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How should I invest my Inheritance money?
Last year I inherited £10k from my grandparents. I have had it sat in a savings account with an interest rate 4.72%. I own a stocks and shares ISA with vanguard (worth around £20k currently), in which I invest a few hundred every month into either LifeStrategy® 60% Equity Fund - Accumulation or LifeStrategy® 80% Equity…
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Taking out Cash ISA money from Trading 212 account to Easy Access savings advice
Asking for my relative, who is not working/not receiving any other income and 50 (i.e not receiving pension anytime soon). I helped them set up and transfer their previous years of Cash ISA to Trading 212 recently but the rate has dropped to 4.36%. As far as I know this is a flexible ISA so I was wondering if I can help…
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Pay.off & invest or not pay off & invest?
Hi all, Just wanted your opinions on the following. A few weeks ago I was extremely lucky to win a competition that resulted in a considerable 5 figure sum hitting my bank account. I immediately paid off 2 bank loans that freed up over £550 a month. I have invested the remaining amount into a stocks & shares ISA that is…
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How will my cash ISA work?
I put £4k into a cash isa last tax year at around 4.2% interest. It was with the bank that I bank with already. This tax year, I transferred this amount + an additional £9k into their new fixed term (1 year) isa. Does this mean I've used £13168 of my £20k allowance? Should I have perhaps opened an isa with a different…
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Nationwide Member Exclusive Bond
This year's bond is similar to last year's. 5%AER over 18 months. Maximum £10k. Down on last year's 5.5%.
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bonds / gilts
Looking for a way to invest cash outside of the stock market, rates are above inflation but have been thinking about looking at bonds. Im unsure about where to start looking at bonds, any recommendations?
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Morningstar withdraws portfolio manager and X-ray
I have just heard from Morningstar that they are withdrawing these facilities from June this year. They are essential to my investment management strategy as they help ensure that the portfolio is well diversified across all regions, countries, sectors, equity type, asset classes etc. is there anyone else who provides this…
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LISA (gone wrong) advice needed
Hi all A quick backstory, I opened a LISA with Moneybox a few years ago and started saving but had to withdraw the whole balance due to a financial emergency leaving me with £0 in it. Then January this year I decided I wanted to start saving in my LISA again but saw Tembo had a better rate so in January transferred the £0…
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Best value for replacing share certificates
I inherited some shares from my dad, but we can't find the share certificates. I know lots have asked this in the past, but I'm trying to find the best value provider of a letter of indemnity so I can replace the certificates, so I can sell the shares. It's around £110,000 worth of shares so the quotes I've had have been…
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Paying with cryptocurrency
I've been asked to pay for something with cryptocurrency but problem is I know nothing about it. This needs to be done in next ten days. Where do I start? Help!
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Personal tax account - now showing savings interest details ??
Some people are saying that they can now see details of interest on their savings accounts in their PTA screen. Others say not.The guidelines for the BBSI return were updated in Oct 24 and still say"HMRC requires UK banks and building societies to submit information annually about interest paid or credited to ‘reportable…
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Market Carnage - strategy (buy/sell?)
25% of my retirement plan is in a DC pension and S&S ISA (ive other in a DB pension and property), plus an emergency fund. Looking at the carnage im beginning to wonder how long it could last, how deep the sell-off may go (my equitties could we be looking at a 25-50% decline over the next 1, 3, 6 months)? A. Anyone in a…
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What to Invest in?
Hi all, I am due to inherit around £250k and am unsure of the best way to invest this. I have been thinking about buying a property and letting it out would this be the best option? I currently am lucky enough to have no rent or mortgage. Thanks all!
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Ltd companies bank details
Anyone know how I can find out a companies bank details ? I have recently won a tribunal case against ex employers and they have not replied to any correspondence I have sent in order to make payment of the monies the court ordered them to pay. I have now no option other to make a bank arrest, but dont know how to find out…
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Transferring SIPP from HL to Vanguard
Has anyone on here specifically transferred their SIPP from HL to Vanguard and what was your experience?
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Inheritance
Hi, I am after some advice if possible please. I am about to inherit 150k. I have no savings or private pension. I will be eligible for a full Gov pension though but not for 12 years yet. I am a single 55 y/o female who has been living on Universal Credit for the last year due to long term poor health. Obviously when my…
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AJBell platform - Dividend payout
Just noticed there isn't an option for dividends to be automatically paid out to your nominated bank account. I know that HL have the option to do a monthly sweep, where all dividends are paid to your account around the 12th day of each month. Am I missing something or does AJ Bell really not have this feature?
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Passive ESG (et al.) funds/ETFs
Hi all, I'm a suffering
from severe research fatigue and could do with some help. Not specifically
direct recommendations on product X or Y, but just some human input of my
situation. Sorry for the long post. With my humble
amount of savings, I have been quite happy with Cash ISAs, but I've now built
up enough of buffer…
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$4trillion dollars.
How the hell can a single company be worth this much money? It's such an absurd amount of money that you can't even relate to it, what does it even mean to have $4trillion of something. If each dollar was a grain of sand, it would fill 3 class 1 HGV trailers. And the wildest part is you've got Microsoft just behind at…
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How to handle Hungarian gambling winnings sent via PayPal
Hi all, I’m in a bit of a grey area and would really appreciate any advice or shared experience. Over the past few months, I’ve occasionally played on some Hungarian gambling websites and ended up with winnings of just over £2,000. I withdrew the money to my PayPal account rather than directly to my bank. Now I’m uncertain…
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