I think it's Energy Transfer LP). 1 share is $6.70. He bought 591 shares for $3,968.52. Each share pays an annual dividend of £1.22. So each year, he will receive $721.02. $721.02 is a great annual income from a $3968.52…
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36 year old. 1 child- 215k hoome loan- Investement and ISA advice
Hi All, I am 35 year old with 1 child and 215k mortgage 2 years at 1.8% .. l have 40k in savings .. (in a bank account ) :( 18k in pension .. NEST LISA started this year.. will max out.. No ISA yet.. No child junior isa or anything - age 5 years.. Need advice in what to do of the savings and investment planning mortgage…
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Premium Bonds - Odds getting better for High Value Prices?
According to an article from the DailyMail today: * £81 billions in premium bonds in Aug 2019 * £92 billions in Aug 2020 So that's a 13% increase in funds invested. However: * £50,000 prizes have increased by 30% in numbers during the same period * £25,000 prizes have increased by 21% * £10,000 prizes have increased by 22%…
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Gold (for diversification and balance)
Hello hello. The large bulk of my fund investments are in a VLS 60. I'm looking to further diversify by a very small percent of my portfolio into gold. This is because, out side of bonds, gold seems to have the best long term inverse relationship to international equities. * Do you people have any favourite (index) gold…
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How CGT allowance works for basic rate tax payer?
I want to check if my understanding is correct. Annul salary income is 40,000 pre-tax, personal allowance 12,500, other tax reliefs - does pension contribution count as tax relief? If so let's say 4,000 contributed from me Got a figure of 40,000 - 12,500 - 4,000 = 23,500 My capital gain is 25,000 this year from selling…
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At last - someone has put up their interest rates - QIB UK via Raisin 1yr and 2 yr rates
They are sharia-compliant accounts, so it's expect profit rate, strictly speaking - but those had been decreasing in such accounts as well as standard interest-bearing accounts. They've put the 1 year expected rate up to 1.2%, and the 2 year up to 1.4%. A sign the bottom of the interest rate market has finally been found?…
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Are NS&I Income Bonds better than the "highest interest" easy access savings accounts?
I'm considering NS&I Income Bonds. Just wondering if you think it's better than the "highest interest" easy access savings accounts at the moment? I put that in quotation marks as I realise interest rates are awful currently.
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HTB/LISA Advice
I have a HTB ISA which is nearing the 12k bonus cap. I also have another cash ISA but can't put anything into it as I add 200 to the HTB each month and its a cash ISA. I am wondering if it is worth getting a LISA transferring to it. I have no plan to buy a home in the next year or so. It would allow me to have my LISA and…
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quick access account for large sum during house move?
Hi everyone, We are about to move and will be moving in with relatives until we find a suitable property. I'm very wary of where best place the funds from our house sale during the interim. I believe National Savings have protection by HM Treasury above the standard 85k found elsewhere, but would be interested to know of…
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Discretionary Trust
I am planning to set up a discretionary trust for my children. As the settlor I understand I can be one trustee (for the remainder of my lifetime) and I will need to appoint a second trustee. I would like to appoint a professional to do this, but imagine many lawyers/ accountants charge high fees. Are there any low cost…
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