Savings & investments

Post by @Chaykin BS AGMs: Having so many accounts with various BSs inevitably means a lot of AGM correspondence - mostly via email nowadays although I have received one from Monmouthshire BS in the post recently. I tend not to bother voting etc. unless there's a prize draw or they say they will pay charities for voting.…

I have a self-managed ISA with II which currently has four active funds in it totalling around £300K. I'm (still) looking at moving some of those funds to passive equivalents. My passive ISA with II is in their Managed ISA which is a separate account in II terms, and to move money to it I would have to sell in the active…

I've just sold an inherited property for c£400k and feel very blessed. I'm looking to buy a house with it at some point 😊What would the best short term investment strategy, I don't have any ISAs and am married and a basic tax payer. I've looked at NS&I as an option and there are other ideas such as Sidekick but I'm a bit…

OH wants to purchase Invesco USD AT1 CoCo Bond UCITS ETF Dist in his IWeb ISA. Despite several Invesco products available, this one doesn't seem to be listed as available to purchase. Do you have any suggestions for anything similar please? TIA

Morning all, I have a smallish portfolio of unit trusts, Investment trusts and shares. Reasonably well spread, although “top heavy” on UK. “Rainy day” cash also held. I quite like the thought of a dabble in silver bullion coins but despite having read quite a bit on line, I’m still struggling to get clear in my head what…

Hi, I opened a Trading 212 account a while ago through the free £10 investment promotion. I’m now looking to open a Cash ISA, and I’ve seen that MoneySavingExpert has an incentive for new customers. This might be a silly question, but does anyone know if I would be classed as a new customer for the Cash ISA offer, or an…

Hello, I have some money mostly from an inheritance 5 years ago at I've had in Barclays, then in Chase (better rate), and now that the rate is ended, I am looking to move the money to another instance access savings account with a decent rate. What I am finding is there is a massive difference between the how banks allow…

What are peoples' thoughts on their new offering - especially for existing customers? Is it a no brainer? How quick was it to actually close your old RS when going via chat before you were able to open the new RS? I note that rather than rolling into a new RS in 12 months time (with accumulated funds and accrued interest…

I am trying to locate if my 371 shares under Folio (Removed by Forum Team) The last statement I can find is dated 10/09/01

Symbol: HRI, ISIN:GB0004228648 Any thoughts on the future of Herald Investment Trust? Just had the majority of my shares in this sold via corporate event (I had previously agreed to this). From what I can establish it seems that Herald are being taken over by Aberdeen which appears to have become necessary due to hostile…

(moved from another board to here..) I hope this is the right place to ask for thoughts on how to plan my investments. I am trying to have a diverse asset allocation while keeping it simple (eg hold 2 funds) but at the same time not putting all my eggs in 1 (to 2) basket, but I feel I am going in circles. Background…

I've got about £28,000 in two cash ISAs. I have them set to pay out the monthly interest into my bank account to supplement my income. They have matured now so I'm shopping around and was wondering if I could put them into a S&S ISA and get the monthly interest paid as per my cash ISAs as the rates seem higher. I'm happy…

Hi, I have a good few accounts empty accounts now from taking up offers for ISA's and savings and I am wanting to close them. Am I right in saying that it's best to download a copy of all statements from an account you're about to close so you have a trail of where your money has been in case you need to prove anything in…

Hi I've got a freetrade account I had an interest in buying these shares: EssilorLuxottica €ELp I notice when I buy or sell there appears to be a FX fee can anyone fill me in on what this is and how much it takes per transaction etc?? is it worth on this basis avoiding either individual shares, or specifically individual…

I've always been curious about this. Many people manage their own investments successfully, but at what point do you think it becomes worth getting professional advice? For example: £100k? £500k? £1 million+? Only when retiring? Never? Is it about the amount of money, or is it more about life events like retirement,…

Just got an email that Vanguard are lowering the fees on their FTSE All-World ETF from 0.19% to 0.14% - a 26% reduction! Not to be sniffed at - I wonder what drove them to that - presumably the competition and loss of customers?

I am a UK citizen/passport holder and reside in the UK (for tax purposes). I do not have any other nationality. I wish to take part in SpaceX's upcoming IPO to the tune of in excess of £50k ideally using cash I already have prepared for the IPO currently held in a (UK online broker) stocks & shares ISA. I understand that…

Saga has a 4.5% easy access account. At the moment that seems to be the best non-ISA rate for large amounts. Saga is marketed to over-50s but is available to over-18s. I ‘qualify’ on both counts but doubt I would have opened an account when much younger. What is your age and would you have opened a Saga account if you were…

Just for non Halifax / Lloyds members - has anyone actually managed to open one of these new accounts? I have been on the website and appear to be stuck in a doom loop and unable to actually find the place to apply ! Any help / links appreciated. I've also tried the app, but this states that I ned to open a current account…

Hi folks I've been banking with HSBC for quite a few years now, but their interest rates aren't particularly great so it's time for a change. After weighing up my options on MSE I've initiated a transfer of my cash ISA to Vida, and have already moved my easy access savings (about £32K) to Chase. I was just wondering if…