-
Suggest a good savings account?
I'm searching everywhere online to try and find a suitable savings account, to help save for a deposit on a mortgage in around 6 years time that ticks all of the following boxes: • Setup and manage the account online • Very restricted or no access to the funds. • Allows me to accumulatively save long term, up to 5 years…
-
Ray Dalio's all weather portfolio
Ray Dalio invented this portfolio called the all weather portfolio. It basically spreads risk via asset allocation by choosing asset classes which negatively correlate with each other. Seen a couple of interviews with him and he seems very gifted and like he genuinely cares about people. What do folk on here think Ray's…
-
Children's savings and Friendly Society tax-exempt plans
Hello. I'm new to this forum. In need of some advice/opinions here. I have a baby, 6 months old tomorrow, and looking into best savings options for her as hubby and I would like to give her the best financial start in life we possibly can. We're fairly risk averse. So far we've opened a kids cash ISA with Coventry which…
-
Children's savings and Friendly Society tax-exempt plans
Hello. I'm new to this forum. In need of some advice/opinions here. I have a baby, 6 months old tomorrow, and looking into best savings options for her as hubby and I would like to give her the best financial start in life we possibly can. We're fairly risk averse. So far we've opened a kids cash ISA with Coventry which…
-
NS&I investment
If I have Premium Bonds and want to open a Savings Investment account with NS&I as well, am I restricted to the £85,000 FSCS on both accounts? Or as NS&I are government backed am I protected on each account? i.e. Are NS&I Premium Bonds and Savings Accounts linked? Basically I have money in PB, and the NS&I seem to be…
-
Contacting Hargreaves Lansdown
I initiated an ISA transfer away from HL back in May. My new broker (iWeb) text me every 2 weeks to say they have had no response from HL, and are suggesting I give them a nudge. However I can find no contact details on their website. The contact us page says 'If these don’t answer your query and you would like to speak…
-
Gatehouse Bank - Expected Profits
I have some money invested (via Raisin) in a one year fixed rate savings account with Gatehouse Bank that is due to mature in November. Does anyone know if the Covid-19 crisis has had an impact on their “expected profit” which, unlike interest rates, is not guaranteed?
-
One off investment
Hi. I have £3000 to save or invest. I already have a stocks and shares isa that I pay into monthly. Wondering if I should just add this money to the isa or try another product? I dont need access to this cash so happy to 'lock it away' for a number of years. Any advice greatly appreciated
-
Millwall Holdings shares
Hi just looking for answers on millwall holdings shares i have had since 1999 not sure if they are worth anything or not as been unable to contact any of the listed companies dealing with the shares. I have 50000 shares can anybody point me in the right direction please.
-
Premium Bonds
My daughter has some Premium Bonds.. They have been linked to mine but now she is 16 they have disappeared and she needs to register her account. Online registration failed so I phoned. The operator told me we needed a "witnessed signature". It is quite difficult for us because we are both shielding.I pointed this out and…
-
Changing country and investments in UK
Hi, if I switch country, I mean living there for at least 180 days per year, how will it go with my Vanguard account? I think this is not up to Vanguard, but up to the OCSE regulations, seen that you have a ROI from your investments, that can be negative or positive. For my knowledge, they would just close my account and I…
-
Savings options - Am I missing something?
Hi All, Long term lurker on this board but now with a question of my own. Have been giving some thought to our savings arrangements and have now stared at it for so long I'm possibly blind to the alternatives. Would appreciate people's views on whether I'm over egging any particular approach, or missing something entirely.…
-
Stolen Inheritance
My grandmother passed away recently and we were surprised to find she had changed her will just before she died cutting my Aunty and her family out of it completely and applied to have my dad (her only other child) as her Power of Attorney. Nan was very well off but she left nothing. It transpired my Aunty was originally…
-
Unused bank accounts
My father has/had a Abbey National bank account. His pension goes into this account each month. It is possible that no payments/direct debits/standing orders have been made from this account in >15 years. I am currently in the process of applying for a deputyship for my father, he lives in a nursing home due to long term…
-
£10k to move... somewhere
Currently have £10k in a Santander "Everyday Saver" which pays 0.01 AER. I was originally looking at an ISA to move this to but saw that the NS&I Income Bonds could be a better bet in terms of return? Saw also somewhere that the interest on the NS&I Income Bonds is not factored into the rate so a good idea to move the…
-
Lifetime ISA with older parents
I've recently started looking into my savings now I've been managing to put away some money each month for over a year, and was considering opening a lifetime ISA to potentially save for a house in the future. At the moment I have around 2.5k in savings, and save between £100-200 each month. I wouldn't put everything in…
-
Wealth Manager costs
Very fortunate to have come into a substantial (for me) amount of money via an inheritance. Had a discussion with a couple of "Wealth Managers" where the cost averages out at 2.6% per year (including fund costs). Within that I get all required advice around pension planning as well as investment planning and fund…
-
Shares halved in value - keep buying?
Hi everyone, Just looking for some general, non-specific information on what is ‘common practice’ in circumstances like mine... I have a S&S ISA, and am happy to take high risk as I am young and don’t need to funds for at least 5 years. I have about 15 different investments in it, including Lloyds and SSP. I bought…
-
Pension withdrawal
hi hi need some advise I turning 55 next month so I was looking at taking my 25% cash lump some to pay off my debits this would leave me with £77k left in the pot plus I have started a new job that I pay into a company pension what do I do with what’s left? would it worth drawing it all out with my tax free lump sum of 25%…
-
NS&I Client Review
Hi,I'm thinking to open a saving account with NS&I (being them among the ones with higher interests on savings that MSE suggests), either a Income Bonds or Direct Saver.I would open the account funding it with 10K to start with and then keep adding monthly saving from now on.Both of the accounts named above would fit my…
