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Starting out - where to put £2.5k?
I've put aside £2.5k that I can afford to take some risk with - to be specific, I don't want to simply gamble it all away or I'd go down to the bookies! But if it was to drop quite significantly due to poor decisions, it wouldn't be the end of the world. Don't need access to the cash. What would be your recommendation?
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Child Trust Fund
My daughter was born March 2003, so I believe she has a child trust fund. We are no longer resident in the UK and have been told she cannot claim her trust fund. Please can you confirm this is true. Also she has never had a NI number so would she need to apply for it to claim it if that is possible. Many Thanks in advance
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Chase asking questions - anyone else?
My husband and I have both had our Chase accounts for nearly two years. We transfer money in every month from our main bank account and have savings with them. He has had questions to answer on the app over the last week about his income and how he uses his Chase account, I haven’t had this. I wondered if they are coming…
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Nationwide Smart Ltd Access.Who's responsible for HMRC, IHT etc?
My parents opened a Nationwide Smart Ltd Access for their granchild who's now 17 a number of years ago that both my mum and dad are named on the account in addition to my son. I have been wondering is the money classed as my sons for HMRC, IHT, LA DOA, etc purposes or can it be wholly or partly attributable to my parents?…
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HSBC regular saver
I am trying to setup this regular saver so that the standing order is taken on or about 1st of the month to coincide with the receipt of my company pension.Any advice on when I should apply for the regular saver? Sat 28, Sun 29, or Mon 30.
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Saving account or paying off the mortgage
Hello, I am getting £25000 from an inheritance. I have 2 mortgages running along side each others. One is at around £75000 with a 3.05% interest fixed for another 7 years, the second is larger but fixed at a lower rate for another 7 years.There is a large fee if I pay more than 10% of the mortgage but I can make monthly…
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Best way to pay mortgage?
I'm 53, and I've made some pretty bad financial decisions, divorce, and a failed property investment, so was hoping to get some opinions on next steps. I lost my job a few years ago, now my new salary is approximately half (55k) what I used to earn. I have 5 years left on an interest only mortgage deal (1.8% APR) with 212k…
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Freetrade 'Free' share offer
Can anyone tell me how to get a free share with Freetrade? I thought I saw some information on her by Forum posters but can't find it. I am a new customer and recall seeing that you need to go though some link to get the offer during the account opening process but can't see a link. Thanks.
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Freedom of information requests to a IFA
Can I ask my IFA for what information he holds on me and would the request also include any actions he has taken on my pension account . I am trying to figure out if he active in the management of the account or am I just paying monthly fees and he is not doing anything ?????
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Gold in your portfolio?
I think this may be a bit of a 'Marmite' commodity but does anybody here have gold in their portfolio? If so is it gold tracker or a physical gold Etc or perhaps you own physical gold. Anyone ?
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Investment following Divorce
I’m hoping to get some advice following my divorce. I realize that I am very shaken following the trauma of the whole experience and am now making decisions that are important with low confidence and self esteem. I feel worried by the thought that I’m going to make a mistake. I have an ISA and a Sipp. I have approx 350k to…
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% to each region of the world?? Challenge
Just a hypothetical question because I'm sure I'll get the answer of "JUST USE A GLOBAL ALL WORLD CAP FUND" but if we wanted a equities global all world portfolio and there wasn't the world cap funds we have today how would you do it ? Id be keen to see if people have a bias etc or maybe you think a region of the world…
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personal finance software.
Hi looking
for recommendations please for free personal finance software. It needs to be
simple or I could struggle, it needs to be free as I don’t want to pay out
money to find I can’t get on with it. Like many on
MSE, I have loads of regular savers, bank accounts, savings accounts and
investments. It’s all very fluid and…
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Nationwide Regular saver interest
I received interest today from the Nationwide Regular Saver. It was due to be 8% but unless I am missing something I’ve been paid a fair bit less. I deposited £200 at the start of every month since I opened the account by my maths I should have earned £192 but I only received £115.51. Have I received the wrong amount or…
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Fixed rate savings: account holder deceased?
I am about to re-invest a maturing fixed-term savings ISA for my Mum who is 93. The most pragmatic option seems to be a 2 year fix, and whilst she is currently in pretty good health and will hopefully live at least another 2 years, I wonder what the situation is as regards accessing the money in the event she should die…
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Overypay mortgage or invest
Hello Me and my wife have a shared ownership mortgage with around 87k left, total is 96k. We want to move in the next 2-3 years but need to build more equity for a deposit so from January the plan is to overpay by £300 each month. Our current interest rate is 5.99 but we are due for renewal in May. The other option is to…
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Savings interest query
Hi all, I'm expecting to go over my £1000 personal savings interest allowance this year for the first time slightly by around £100-£200. I expect this to be a one off. As I understand it, I won't need to declare anything (I'm employed and tax on earnings is paid through my employer), HMRC will know how much interest I've…
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Notice of interest rate reduction on notice accounts
I've got a 95 day account with RCI Bank still paying a generous 5.6%, although not for too much longer. Their summary box says "The interest rate is variable, and we can change the rate of interest on existing accounts by giving you at least 109 days’ notice" I have a 90 day account with Oxbury which says "Oxbury can make…
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Mizrahi Tefahot Bank Ltd
I'm a new investor having recently been left some money. I see Mizrahi Tefahot Bank Ltd mentioned one MSE and via Raisin. I'm not familiar with the bank and wondered if I can really trust that its covered by the FSCS guarantee ? Does anyone have experience of this bank please and especially if accessed through Raisin?…
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email to log in
Every time i want to log in to my Marcus account, i have to keep putting my email in, is there a way i can by pass this.
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