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Equity market crash ?
Like we all know equity markets always crash every so often, it’s only time before the current record highs fall also, and like many think it may be very near, who knows. Who is happy for it to come sooner rather than latter and for what reason eg early in investment life so longer to recover , already sold and going to…
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ISA mistake - opened a General Investment Account.
I opened what I thought was an Stocks and shares ISA with Nutmeg in October 2022 (in their Smart Alpha managed portfolio). I should have payed more attention but I have only just realised that the account is not an ISA but a General Investment Account. So i'm please seeking advice on what to do. I havent had any other…
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Advice
Financial Advice 💰 Hi 👋🏼 Looking for some 💰financial ADVICE / feedback on my current setup! I’m 19, living rent-free with my parents in Lancashire🏴 , earning around £1,800/month (pretty dead-end job for now, A-level educated, entrepreneurial-minded). Current monthly breakdown:💸 £600 → Managed S & S ISA💰 £200 → SIPP🏠…
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Savings accounts while living in Spain
Hello, I am
moving to Spain soon and I am looking for a saving account in the UK that I can
hold when I live in Spain and can have joint names on the account. thanks
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Plum Cash ISA
Might be worth flagging up the terms for the cash ISA. I understood that I would need to retain for 12 months to get the bonus interest. At12 months I was told that the bonus would arrive at the end of the month. that has passed - no bonus. I contacted again and was told “at the end of the following month”. However, if…
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Increased Markets Volatility
Markets
will almost certainly open down on Monday, on the back of the latest trade and tariff
spat between the US and China. Meanwhile, Dimon has expressed
concern at the increased ptential for market falls and the likes of Jeremy Warner have recently
dedicated long columns to the subject. For the average retail investor…
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Bad experience with Tembo
Has anyone save on Tembo easy access account. ? I did. regretting it. No way of withdraw your money on the Tembo Apps. Can anyone help please as to how I can close my account, and get my money? Financial Ombudsman said. i have to wait 8 weeks to complain.They features in one of Martin Lewis instant access savings…
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Should I sell an under-performing fund and invest the money in well performing shares?
Hello, First off, the investments in question are in a SIPP with 20 years left to run, so they are very much long term investments. That said, I would still like it to grow as much as possible every year - hence the question. I am also a novice at this sort of thing. The portfolio is evenly spread across a range of regions…
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Stocks and shares ISA all with one provider
Do people see it as ok to have all you stocks and shares ISA holdings with one provider. I currently have 200k with iweb. As this has no holding fees. And 130k with AJ bell I am thinking of transferring this to iweb. As AJ bell has a holding fee of 0.25%. is it seen as risky to have large amounts with just one provider?…
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Best type of account to save for a house?
So I currently have a LISA sitting at around 20,000, however I don't think I'm going to be able to buy a house for the £450,000 limit. Is it worth me continuing to pay into this account, and if not, what's the best sort of savings account to save my deposit in? A cash ISA?
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Ready Made Investments (as offered/advertised by High St banks)
I'm talking about those ready Made Investments (as advertised by the high street banks) aimed at people like me who don't have time or simply don't want to investigate individual bonds/stocks etc. I now have 3 of these (one each with Lloyds, Halifax, and Barclays) - the gains are far superior to any ISA or fixed rate…
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Using an IFA
I have used an IFA for many years, to deal with my mortgages and personal pension. A few years ago I decided to invest some money from my small limited company, in an attempt to mitigate inflation, which was about 10 percent at the time. The investment fund has done ok. I now want to invest a bit more (not adding to the…
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Late 2025 low risk changes to ISA and SIPP
I feel the mood music is shifting and at some point in the next 6-12 months the music is going to stop and as usual, I'll be left without a chair. I'm not looking to time the market, I am looking to move my SIPP and ISAs with HL and Vanguard away from 100% all world Equity which tends to have a US and UK bias. I really…
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Foreign Currency
I have some foreign currency in an overseas bank account and the interest is less than 1 % but tax free. Notes inflation will eat into it and I have maxed out my ISA. I no longer require this money in a foreign currency and looking to save and invest it as it is part of my retirement fund. I am trying to work out what my…
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Total chaos at Kent Reliance
I received an email on 19 Sept saying my easy access accounts would move over to their new system last weekend (4-5 Oct) and I could register for this online from 6 October. Having tried this several times it appears that my easy access accounts are still on the old system and there is no clear date for any future move. I…
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Savings account for an RTM
We are a block of 20 apartments and are a RTM Co. Ltd with a managing agent looking after collectionof service charges. We are very proactive and manage most of the building ourselves. We have now built up a substantial amount of service charge surplus funds held in a trust account by our agent. Our agent however will not…
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Which Index funds to invest in?
Hi folks, at the moment I am in the fortunate position of having a sizeable pot built up in cash savings. From what I've heard this is probably not the best strategy to be so cash heavy versus investment ratio? I have dabbled in the stock market over the past 5 years with varying degrees of success. Probably just about…
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Charter Bank Sharp practice
I see Charter Bank are trying to "pull a fast one" - and failing.I have a fixed rate account about to mature and going into the maturity options, I'm offered a 1 year fixed rate at 4.05% AER mmmmmmWell their main site says that they are offering a 1 year fixed rate account at 4.11% AER. So they are offering worse terms to…
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Pension Muck up by Scottish Widows!
To put this as short as I can; I recently requested a transfer of a smallish pension pot of £4137 from my Scottish Widows old work pension, to my Hargreaves Lansdown SIPP. I filled out all the forms, and in those forms were the Scottish Widows and HL account numbers. After some time, I noticed £4137 paid into my Bank…
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Best use of £20000 a year for retirement
Hello, I’m looking for some advice. I’m fortunate to be able to save £20000 a year and I’m currently putting this into a cash isa. However I’m looking forward to when I retire and I’m wondering whether to just live off this money when I retire, or am I better to invest it in a property (when I’ve saved up enough) and rent…
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