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sipp performance
after best art of a year my sipp has returned 3.05% (2 hsbc global strategy funds) as a new investor I wondered how this compares to other peoples returns this year i have around 15 years till retirement and left it late to start, are people concerned about world events / trump and is this affecting anyones decision making…
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What3Words Investment
Hi, is it worth investing in What3Words? I can find little or no data about possible returns! Any advice appreciated.
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US fund "ideas"
I think 'ideas' must be my least favourite word in the investing lexicogaphy, and I pay scant attention to their relentless churn on the platforms' sites. But HL today said "There are good reasons to believe that the impact (of Trump's victory) on the US stock market could be positive, and particularly so for smaller…
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Bond funds - short term
I have held the Vanguard Bond fund VGOV for many years as the counterbalance to my equity holding. Of course the price of this took a big hit in 2022 but the yield is now a respectable 4.15%. I note its effective duration is 9.34 years Even so, now in retirement I'd like to add less volatile funds and bonds to deliver…
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What to do with £500 per month?
As the title says ... Are there any particularly wise places to put this cash? I have a few ISAs though nothing from this financial year so I could add £2k plus a bit before April and thereafter in the next financial year. My risk profile is about 6 for my pension pot so are S&S ISA worth a look? I would be looking at…
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Unexpected £20k gift. What would you do?
Hi, I just received a very unexpected £20k gift from a relative, and I'm trying to get my thoughts in order on what I should do with it. Bit of backstory, I have no debts - other than a £1,500 overdraft which I've just cleared with this payment - but I also do not have any savings (I did have, but they funded two stints of…
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Keep money in L&G Equity Index Tracker Fund?
Hi all, Just after some advice regarding money that I currently have in a L&G Equity Index Tracker Fund. When I was a child my parents successfully won a case against the local authority for an accident I had at school and was given compensation which I could access when I was 18. Fast forward to my 18th and the money was…
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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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virgin e isa issue 654
Could somebody please clarify some terms of this isa Virgin summary isn't very clear I would like to transfer an isa from another provider and have interest monthly instead of annually. 1.Will the interest show monthly to the account and compound ie show as added to the principal sum. 2. If the interest is paid monthly can…
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AER Confusion
Hi all, a question... If you had £50k invested in a fixed term 18 month savings account advertising 6% AER how much approximate interest would you expect to receive on maturity? £3,000 or £4,500
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Interest rates if we have inflation and recession
Interest rates go up to control inflation and down to stimulate a sluggish economy/recession if I understand correctly. Currently inflation is not fully under control and large public sector pay rises are said to likely worsen the scenario, however there is also a lot of talk of poor sales and a possible looming recession.…
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Best Cash ISA with Pots
Hello everyone. My partner and I are looking to set up a cash ISA for our regular savings such as house deposit, holidays, gifts, car deposit, etc. As such, we need a cash ISA that allows you to seperate the savings into different pots so we know how much we have for each category. Are there any recommendations for a cash…
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Moving from Vanguard - Where to and any cashback?
So I have 13k in a stocks and shares ISA (FTSE all world index). Wife has 26k in the same. With the £4 monthly charge the plan is to put 6k of my ISA into my wife's to take her over the 32k threshold where the charge of £4 applies. Then I need to open a new ISA somewhere else for my 7k. Was thinking there could be a…
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HTB: Funds Received - not allocated
Hi. I opened a 6 month fixed saver with HTB (Hampshire Trust Bank) yet on checking my account today I noticed that the last payment I sent has not been put in the account and in the description it displays "Funds Received - not allocated". Does anyone know what this means? My regular current account is showing the amount…
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Selling Vanguard Lifestrategy - CGT/tax question
Hi all and Happy New Year! I was wondering if someone could help me; I have Vanguard Lifestrategy 60% blended fund with Vanguard in a general investment account and I am now looking into selling some/all to transfer to an ISA account. I have been regularly contributing to this account on a monthly basis for just a couple…
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Best Savings Options for £60k+
My son has been lucky enough to save approx £60k and we're keen to understand what his best savings options are? Currently he has a lifetime ISA, (not sure how much he has in it, approx £10k I think). The rest is just in conventional savings and current accounts. What would you recommend are his best options?
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Happy New Year to all of you! I hope 2025 is a v good year for you and all those you love & cherish!
Just to wish everyone who contributes in any way to this (usually) wonderful Savings and Investments forum, no matter whether you're a complete newbie, an occasional visitor or a regular contributor, whether you post a lot, infrequently, very rarely or not at all, a very happy and productive (in the ways that you want it…
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Advice on 20k for 18 year old
Happy new year. What better way to spend it then getting financial advise when you're working. So my son turns 18 in a few days and will inherit £20,000. Obviously rather then watch this being wasted looking for best advice to give to him. My limited knowledge (and wish for him) would be work towards getting onto the…
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CGT
Trying to work out potential CGT gain on Shell plc, Nat Grid and Centrica shares. Bought British Gas shares back in the original Ask Sid flotation and I think over the years I have accumulated these 3 companies as a result of de mergers, take overs from the original British Gas shares. How do I work out the original cost…
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The Buffettster
Warren Buffett jumped from about 3% cash allocation to 12%, 1 year before the dot-com crash. He went from under 10% to 23%, 3 years before the 2008 Financial crisis. In the last 2 quarters, has jumped from around 15% cash to 28% cash. Timing or time in? Decision time! If only I had $330bn in cash to play with, I could…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
