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Skipton BS Online Existing Member Regular Saver 3.50%
Just had an email from them and opened online this afternoon. · Open with just £1 and
save up to £250 per month for 12 months · There’s no minimum
monthly deposit · You can’t withdraw
money during the 12-month term · Interest is paid
annually · As an example, if you
saved £250 a month for 12 months, you could have £3,056…
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multi asset funds more on the adventurous side?
hi, i am just wondering if there is any multi asset funds more on the adventurous side - but still with reasonable charges. i know the 40 - 85% sector is the riskier option for multi asset, but is there any that maybe has higher equity, and slightly larger allocation to small caps. thanks.
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What to do with £15k
Hi All - more looking for suggestions rather than advice with this. Had about £30k in cash pre-pandemic and invested half around March last year as I was convinced that we had not seen the bottom. That went into Lifestrategy 80. The fund has since rebounded and then some. The remaining £15k continues to do nothing for me.…
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Ethical Investments
I want to try to use an Ethical Investment Portfolio for a sum of £350k Of particular interest is investments in ethical energy productionBut I'd also like to meet the requirements of ESGI am keen to avoid Greenwashing I have been advised by IFAs that the costs will be higher than those for traditional portfolios A figure…
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Will Others Follow Skipton's 3.5% RS
Well that was a bolt out of the blue! 3.50% for a regular saver at a decent £250 per month for 12 months. I know that building societies and banks have specific short term cash requirements, but might others soon be offering increased rates?
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U.K. index linked pay
How would I calculate the new rate if it was £20 per hour in January 2016?
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Holding both Marlborough UK Micro-Cap and Nano-Cap
Hello, In your opinion, is it worth holding both Marlborough UK Micro-Cap & Nano-Cap Growth funds with an even split between them both to spread risk. Does holding both of these funds, offer meaningful diversification or would I be duplicating? Thank you
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Does my Scottish Widows DC workplace pension have too much gilts/bonds?
I'm in my late 40's, not planning to retire until about 60, more details below. I have a Scottish Widows workplace pension which is currently the destination of most of my investment for retirement. It's currently in what I believe they call a "lifestyling" setup, which means it will automatically reduce the proportion of…
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Has your Chip account unexpectedly changed to ChipX?
I checked for the expected £1.50 charge of mine and my wife's Chip+1 accounts today to find that we've both been charged £3. On investigation it seems that we've both been changed to the ChipX account despite neither of us intentionally doing so. Has this happened to anyone else?
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Fund or shares tracking Halifax UK Property index or similar
I'm looking for something that tracks UK house prices. I found Castle Trust House, but that's really inflexible eg 2 or 5 year term. I'd like something that is more of a regular/monthly investment that can be sold/cashed in whenever. Does this exist?
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Advice in saving or Investing
Hi all. Need some advice on best way to get a good return on my money. Savings seem to be very low interest still. Not sure what's best. Thanks.
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Transferring Bare Trusts to a different provider/platform
I currently have two junior investment accounts set up as Bare Trusts for two of our grandchildren with HL. However, I would like to transfer them to AJ Bell, which is where my S&S ISA is based together with two further Bare Trusts for two other grandchildren. Motivation is both the lower costs and the organisational…
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Investec High 5. Is Closed. 12 July 2021
What's going on with this account ? Just noticed my interest rate is 0% and on the REAR of the statement is says "a reminder account is closing on 12 July" They didn't send me a letter of anything? https://www.investec.com/en_gb/savings-accounts/legacy-savings-accounts.html
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Tandem Easy Access Saving account
Has anyone used it? Any experiences? Website looks a bit mysterious. There are interests 0.65% and a limit up to £250,000 . Does it mean assuming you pay in £20000 you get £130 annually?
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Investment - Accumulation vs Income
Hoping for some advice please! My wife and I have inherited
some cash, and are trying to decide how best to invest/save it. We will put
£20k each into a shares ISA to use this years ISA allowance, and keep about
£40k as cash reserve (0.65% account) leaving about £130k to invest. I am retiring at the end of August, and will…
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FT Advisor podcast on VLS range
At the end of last week FT Advisor posted a well considered podcast on the VLS range exploring how advisors have been using them and warning how the high US tech and long dated bond allocation that has so worked well in recent years are increasingly not what is being found in risk managed model portfolios. Will the VLS…
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Fidelity/iWeb ISA UK Government Bonds
Hi folks. I was wondering if any of you who has Fidelity or/and iWeb S&S ISA account can confirm if you can buy individual GILTS? I do have an iWeb account but cannot find anywhere on the site to buy GILTS. I know Hargreaves has the option to buy individual bonds, but on Fidelity website I cannot find that option( I don't…
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Matured Junior Cash ISA with Tesco Bank
My son turned 18 and he can finally have access to his money. (It started as a CTF, back in 2003, and has moved to a Junior Cash ISA with Coventry, then NS&I and finally Tesco Bank.) He phoned up to ask that it be transferred to their best Savings account, but they will not do anything without him proving his identity, via…
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Capital gains tax (and all that jazz)
I have a lump sum coming my way in 3 months time and am trying to understand if there is any real benefit in puting it in a Vanguard ISA, or just add it to my existing (non ISA) fund. Part of the problem is I don't fully understand how CGT works. If I have £120k in a non ISA account and it increases in value by 10% in the…
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Using LifeStrategy 20 as a Bond Fund
As someone who's unsure of what bond fund(s) to invest in as part of a retirement portfolio, would simply choosing the Vanguard LifeStrategy 20 be a good move? This is obviously 80% bond funds of different durations, grades etc. It's trusting in Vanguard to pick the right mix. I currently have around 90% of my pension SIPP…
