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Asset Allocations by Country and Asset Type
An interesting visulisation showing how assets are allocated by country, based on Goldman Sachs data. https://www.visualcapitalist.com/how-investors-allocate-their-investments-by-country/ CountryU.S. EquitiesDomestic EquitiesRest of World Equities (ex U.S.)🇺🇸 U.S.78%N/A22%🇳🇴 Norway48%12%40%🇨🇦 Canada45%49%6%🇩🇰…
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Where to buy physical Gold/Silver Bullion at Market price?
Hi, Looking to buy from a reputable place/website, preferably at market price or cheapest prices not asking price and do I have to pay VAT? Discount available for bulk purchases? Also which website abroad is reputable if abroad is cheaper and what taxes am I liable for importing? Basically looking to buy at the cheapest…
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Dividend payout options
My Mum’s ISA is currently with HL and am considering alternatives after the recent fee changes. It’s fully invested in listed securities (shares, ETFs and ITs) and she enjoys the dividends from those which are automatically paid to her bank account. I wanted to check people’s experience with II and Scottish Widows around…
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Advice regarding tax on savings interest
Hi all, I’m looking for some advice regarding tax on savings interest. I’m retired and my only income is from a company pension, which is taxed at source. My pension income exceeds the personal allowance of £12,570 and also the £17570 personal savngs allowance , so I understand as a 20% tax payer that savings interest…
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Saga Savings problem
Hi, My mother had an account with Saga Savings which she couldn't access for the last three years of her life as she had Alzheimers and they won't accept our power of attorney. She passed away three months ago and they still won't release the funds to us. Every time we talk to them there's another excuse and another delay.…
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Joint Instant Access Savings
I require a joint instant access savings account that is managed via an app, preferably without an annual bonus. It is important that a withdrawal appears in the linked bank account almost immediately. Any suggestions?
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CGT - Bed & Breakfast Rules
Hi - In tax year 25/26 I undertook a manual Bed and ISA transaction in order to crystalise a gain on an OEIC position below the 3k CGT threshold. Stupidly, a few days later I bought some further units of the same position in the same non-ISA account which I realise triggers the bed and breakfast 30 day rule, resetting the…
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MBNA problem
On a MSE reccomendation, I made a 5 figure investment with a MBNA fixed rate 1 year savings account which matures next month. I have received a maturity options email from MBNA with link to their website to state my choices. The link doesn't work and says there is problem. I phoned MBNA and the very pleasant girl says…
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Is this a scam ?
Hi all. Ive just received 2 texts in quick succession from M&S Bank giving me 2 different 6 digit security codes. However I don't have any bank or credit card accounts with M&S. Should I be concerned ? I tried to ring them but because I don't have any account number I just keep going round in circles.... TIA
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Investment Bonds
I have been left some investment bonds in a will. Managed through St James They have to be split 10 ways and the total value is about 270k. The financial adviser have advised not to encash the total amount, but to split the investment and allow the individuals to choose if they want to "cash in" or not. I need the money so…
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Share tipping websites
Thought I would share this one just for a laugh link https://www.tipranks.com/news/company-announcements/jarvis-securities-strengthens-board-with-appointment-of-paul-shackleton-as-non-executive-director Quote 'The most recent analyst rating on JIM -6.25% ▼ stock is a Buy with a £9.00 price target.' Current price 8 pence No…
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Hanley Economic BS - Jet Set Account - Win a £10k Holiday
https://www.thehanley.co.uk/savings/jet-set-saver Each £500 in a 2.5% EA account on 28/08/26 earns 1 entry. Bit like the TSB draw last Sep. I'll make no comment that the good folk of Hanley think "Jet Set" is a cool term - which it was in the 1960's…
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Tally Money vs The Royal Mint vs Invesco Physical Gold ETC For Investing In Gold
I hold a very modest amount in the Invesco Physical Gold ETC in my ISA. Outwith the ISA, I have been subscribing monthly to The Royal Mint's Little Treasures plan to build up a holding in gold, with which hopefully to treat the grandchildren at some point in the future. I also have a small sum in a Tally Money account. I…
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IFA
A quick one. I've never used an IFA but a friend has asked for advice, she says her adviser is independent but charges 3% a year, which I think is high. What's a spread for reasonable IFA charges?
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Pay rise..what to do with it?
Hubby just got a 10k pay rise. It will be for at least a year as its all contact dependant. We have no mortgage and no debt. Anyway we now are in the fortunate position of that coming in. He will go from 40k to 50k per year. He's going to up his pension contributions by another 1 or 2% but we are very low on savings..we…
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Reclaimed old bank accounts/savings/investments/pensions? Success stories wanted!
Here's the new thread for letting us know you've Reclaimed lost cash, whether from bank accounts, premium bonds, pensions or investments. We want to hear about all about your successes, including: * How much you got back * What sort of financial product it was * Which methods you used to reclaim it (My Lost Account,…
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Accessing Junior ISA for Adult with severe learning disabilities - Court of Protection?
My 16 year old son has severe learning disabilities from birth and no ability to make decisions. He has around £7k in a child ISA and I am wondering what the best thing is to do for him when he turns 18. He will be dependent for life but we are hoping to buy a property with an annex for him so he has a little independence…
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Help me understand the timing of fund sales
Using interactive investor, I put in a sale request of VLS 80 at 2:44 pm on the 16th - last Friday. I know I had missed the cut-off for the Friday evening NAV, but I totally expected to get the Monday evening NAV. The sale just completed today and it has used Tuesday evening NAV although showing the date and time of the…
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Santander Easy Access Saver (Issue 1) Limited Edition up to 4.05%
At long last ...
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Passive investing advice needed - but not with HL!
I'm looking to invest roughly £100 pm in index funds for the long term. I have an ISA with some shares (AIM) with HL, but I don't want to invest in funds with them, as I'm sure I can find better elsewhere (especially after today's email). Just interested in who others use to invest? I haven't decided which funds I'm going…
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Most recent: Flexible ISA's redundant by jifmoose
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