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Investment strategy - balancing passives with actives?
So what's the general consensus on 'balancing' portfolios that mix both passives and actives? Obviously that depends the instruments involved but I have gone for the 'higher risk' side of my actives. BG, SMT, etc. I'm roughly weighted as follows. Active 40% Passive 60%. Passives can be risky too, but VWRL + iShares MSCI is…
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Swapping Investment Plan
Bit of advice needed please . Basically , i am wanting to jump ship completely from my Prudential Prufund Investment Risk Managed 3 to Vanguard LS60 . I have already transferred over a Prudential ISA to a VLS60 S & S ISA, ,also drip fed from the PRU into the ISA last year & just done the same for current tax year. This…
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Understanding share price movement
Why have many companies done so well after the crash in March 2020 ? If share prices over the last 5 years were examined , many companies have done better within the last year than the years before the crash, the graph line is significantly steeper within the last year , in some sectors there has been > 100% increase in…
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Alternative for excess cash savings
Hello all, I have somewhat belatedly decided to do something about the amount of cash savings I have in light of extremely poor interest rates being available. (I am aware that rates have been well below inflation for some time). During a recent pension review with my IFA he suggested a PruFund Growth Life Fund for a low…
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Shortest time to invest in shares
I have a vague idea that it's not recommended to buy shares if you're planning to hold them for less than 5 years- does that rule still hold good? My situation is that I have a large-ish lump sum, 75% of which I am going to spend within the next 5 years (on a house renovation and mortgage overpayments). I'll invest the 25%…
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IWEB dealing charge included in order or not?
Is the £5 dealing charge taken out of the order or is an extra £5 needed in the account over and above the order value. eg if i ordered £10000 of a fund would i need £10005 in iweb to take in to account the dealing charge? TIA
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Day trading question, also etoro
Hi all Ive been watching a guy on TikTok doing some day trading, hes moving a lot of money about (supposedly). Hes trading on FTSE 100 stocks, a few people have asked him about stamp duty and he says there is none to pay. After reading up a bit i can see that stamp duty isnt payable on electronic trading, but i think SDRT…
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A quick dividend question
Hi I have some LLoyds shares and see that the next dividend is 0.57p Is that 1/2 p ~ or 57pence ? tia sx
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Another Year and NS&I are still getting it wrong
For years, NS&I have been issuing false account statements. Under pressure they were stopped from describing these as the figures you could directly declare to HMRC, but they are still misleading savers as to the payments reported. So, given that NS&I state that this statement covers 7/4/20 to 7/4/21, where are the…
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House deposit
Hi is there any account where I could put the spare money from my inheritance in that would lock it in so it could only be used for a house deposit abit like the home buyers ISA they used to have. I will have about £28k to put too one side and I am 43 if the age is needed for some accounts like the above ISA Thankyou…
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ISA investment guidance
hi all, i have around 10k in my Freetrade isa and need some guidance on the investment. Currently markets are all high and not sure if it would be wise to invest all in one go. Also, any suggestion on the funds/etf/ stocks to invest in. Timeframe 10plus years
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No-brainer to renew NS&I index-linked certs?
Mine will roll over for another 5 years at RPI plus effectively zero interest. I cant see any downside to this, i wont need the money in a hurry*, at RPI I'm likely getting 1.5% "interest" compared to 0.5% anywhere else and its tax free. Don't even have to do anything to have them roll over.Don't think I've missed anything…
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Choosing a vanguard lifestrategy plan
At 48 just finally got round to sorting my savings which are sat in a basic savings account. I have set a side some for and emergency and rainy day fund and intend to top up my small work pension with a little so I have a slightly bigger portion to invest in a vanguard lifestrategy fund that I will be keeping locked in for…
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Premium bonds and negative interest rates
If interest rates go negative are Premium Bonds really a safe haven? Would the prize fund be reduced zero? Even worse would I have to pay ERNIE if I won. Imagine if the top prize was -£1,000,000
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GSK Share Price
GSK has been one of the worst performers in the FTSE100 but the share price has risen sharply today. What’s happened?
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2nd S&S ISA, Fidelity and SMT
Hi I have one S&S ISA with Vanguard opened tax year 20/21 with £20k invested. I want to invest another £20k during 21/22 and need to decide whether to put this into Vanguard or open a second S&S ISA elsewhere to open up my investment options. I've been looking at Fidelity and the Scottish Mortgage Investment Trust (SMT.) I…
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Self Assessment - BtL Mortgage Interest
I am trying to complete my self assessment and can't find where to enter the mortgage interest in the Property Section. There is a section for Residential property finance costs not included in 'Loan interest and other financial costs' but I can't find the section for Loan Interest and other financial costs on the form -…
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Will Russia be next?
Maybe now is a good time to buy shares in Russian companies, or companies that are very active there. Above all, businesses that sell weapons to the Russian military seem to be on to a good thing judging by the recent display on the border with Ukraine. Any funds or companies that you can suggest? Investing in the Russian…
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best ISA investments
My cash ISA matures this month and I am wondering what to do next: 1) transfer to the best
cash ISA bank account (1-2 yr fixed with 0.6% interest) 2) invest into ISA shares with a financial platform (transfer & handling charges for my 80K cash ISA would be £3500 - is this a reasonable cost?) Thnx desa
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Sports club savings
Can anyone give me an idea where I can put some sports club funds to gain some interest please. Our bank gives no interest and I can't see that the club qualifies for business rates anywhere. Thank you.
