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Best investment options after emergency fund with no plans for property
Hi all, So after a relatively lengthy period in my teens and twenties of being terrible with money, I’m now mid-thirties and have reached a point where I’m entirely debt free (one credit card used for petrol and paid off each month). I have a £26k emergency fund which is currently in a Santander savings account (almost…
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Very short term savings
I'm remortgaging to release some equity for a loft conversion. I'll have about £45k for about 6 months until the work is completed. What's the best way to keep hold of this? I don't really want it sat in my normal current account.
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House sale money
I have £600k from the recent sale of my house and I want to take some time (about 1 year) deciding what to buy and where. Can anyone advise the best options for what to do with this money during this time? Many thanks
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Iweb to II
Hey guys, I'm considering moving my ISA from iweb to II (to an account I have open there already with this year's ISA allowance in it). 1. Does anyone have any first hand experience of this? And how long it takes? 2. Would it be a bad idea to initiate it whilst I'm on holiday?! - ie is it totally hands off like a cash isa…
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Pull out or not?
Hi! My grandfather has some investment in a private hospital. It's been about 3 years now or more and he hasn't received a correct dividend (?) some 1 or 2 years ago. He'd like to pull out because they aren't giving him what he was told to receive but the freebies that come with it will also be lost (like the checkups and…
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Global government bond fund?
Anyone know of a fund or ETF that is all the following? 1. Low cost index/passive not active 2. Global government bonds not just gilts or US Ts (at least 90% government bonds, i.e. not a high allocation of corporate bonds). 3. Hedged to GBP 4. Medium Effective Duration (approx. 7 years) 5. Accumulation not…
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I have absolutely HAD IT with Santander!
I am a Santander customer who already has my own issues with the bank... But that’s for another thread. My grandfather has been unwell for quite some time now and is now under hospice care (not from home, he is in an actual hospice) and looking to get his affairs in order, he is completely deaf and has no mobility…
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can i loan my child money
last year i came into some money and decided to put some of it, £3000 into my childs HSBC account because it was paying 2.5% interest, my daughter has just tried to move the money back to me and the bank have frozen her account, and wont tell us why. am i allowed to loan money to my child, or do i have to say its a gift,…
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Is it ever worth playing the lottery
I never play the lottery. I'm an economist by profession, so see it as a voluntary form of taxation. However, the most recent Euromillions looks different: Some rough calculations on the probabilities and the number of people who won the 'match 2 numbers' prize in Friday's EuroMillions, indicates that there were about 42…
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Best place to just hold shares
I recently opened a thread here looking for more information on the interactive investor for my father, and people kindly were also suggesting places I could transfer his shares too that would be more suitable as he is not planning on doing any trading only holding onto the shares right now. Many places and information…
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yorkshire building society general rate increase
just now noticed that most of my legacy yorkshire building society accounts were increased by 0.2% on june 2nd. jolly nice of them to be sure, but i sure wish they had told me about it! -- or did i just miss the memo? just curious, but did anyone receive notification of this?
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What approach to take if I believe...
I hope this is not a stupid question. All my investments are in BTL property and Vanguard stock market index funds (ISA and pension). I don't actively manage it or anything, just put in money every month. Based on what I see in the sector that I do business in, I believe (I might be wrong!) that we have already entered a…
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Am I spending too much, or just about right?
Hello, I am single earner in a family of 4.... adults are in 32-36 age group and both kids under 6 years age. 55% of our after tax salary goes in: 45% of after tax salary remains for: Do you think this is about right for the age group, or too much spend or too little spend? Our mortgage is relatively low as we are in a…
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NATIONWIDE BUILDING SOCIETY-MEMBERS FIXES RATE ISA ISSUES.
I know I am not the only person who is having this issue, but having scoured the MSE forum I cannot seem to find anyone asking this question. At the end of March I had an ISA maturing with Shawbrook Bank, saw that NWBS had, what was at that time, was a really good rate on a Members fixed rate ISA at 0.75% interest for 18…
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Cheapest investment company to invest in hsbc global strategy fund?
Thinking of investing in the hsbc global strategy dynamic or adventurous but does anyone know the cheapest investment platform which I can invest in this fund please?
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This Guardian article commits the sin it calls out in the first sentence
Here is a funny Guardian article about James Anderson of Baillie Gifford and his criticism of earnings reports and macro-economics BS. I share his skepticism for financial headlines, but I'm also skeptical of almost everything else he says. The funny thing is that after reporting Anderson's distain for "earnings reports"…
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Saving's grand children option's
I have 2 little grand children and would like to put £1000 away for each of them. I would like it to be safe and secure and be able to add to the pot on birthdays etc. What are my options other than opening a bank account for them. any suggestions welcome
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Bonds in a pension portfolio
I understand that bonds are out of favour these days. So, if you already hold bonds in your portfolio should you be getting rid of them?
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Chip - Earn 1.25%
Martin, I took a keen interest in the Chip - 1.25% savings, which to be honest is very vague and in an attempt to any would-be triers, before you can apply for the VIp 1.25% savings, you have to invite others, and these are the people who will unblock you if they succeed. So Martin, I reckon you should take Chip off the…
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Vanguard investment outside ISA
I used my annual ISA allowance and wondering what’s my tax obligation on additional investment, if I open a regular Vanguard account? I though that when dealing with stocks/funds you only pay capital gain tax if you sell them. You also only need to report it if you are over an annual allowance. On Vanguard website it says…
