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Savings & investments

Archives for November 2020

Pay off mortgage or invest in a BTL?
Hi I am looking for some advice on what to do with our current savings. We currently have 25k sat in an ISA doing nothing. We’re either planning on paying 10% of the mortgage off before the end of this year. Or Put the money towards a second property and start a BTL portfolio (Something we’ve always wanted to do) Just a…
L&G Global Tech & SMT
Hi all, Currently have L&G Global Tech Index as a satellite fund. Have been waiting until I get in the + with this as I had the idea of selling half and putting this into SMT (don't want to put additional £ into tech-focused funds). SMT's performance as a tech fund has been a lot better that L&G (due to Tesla I guess), and…
AJ Bell raising cap on shares custody charge
https://www.youinvest.co.uk/isa/charges-and-rates Currently a maximum of £7.50 per quarter (£30 per year)From 1st January will be maxiumum of £3.50 per month (£42 per year, 40% increase)
IAG
Dear all, Just wondered what members' thoughts were on IAG. Currently on the slide. Just wondered what members make of this. Thanks
SJP and finding a better alternative
Hi there, I have read quite a long thread on SJP and it seems to align with a few alarm bells in my head! I inherited some stocks and shares unit trusts around 10 years ago from late father. They are in SJP and still are. The advisor has quite rightly pointed out that the only ISA I have is sitting in a bank account a…
UK mid- / small-cap
Dear all, Was looking to add some UK mid-/small- cap to my portfolio. I know they’re not the same funds and directly comparable , but I’ve narrowed it down to the following two, due to their market cap styles: ASI UK Mid-Cap Equity Fund I Acc Vanguard FTSE 250 UCITS ETF | VMID The performance of the first of these has been…
Interactive Investor
Hi. I am thinking of opening an account with II - does anybody know if I can invest in individual stocks and shares, in particular Baille Gifford Scottish Mortgage, using this platform? Thanks.
Retirement savings vs deposit on a home
Hi there, (TLDR - Should I invest my South African retirement annuity into UK investments or as a deposit on a house?) I am 45 years old, married with 2 kids and 42 year old wife. We've just emigrated from South Africa to the UK. We've managed to find a great home which we love in a small village and kids are happy &…
Shares - help!
Not after professional guidance, more of a wider opinion. For the last few years I have been purchasing shares in the company I work for (travel industry) under a corporate scheme. I'm leaving the company for pastures new in the coming months and basically I have been given 2 choices - sell my shares, or transfer to a…
Dividend Options - iWeb Platform
I have recently opened an S&S ISA account with iWeb Quote Please select how you would like dividends to be handled on each of your accounts. 'Automatic Dividend Reinvestment' will enable dividends from UK and Irish CREST eligible stocks to be automatically reinvested into the source stock. Any remaining cash will be paid…
Premium bonds transfer date.
I'm waiting on a bank transfer to load up my premium bond account but it doesn't land until tomorrow. If I transfer the funds tomorrow (the 1st). into my premium bonds account will it be too late for the December monthly draw, it's a large amount so don't really want it sitting there for a month doing nothing. Thanks
I'm having a panic My Inheritance and Benefits
Sadly we lost both my Aunt and my Nan in the last year. Amazingly I was given £3000 from my nan, which is sitting in my savings account and i have just had work that my Aunts estate is ready to be distributed and it could be around £10,000 (although I dont have a final figure). My panic is that I get Working Tax Credits…
SCHRODER UK PUBLIC PRIVATE TRUST PLC
I would welcome views please on the above IT. I have a small,( thankfully) holding in this IT and thus I am carrying a loss on it. What are the views on holding in the hope of mid/long term recovery or selling and taking the loss? Thanks for any/all replies
Active saving HL
Hi I have active savings account with HL they have cashback offer at moment. Can I open another account with different email but obviously the same address. ? Anyone tried this Thanks
Dividend payout?
Hi I own shares in Tesco and have previously had dividends paid out in the past. According to Hargreaves Lansdown the payment date was 27/11/2020 for the next dividends and underneath that it states for UK stocks the dividend will appear on the account the same day as the payment date. It's now the 30th and still haven't…
London & General to ReAssure?
Hi everyone, hope you're all feeling good. I recently had notice that London & General were going to transfer my investment With Profits Growth Bond to ReAssure Limited and was given activation codes to enter onto their website, in the meantime all trace of investment bonds have gone from London & Generals site which has…
Analogue to Digital
Please forgive the title I couldn't think of a better term. I have an elderly relative who has all her share certificates in a muddle. She has no interest in looking at her finances and is essentially burying her head in the sand. I have tried to explain that it would make more sense to have shares held within a digital…
Vanguard index funds strategy
Hello all, I am a new investor – learning the ropes and trying to soak up as much information from people more experienced than myself. I currently have a Vanguard LifeStrategy 60 fund. I opened it in April 2020 and don’t plan to touch it for 10 plus years. I am currently putting in £100 plus any additional I have into…
Best savings account for sale proceeds of home
My brother has sold his house and wants to know where to put the £750k sale proceeds for a few months while he rents and then looks to buy again. He is looking for easy access and prepared to open an account online. Are providers like Aldermore and UBL safe? As it's his only house if the bank went bust would he get his…
Saga dividend help - 2019-20 tax year
Hi, can someone please advise me. I have mislaid my paperwork. I need to know what the actual payments were for 1100 shares.I have looked up the info for the said period.and the figures are given as 17.66 and 13.66 for the two payouts in that tax year. Obviously that can be the pay out per share.So can someone else with…

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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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