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Vanguard funds for a new investor
Hi - probably a really silly question. I'm looking to take control of my workplace SIPP and want to start investing in index tracker funds to forget about for the next 30 years. I see Vanguard Funds Plc FTSE All-World UCITS ETF (USD) Accumulating (VWRP) recommended and think it would suit my needs but just wanted to check…
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Principality merging accounts
This morning I received a secure message which said 'thanks for closing your account' (First Steps / Buyer issue 1) which I hadn't done. That sent me into the horrible realms of thinking that I'd been hacked and money stolen. No, PBS have decided that customers can't hold issue 1 and 2 and so have merged 1 into 2 which is…
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Savings advice
Hi, looking for some advice on a regular savings account. So I have been paying additional overpayments on my mortgage (currently at a balance of 57,317k) and I'm on a fixed rate so can only pay 10% of the balance at the start of each year which for this current year im going to hit the 10% limit in may. From then onwards…
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Selling shares questions
Wife has the following shares all seem to be held with Equiniti shareview Tesco worth £82,000 Shell worth £4500 Centrica £750 & We both have Lloyds shares only worth £85 each We are looking to prob cash in all them except the Tesco shares. Should we just do it through Equiniti or is possible & worthwhile to transfer them…
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How to structure Premium Bonds between lucky husband and not so lucky wife?
My husband and I both have premium bonds - he seems to win every month while I win every month or two (yes, it's extremely annoying!). We were thinking of cashing my bonds in (around £10k) and putting them into his account, but can't seem to work out if that's going to increase or decrease our odds. Anything with a…
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Premium Bonds investment date
A family friend is using their money in Premium Bonds to part fund a property purchase. As is normal the mortgage company ( and later the conveyancing solicitor no doubt) want to see proof of funds, and that the funds have been there for a suitable period of time. The person involved bought £50K in bonds about two years…
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Deed of variation
My father died 18 months ago, and we set up a deed of variation on half of his estate. We got a financial advisor involved who said this would be a good way to protect the assets (cash no property) for our family line, and also from the money being swallowed by potential care home fees in the future for ourselves (we had…
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NS&I Premium Bonds Alternatives?
I'm looking for some advice on what would be a better return on my investment than NS&I Premium Bonds. I currently have around £30,000 in Premium Bonds, but with the win rates being cut drastically, I'm starting to question if they're still the best option. I know Premium Bonds are secure, but their returns are unreliable…
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Pay off mortgage or invest in SIPP?
Hello all, I have a decision to make which I have been wrangling with for a while and would appreciate some other views on! The background - I'm 46 earning £60k a year. I have a Civil Service DB pension and around £70k in savings split between cash ISAs (£30kish @ 4.5%), regular savings (£25kish @ 4.5%) and a stocks and…
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Tax code for interest
I do not have to submit a tax return. My tax code is adjusted by HMRC to deal with my taxable interest, which comes from a number of different sources. They simply announce the total amount, and I have not found any way online to explore the details, or request this information. I am not claiming any errors, but would be…
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Investengine Lifeplan portfolios
These look like a decent proposition and alternative to Lifestrategy. What are the thoughts of any knowledgeable investors amongst you?
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Help to Save: first bonus payout?
Anyone had theirs yet? Or know when it usually gets paid in? The website just says 'by the 14th'. Things are tight this time of year so counting on that bonus going in. Thanks.
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Systemic incompetence - Aegon
We're having a torrid time trying to cash in Aegon investments into an annuity. The process has been ongoing since October, with an IFA charged to handle the transaction. Multiple documents submitted, multiple calls with 40 minute pickup times, multiple "confirmations" that Aegon has received all the necessary paperwork…
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First Direct Regular Saver
Hi all. Ive just opened the First Direct Regular Saver which says it will open in 3 days and will take the first amount also. What I cannot ascertain is where it will take the funds from as it didnt ask. Does it take it from your FD current account? Thanks
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No longer possible to get a simple savings account children themselves can use?
As a child of the 80s I remember collecting the NatWest piggies, getting a free Barclays moneybox with a cool secret combination lock, a regular Henry's Cat Club magazine with Woolwich building society and probably countless other things too. Banks and building societies bribed kids to open accounts. Free gifts aside, I…
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got 450k to invest...ideas?
we have around 450k to invest. We dont need an monthly income from it and can tie it up for a year at least. We are very risk averse but would like to get some ideas on what we might realise in terms of interest or dividends or whatever after a year. We already have a buy to let and would not be looking for another one.…
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JISA - advice needed
I have cash JISAs for my 6-year-old and 14-year-old with Loughborough. Would it be advisable to move to a stocks and shares JISA with only 4 years left for my eldest? And if so, any recommendations please?
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Inheritance money
So it’s been around 5 months and the house isn’t on market yet will it take much longer? We are due some inheritance money but sadly the house isn’t on market yet some people say it takes years now some say less time any ideas?
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Paying Tax on Interest
Hi, last year I would have earned more than £1000 in interest on my savings. I'm a bit worried as I'm not sure if I need to do something to pay this? I am in full time employment, so will HMRC at some point just change my tax code to reflect I earn more than £1000 a year in interest? Thanks
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High Interest Easy Access Savings Advice
Hi, I am currently with Chase but they now only offer 3%. I'm looking for an easy access savings account, without needing to take a current account with it, but also one with over 4% interest, pays interest monthly and allows unlimited withdrawals which are same day - basically the same service as Chase. Any ideas please?…
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