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PB’s or Offset
Hi there, after a bit of advice please or a sanity check. I currently have a mortgage of just under 170k, I recently received some money (50k) and I’m deliberating wether to stick in premium bonds or just keep in bank savings account offsetting the mortgage...both pretty dull options I guess but is offsetting the most…
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Buying ETFs on Vanguard vs HL
I am new to ETFs and investing. I consider buying EFTs, in particular S&P500, or FTSE100, via Vanguard, or HL, or others. The things I consider is charges (e.g. annual cost, buy/sell cost) imposed by both providers, and dividends received from both EFTs above. Are there other things that I must consider?What are the pros…
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How do I view nsandi 'Pending transactions'?
I want to check a deposit made yesterday by debit card to my Income Bonds a/c and the nsandi website says if the deposit doesn't show to check 'Pending transactions' but I can't see that option anywhere, just 'Transaction history' and buttons for changing details, paying money in and out, paperless documents, print, and…
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Interactive Investor Sipp charges... reduction!
Email today from II. And see https://forums.moneysavingexpert.com/discussion/6184983/ii-fees-removed-for-drawdown#latest Dear investor, At interactive investor, we are working hard to keep improving your investment experience and help you make the most of our simple flat fees. Earlier this year, we introduced free regular…
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Vanguard U.K. Gilt UCITS ETF VGOV
I probably bought Vanguard U.K. Gilt UCITS ETF VGOV at the wrong time, just before COVID hit us in mid-April, this fund nosedived like everything else. My other investments which are predominately Global ETF's has recovered well but not so the GILTS, still looking at a 6% loss. I am wrong in thinking that GILTS should be…
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Can't transfer from my bank to account recommended by MSE
Hi, I opened a fixed rate account recommended by MSE, like I've done for the past four years. This time my bank doesn't recognise the organisation and won't transfer my funds. I even tried sending a small amount and they still wouldn't do it. Does this mean the the fixed rate account is suspect or is my bank being super…
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Income funds going ex-dividend?
A bit of advice please. I have recently bought into an Income fund that is going 'Ex-dividend' (quarterly) at the end of the month. Will i, as a unit holder on the imminent Ex-div date qualify for the full amount of that quarters dividend or just that payable for the time/days leading up to subsequent payment date that i…
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Can I claim a capital loss on a Neil Woodford Fund held in a Fund and Share Account and/or SIPP?
I have held Neil Woodford's Equity Income fund in both a Fund and Share Account and SIPP on the Hargreaves Lansdown investment platform and wondering if the losses made in both my Fund and Share account and/or SIPP can be claimed as a capital loss on my tax return.
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Stock ISA limits
I need to open another Stock ISA (currently I have one), but apparently I can't, so the next year I'll open another one, the question is: can I top up both accounts when I want in the future? Or I can create a new account the next year and top up only in one of them? I didn't find this answer online... Also struggling to…
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£25,000 in Savings or new Double Glazing and £15,000 in Savings?
I and my wife are in our 70's and own our 35 year old house outright.Our combined pension income is about £20,000a year and we have £25,000 in savings. The present windows are wooden framed and double glazed and are getting a bit tatty and will last another year or 2 but could do with getting replaced shortly The question…
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Drip feed over the month instead of single date
Hiya, I want to open S&S ISA with drip feeding into it for 3-4 investments over a month instead of pushing all my money on one single date. I know interactive investor only allows 3rd wednesday of every month to drip feed but not on any other dates. Does somebody know which platform has the ability to allow drip feeding…
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Beginning My Investment Journey
As the title suggests I'm at the beginning of my investment journey and seeking some earnest advice. I'm doing my research and my best to wrap my meagre mind around the language & concepts of investing (A book called How To Own The World has been particularly helpful) From a previous thread I created I've come to…
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Monthly Saver Interest Rate
I opened a monthly saver account with Lloyds Bank last August with a 2% gross/AER fixed rate. I deposited £100 every month by direct debit and an additional £400 over the year for a total of £1600. This account matured on the 24th August 2020 with an interest amount of £15.55. Now I'm somewhat confused, because to me,…
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By middle of 9th decade my wife a nonperson?
We are lucky to have healthy balances and income to invest and save. I was scanning for an account to replace one that had expired, looked good for current conditions. Then i read ID conditions.. Passport EU national identity card. Full UK driving licence. Must be at your current address – please copy both sides. Old style…
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Will Vanguard platform always be this limited?
I've recently looked into doing three things via the Vanguard platform, and failed with all three. 1) Open an investment fund for young relatives, via a bare trust. VG say they don't currently do this. 2) Transfer an ISA and a SIPP to Vanguard via in specie transfer. They only do cash transfers. I've read that transfers…
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26, what more can I be doing?
26, male, with non working partner (24 on maternity but unemployed due to redundancy) I'll try to keep it short and sweet and hopfully people can advise me of what else/ what better I could be doing. Pension I know everyone on here loves a good pension, so ill start with mine which is about 10k at present with 7%…
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DIY Investing
Please note, that I do not recommend this for all, but I am planning on setting up my own small stock portfolio through a low cost platform, no more than say 20 at a time, and comparing long term against a global equity fund such as VWRD. I already top up my pension, and a Lifestrategy fund in my S&S ISA. I want to keep…
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Savings - best place to put 50K
Hi everyone, I have 50K to put into savings. I was looking into putting in a 2 year fixed rate saving - Charters Savings Bank 1.3%.. With the interest rates so low, is it better to put in for 2 years or for only 1 year as they could go up in a year time? Unfortunately I'm still learning about finance, so don't know much…
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Baillie Gifford American B investment fund Up 78% since last year.
A year ago we moved from self managed Vanguard LS60 which was doing ok to an IFA looking at all our finances and he now manages our stocks and shares ISAs and SIPPs. We both have DB pensions which cover our outgoings. We are invested in a low to medium risk model portfolio but on looking online today on the Fidelity…
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Insider trading and company blackout periods
So I'm looking to invest some money into the company I work for but was wondering what effect this has regarding insider trading and more specifically trading during a blackout period?
