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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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Why buy gilts at issue?
Hi - just curious really, I have an account with ii and they have just emailed to say I can apply for a new gilt being issued. It's a brand new one as far as I can tell. However - it's being launched by syndication which means the price isn't set in advance, so my question is why would anyone do that? Since you don't know…
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Tax treatment of Capital Investment Bond withdrawls
We opened a joint Standard Life Capital Investment Bond in 2005 with an initial investment of £42,600. We've not touched the money (which has grown to £105,000) but retired this year and want to make withdrawls as tax efficiently as possible. The SL literature accompanying the most recent valuation states' Gains and income…
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ISA transfer from Trading 212 to Virgin Money
Hi is it possible to transfer a cash isa from Trading 212 to Virgin Money online without having to print the form and send it off pls?
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Investment mix
What is everyone's opinions on this? Have inherited approx £100k pension Moving providers, and looking at investments Am 44. Will have the option to draw down, but won't need this in the near future. So looking a set and forget investment plan. Vanguard LifeStrategy 60% Equity Fund (Acc) - 60%Fidelity Index World Fund…
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ISA offers ie rewards/gift vouchers/etc for joining/moving ISA to them
A couple of days ago I received a letter from one of our savings banks, Isa matures in Oct. I/we ie me and my OH, hold several cash ISA's I've been looking around the internet and this site, but can't find any meaningful rewards for joining another bank/etc by moving old isa at maturity to them, and/or open a new one…
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Investment ISa with medium risk but long term
Can anyone advise which S&S ISA would be best long term investment? I have £20k ( and yes other savings for rainy days). I am a novice so can’t manage it on my own but want to get something with reasonable fees too.
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Bubbles, gains and CGT
First post... but longtime lurker. We, wife and myself both mid-60s, have (almost identical) GIA accounts with ~60% in share ETFs and ~40% in bonds/ETFs (our ISAs are maxed out and we've no mortgage). The bond part's fine, this produces a steady income, a good part of which is index-linked. It's the shares bit that worries…
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