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Best short-medium term accounts?
Unfortunately I’ve got a terminal diagnosis which was 12 months last October, so I cashed what I had in my pensions, these are still being processed but should end up around 100k (I’m 48). I’m wanting to get the best monthly return but also need easy access as although still getting paid from my employer, I’m not sure how…
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TSB possible takeover
I’m a TSB customer (savings) apparently Santander may be about to buy them out soon i was wondering how this could possibly affect me as a customer is there any chance I may end up having to move all my money out? Or is that very unrealistic in this type of takeover? I read this article: “If TSB were sold, current accounts…
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Royal Mail Shares
I did not accept the offer to sell my shares but see today a payment by IDS PLC in my bank account which means they must have been compulsorily purchased. Works out to the offer price of £3.60 per share. Does anyone know if the Special Dividend of 8p per share will still be paid if compulsorily purchased. Looking through…
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Fully understanding the reasons for holding Acc or Inc units generally?
I think understand the reasons why people choose Acc or Inc units in tax efficient wrapped products and unwrapped products. I have decided to use more Inc units to drain a bit of value out of my equity units in a very unemotional way and avoid trying to time the market. I intend then just keeping the cash in MMFs and to…
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Value small cap
Does anyone know where i can get a value small cap etf? From what i can tell having 10% in small cap could have increased returns by around half a percent over the last 20 years whilst also reducing risk. PWL-WP-Felix-Factor-Investing-with-ETFs_08-2019-Final.pdf (pwlcapital.com) Page 20 ignore the allocation he is…
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old Powergen shares
I am trying to find if we still have Powergen shares please can anyone help
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What would you do?
Hello, I am on the cusp of turning 52. Had a few ups and downs financially and lost a lot of money for various reasons. Despite these setbacks I have a chance to turn this around. Working very hard and now making some good money. I am in the fortunate position of having minimal overheads so i survive on my yearly taxable…
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Nationwide Fairer Share Payments all received!
All four of us have already received our £100, that's Me, Mr Cricket and two Cricket juniors. Nice start to the day to be £400 better off as a family! Not a boast, just a reminder to check your Nationwide accounts if not already done so. I seem to remember that payouts would be between 18th June and 4th July Lots of love xx
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Beware Zopa!
I took out two Zopa savings accounts, one instant access and one 31 day notice account. FAQs state withdrawals to your nominated bank account are usually within 10 minutes but may take up to 2 hours. I requested a withdrawal on Friday evening (19/05/2023) from my instant access account and could see this money in my…
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Raisin - Account verification & activation
How long does this take? Think I have left it too late to avail of the £100 bonus offer, as account needs to be set up by Friday
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Quality Value ETF
Having been with Fundsmith since I started DIYing in 2017, I’m
losing patience. I still think quality is worth holding, but with markets now less
predictable than the one way street largely powered by QE, Fundsmith's concentrated do-nothing
style feels a little less appropriate. Fundsmith (the Stewardship/Sustainable…
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Paragon Bank - login issues?
Just wondered if anyone else is experiencing problems logging in?
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Kent Reliance - Verification of Identity
Tried to open an easy access savings account. KR asked for a bank statement to verify my ID. Posted first class on Sat - an idea how long they take to do this? Haven't heard anything. Will they email?
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Property Investing vs ISA
Hello. I’m looking for some advice I have around £100k in a stocks and shares ISA, invested in a fund with an average return of 7%, and I have around £50k in other savings. I have no debt. I’ve been offered the opportunity to buy an investment property from a family member for £120k, which is below market value. It’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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Buying Gold - for savings
I can see from reading older threads on the topic of gold, that it causes a fair amount of divided opinion. Nevertheless, I'm currently thinking about investing a relatively small amount (say £10k initially,
to test the waters ) in gold, as an additional form of holding my 'savings' as opposed to seeing this as an…
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Buying gold/silver instead of an ISA
Hello I'm wondering if buying gold/silver coins is better than investing in something like an ISA, such as buying sovereigns from the Royal Mint. Does anyone know if this is a better option for long term saving??
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Best way to Invest/Save to pay off help to buy
I’m late to the party and have never invested but looking for some advice as I’m finding it a bit overwhelming. I will try and give as much information as possible but if there’s anything that’s not clear I’m sure I can elaborate in the comments. I’m 41, spent last year reducing bills and clearing car/loans/ credit cards.…
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Help with Inherited Investments please
My mum died recently, leaving me investments to manage. I am 20 and starting uni soon, so trying to sort all my finances, new and old, to the best of my abilities before I go and start a new chapter in my life. Hopefully what I decide now will be good enough to keep the same system long term whilst I focus on education and…
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Flexible ISA and Investment Question
First of all I will say that I am well aware investing should be for the long term. I have a S&S ISA already but the question I have here is more specifically with regards to what is allowed regarding the ISA allowance. If, in one Flexible Cash ISA there was £80k, built up from multiple years, and another Flexible Cash ISA…
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Most recent: Cash ISAs: The Best Currently Available List by nomorekids
30 July at 8:58PM
