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ISAs  |  Investments
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Nick London Tired Parents

I’ve been putting my monthly savings into a fund (Vanguard LifeStrategy 80% Equity) that has most of its assets (apx 75%) in international equities. Given the £’s collapse in recent months, am I getting less for my money and should I wait for the £ to recover before investing more, or is this a glaringly stupid question? Thanks, Nick

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Emily London Tired Parents
Confused

What is the difference between Independent Financial Advisers and Chartered Financial Advisers?

General Meltdown
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Is Sterling likely to weaken further in light of Brexit uncertainty?

ISAs  |  Cash savings  |  School fees
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Emily London Tired Parents

How much should I budget for providing for a newborn baby’s needs?

Insurance
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How much should I insure my life for?

ISAs  |  Cash savings  |  Investments
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Rebeccah Tired Parents

Where can I get a good Junior ISA?

Saving for a property  |  Pensions  |  Investments
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Byron Tired Parents
Confused

How can I find a good financial adviser?

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The very lovely Cherry Reynard has been a financial journalist since 2000, after an ill-fated spell as a (bad) tax accountant. She has written for a wide range of titles including the Financial Times, Telegraph,…full bio

Expertise: School fees, General Meltdown
Ladies Losing Out, Tired Parents
This isn’t full-fat regulated capital ‘A’ advice, folks.

Although our Money Owls are pretty smart birds, this site is not regulated and we cannot give you personal, regulated financial advice. This is important because it means that you’re not able to come back for compensation if you act based on what you learn here. Let’s draw an analogy with health. We’re a bit like a magazine, or NHS Online. We hope we’ll give you useful, helpful advice. But it’s little ‘a’ advice, not full-fat regulated Advice. We don’t know your full medical history. Or what tablets are in your handbag. Or if you broke your knee in your 20s. We’re not surgeons who you pay to give you tailored, personal advice. If you want that then have a look at a financial adviser – here’s how to find a good ‘un.

Important stuff!

Holly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice, nor are we regulated by the industry watchdog (although we do talk to them a lot). For every story on this site about a good investment, or something which went up by 10% or made someone £200, we could share a story about a bad investment, something which fell by 10% or lost someone £200. Nothing’s certain when investing so if you’re really unsure, or dealing with complicated stuff like working out what to do with a pension when you retire, we’d really suggest you get some financial advice. Here are some tips on  how to pick a good financial adviser. Or check out Unbiased or VouchedFor. Just remember, commission has been banned now so advisers need to be very clear with you about what you are paying them and when.