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On going FA charge (sorry)
I have a small pot of £360k with Prudential that I cashed in 2022. The Pru appointed an FA and he set up a Prufund RM3 and Prufund Planet RM3. It just sits there and I have an annual review that takes about 30 minutes and its the only time he interacts with me. The Pru pay him monthly out of my fund. He has dropped his on…
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Treasury Gilt vs Treasury Stock - difference(s)?
I've just noticed that most government bonds are issued as Treasury Gilt (e.g. TE28 - 4 3/8% Treasury Gilt 2028) but some are issued as Treasury Stock (e.g. TR38 - 4 3/4% Treasury Stock 2038), but I can't work out if there are any differences between how they work and underlying risks. Anyone with some info on this? Thanks…
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Would this strategy of 100% equities work?
What if I had 100% equities (in index funds) and a cash buffer to pull from for the average bear market of approx. 22 months of living expenses. Plus, say, 22 x £1,000 to buy the dip?I think I'm getting close to retirement and I am mostly I equities with hardly any bonds which I'm told is ill-advised.
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Best Strategies for Saving and Investment: How to Build Wealth Over Time?
Hey everyone, I'm relatively new to saving and investing, and I wanted to get some insights from experienced members here on the best strategies to build wealth over time. There are so many options out there, and it can be overwhelming to know where to start. Here are a few questions I have: * What’s the best approach to…
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Security problems on some ii screens?
I'm getting security errors (the Your connection isn't privateAttackers might be trying to steal your information from secure.ii.co.uk (for example, passwords, messages, or credit cards).net::ERR_CERT_AUTHORITY_INVALID screen) on certain ii screens, when I'm logged in to the site. It seems to be screens that start…
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Portfolio Risk Measurement
I have finalized my asset line up for next year so now my attention has turned to ways to
measure my portfolio for risk. A number of posters recently have mentioned a
desire to reduce risk but none of them have attempted to quantify what risk
levels currently exist in their portfolio’s. Simply, if you can’t quantify…
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CSH2 query
I bought some CSH2 on Friday (Lyxor Smart Overnight Return Money market fund). I looked at the portal yesterday and saw that I had made a small loss. And indeed, in Mon 24th the fund did close lower than it opened (see below). My "buy" price on 21st Feb was 117,087. I'm not too bothered but am just interested, for my…
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Some advise about investing small amount please
I am considering investing, though never done so before. As have been quite risk averse. However wish to try to increase my pension pot and have more options for the future. Therefore would appreciate some advise, as I am unsure if a S&S ISA is suggested over investing directly into the market and with my budget I can only…
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My experience with Charles Stanley Direct - AVOID!
Long time lurker but infrequent poster. I want to let people know of my experience with Charles Stanley Direct (CSD). I was tempted by their cash back offer, but never again! I attempted to transfer a SIPP to CSD. My initial transfer request was made on 31
July, in the end I gave up and cancelled the process in…
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Tax code change mid-year
I opened a new savings account that paid £78 interest in October (acct opened last week of Oct) and £278 in November. Today I had an HMRC coding notice saying I have untaxed interest of £33. I thought banks told HMRC interest at the end of the tax year? Have they estimated the tax for the rest of the year or will they…
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Investment help?
Disclaimer - I am seeing a IFA in the next two weeks but want to crack on to make the most of this years tax breaks. Just sanity checking I’m on the right lines. Husband has just died. After everything (mortgage etc) paid off I will have approx £400k left. I am 54 with a dependent 18 year old (will be dependent for a long…
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Buy and Sell
Is it possible in theory to buy and sell a stock every day? There are stocks that are volatile and go up and down daily. Would it be possible to buy the stock at a low, then sell it when it goes up by for example 2%. Then sell it for the 2% gain and buy it once it goes down and repeat? That way you could make a 2% gain on…
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Scottish Widows Investing ?
Total newbie to investing here … I have a Scottish Widows Pension and noticed you can also have an investment account with them. I fancy having a go ! Maybe start with 500 quid to see how it goes with perhaps a coupe of K to ultimately play with. If it goes well maybe invest a bit more. They appear to have packages already…
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Moved: Do i have any hope in retirement discussion
This discussion has been moved.
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Natwest & RBS regular savers - any other similar?
I have a Natwest regular saver which I've spent over 3 years building to the £5000 limit. I take the interest monthly to keep it at the £5000 and getting the 5.5% on that. I'm halfway through the same with the RBS equivalent. Does anyone know of any similar accounts with other banks? Most regular savers mature after 12…
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Is an IFA really worth it?
Hi All ! Yes I know that this is an old question - I have been reading a lot - but unfortunately haven't been able to make a decision, yet! Take this scenario * No debts at all * Not working * 59yo * Cash savings * A couple of pensions - both DC I have been asking IFAs what they would charge for simple high level advice,…
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Chip Savings Deposit Warning!
Good morning everyone, I count myself as tech-savvy but have to admit that this went over my head a little bit with Chip. I have a Chip account and have used this for a few years now - no issues. Loads of deposits and withdrawals - all pretty instantaneous. Obviously read about their new instant access saver at 3.15% on…
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BGEO/Lion Finance
I have invested into Bank of Georgia/Lion Finance - ticker BGEO. It has done extremely well of late, but information on the stock seems hard to come by. Anyone know where to look.....
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Investing basics
Can someone explain the benefit of the population investing for a country? If I understand correctly someone buying stock on Trade212 does not give the company any money. It does not somehow help a company grow more since any of the money people "invest" does not go to them. There are a lot of companies with a stock price…
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Active ETF's?
I have encountered some articles online recently about Active ETFs (eg https://www.hl.co.uk/news/active-etfs-surpass-passive-for-the-first-time-what-are-they-and-whats-driving-this-shift ).What are the advantages of these to the ordinary investor?They appear to be more expensive than passive ETFs, although they trade in…
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