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How to invest/protect €240,000?
We're investment novices, we know the basics, but now need help. My wife and I have just sold our holiday home in Europe. On exchange, in August, we took a deposit of approx €50k that we converted to sterling (rate 1.16) and put £20k each into a Cash ISA with T212 - each £20k is spread JP Morgan £2.5k, Barclays £8k,…
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What would you do with the savings I have?
I’m a self employed sole trader. I have 2 current accounts, one for work income and one for personal payments which I transfer money over from the work account to pay for living expenses, bills etc. I find this easier to keep track of my work money in and out. I also have a ‘help to buy’ isa which I set up just before they…
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Best place to move my money to?
Hi, I've been going over my finances and have found out that I have a nice little sum tucked away in an account that I don't use anymore. I pay a standing order each week to this account for 2 direct debits that ended a while ago. This has in time accumulated to just over 5k. The account doesn't have a very good interest…
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Inheritance help
Hi, i hope you savvy people can advise me. I have just inherited £600,000 from a relative. My own mortgage is paid off. I don't intend to move. I plan to give my son £250,000 to buy a house using the 7 yr tax rule. Anybody have any ideas for the best place to put it. I am a 64 yr old recently retired female. My husband is…
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AJ bell dodl
Randomly check my Lisa on dodl I have their themed investments, across the pond. They don't do ishares us equity index fund (UK) d acc anymore Ongoing charge is 0.05% Is it worth selling this and buy spdr sp 500 ETF, ongoing charge is 0.03% Any pro and con on this ?
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Buying foreign index funds in ISA
Hi everyone, I am new to investing in ISA. I have opened up an account with iWeb. In iWeb, I want to buy US index funds. Will there be any tax consequences. Thanks in advance.
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T212 vs Plum
I recently transferred my Cash ISA savings to a T212 and also put the full amount in for this tax year. As T212 is flexible, do you think it’s worth now shifting this years 20K into Plum? what would be your own personal reasons for or against doing this?
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Chetwood Bank
Sorry, I'm a newbie to this. Is it normal to send money to the bank's business account when depositing money? Does this mean that I don't have my own individual account. I've never been asked to do this before with a savings account. Please could someone explain how this works and whether there's any risk involved for me.
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Late payment of dividends from Hargreaves Lansdown
Hi everyone, I own the same Vanguard ETF VWRL Distribution with three different brokers - iWeb, Fidelity and Hargreaves Lansdown. I've noticed that Hargreaves Lansdown is always the last to credit my account with these dividends - this time (September) it seems it will happen on Monday 30 (in comparison, iWeb was the first…
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Options for temporary savings from house sale
Hello money savvy peops I wonder if you can offer me your thoughts; I'm selling a jointly owned house (my main residence) and will have over 200k from the sale (no mortgage) and plan to be renting for a period (not sure how long for; up to a year but could be less or a bit longer). What kind of savings account would be…
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Best Way to Save Bank Passwords
I have several savings accounts with different banks and building societies Currently these are written in a coded form in a book which I carry with me at all times They are coded in case anyone should find my password book should I ever lose it It's highly unlikely they would be able to break my code 😂 Though if I lost…
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Cynergy - warning
Needed to give notice to close a 120 day notice account and Cynergy’s website was down earlier (yet again). Tried using the app, but it won’t let you close this type of account. Phoned them – first had to repeatedly explain that you can’t do this in the app, then only to be told that if they do it, it will take 3-5 working…
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Pemium Bonds rate cut from December 24
New rate down to 4.15% from 4.4% currently. Also, the rate on its Direct Saver Bonds drops from 4 per cent to 3.75 per cent from 20 November. Income Bonds will also fall to 3.75 per cent from 4 per cent. Source:…
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Moving a SIPP
Hi I currently have a SIPP with Curtis Banks which is for a Discretionary Fund administered by Barclays Wealth. I'm not particularly happy with the fund performance or the fees being levied on the account and would like to get a comparison. Is there a site that can provide the information I need, and if I decide I want to…
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setting up fixed term savings accounts is a problem ... help to fix it needed urgently
I have recently been trying to set up a few fixed term savings accounts but have been declined by all of the banks i apply for which is peculiar as i have been successful in the past, the only difference being that some previous applications were postal rather than online. I popped along to my bank to see what the issue…
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Trading212 - Rate reduced to 4.90% from 30/11/2024
Just noticed in the app and in small print on the website that with effect from 30/11/2024 the interest rate is being reduced from 5.17% to 4.90% AER. This applies to Cash ISA, Stocks & Shares ISA and Trading account.
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BBC Market Data Feed - Replacement?
Now that the BBC have stopped their Market Data Feed, what are the best alternatives? Thanks
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Do ETF dividend yields work out as expected e.g. for FTSE100?
I was wondering if you own an etf in the ftse100 or sp500 and the companies from there give dividends, are you getting exactly the amounts you would if you owned each company individually e.g. 100 individual shares of the ftse 100 would yield the same as 100 shares in the ftse 100 apart from any charges? I thought about…
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Help Please
I'm clearing out paperwork belonging to my MIL who passed away recently and have come across a folder of Lloyds TSB share certificates from 1987 onwards. the latest statements I can find relating to them is in 2002. I have no idea if the ownership of the company changed then or if they were cashed in and invested…
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First direct monthly saver
I applied to open a first direct monthly saver on 28/11/24 and it was opened on 29/11/24. Now that it's the first can I top up the account or do I need to wait until the end of the month please?
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