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HelP to save scheme
Does any one know if the self employed grant counts towards the minimum earning level to be eligible for the above scheme ?
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My portfolio below, how would you adjust it so that it has the chance to grow to £400K in 5/6 years,
So the ISA portfolio currently looks like this and is valued at £316285 as of yesterday, want to grow to £400K+ in 5 or 6 years-40K max new cash going in? CTY- 20% HFEL: 18% Fundsmith Eq: 11% JPGI: 18% JCGI: 4% Blue whale: 8% MRC: 3.5% MNKS: 3.5% SMT: 4% SSON: 7% More in China? More in Fundsmith/SSON? We have security in…
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Savings protection 85k
Asking on behalf of my father, he has a savings account with clydesdale bank with substantially more than the 85k protection limit. Am i right in thinking if he was too deposit 85k into say TSB account he would be protected on both the accounts at the same time?? Thanx
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UBL bank
Martin’s savings site recommends UBL bank for Fixed Term Savings. Is anyone else having trouble with them or is it only me?
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Expired Cheque
I closed my saving account from principality building society, and asked for a cheque, I totally forgot to deposit into my current account, now the cheque has expired (issue April 2020), it is a small amount of £3 Will they reissue the cheque for free? If they request a fee, what right have I got to get my money back?
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Will my children's inheritance details be shared with me?
My young children's Dad sadly passed away. I'm aware that he has left something for his kids and this will be in trust for them until they are adults. I wondered whether this information would be shared with me as their guardian but I can't seem to find an answer online. I have asked the solicitor dealing with his estate…
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Tandem offering 0.60% on 1 yr fixed but 1.05% on MSE
I have a 1 yr fixed saver with Tandem due to mature and they've emailed saying I can reinvest for another year at 0.60%. However on looking on MSE I see Tandem are offering 1.05% for a 1 yr fixed. Why haven't they offered me the better rate?
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Best ideas for investment
I have £20000 to invest, I have already taken up my yearly allowance with stocks and shares isa, and don’t want to tie this up for too long, so I was looking for probably a one year fixed account, the best one I can see is with the union bank of India or tandem with a 1.05 interest rate, unless you guys have any more ideas?
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What to do spend spend or buy gold
In view of the Government printing money due to a massive future debt crisis, thus the value of the pound tanking over the next few years. Is it better for a retired person of 71 to spend what savings one has ( equity release too) or buy gold as a hedge, although one would be taxed on profit on that. Maybe max out on…
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Financial plan sense-check and savings advice
I am remortgaging my flat using the Let to Buy scheme: which will get me a buy to let on the current flat (covered, just, by the rent), and the ability to release 100k equity, to buy a flat to live in next year. I am not 100% sure I want to buy, but with interest rates so low I am fixing into a 5 year fixed term buy to let…
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ISA or GIA
Hi there , I just wanted to ask people’s opinion on whether you would suggest an ISA or GIA for investing into funds or stock markets . Clearly ISA accounts have tax benefits CGT etc over GIA ,but would people still recommend setting up an ISA , if I was looking leave investments in there for a few years. The answer will…
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US election & stock markets
Whatever happened to the old adage that markets don't like uncertainty? Why have they had large gains worldwide since election day?
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How do you close NS&I income bond account?
I can't find the option? Still have 500 in there.... update: I've closed it now, thanks guys
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Stock splits and morningstar portfolios
JMG.L has had a 10 for 1 stock split this morning. JPM announced it a few weeks a weeks ago but it had slipped my mind, so I got quite a shock when I looked at my morningstar portfolio this morning! Does anyone have experience of stock splits on a morningstar portfolio that can tell me whether it will eventually update…
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IFA charge - is this one usual?
We all hate charges, but you have to pay for stuff. I understand. My IFA charges 1% on new investments and .75% p.a. Ongoing. I think this is pretty generous. Now they are calling the 1% an ‘Advisory Charge’ and levying it on fund changes and rebalances as well as new investments. What this means is that the funds they…
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Regular savings account
So I currently have one with HSBC and I have a bank account with them if I set a current account up with marks and Spencer’s can I also have a regular savings account with them
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Regular savings account
Can you have more than one regular savings account
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Financial health check/checkpoint
HiHope it's ok to ask this sort of question here, I'm happy to do some research, but also good to get some other opinions about where I'm at and of I'm doing anything obviously wrong or missing something fundamental? Personal situationI'm 50 years oldI have a 48yr old wife, ex-teacher who is now stay at home "home maker"…
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How does OCF charge?
I bought a fund a couple of months ago, but need to change fund now. Let's say the OCF is 0.20%. How much will I be charged for the fund? I know the platform fee... thanks!
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Child Savings
Hey, When it comes to savings, ISAs etc I don’t really have much of a clue. I’ve never had the ability to save and me personally I’m in debt but with StepChange under a DMP to get my life on track. So please be a little understanding if you can. I’m just after some help/advice. Me and my partner have a 10 month old…
