Ask an Expert

Even the most seasoned investors are can feel nervous. We do our best to take your questions and share opinions and ideas from our voluntary network of financial professionals.

We love that our Ask service is becoming so popular! However while we grow, please be aware that there may be a delay in our Ask Experts getting back to you, as they offer their help on a voluntary basis.

We are not regulated to give personal financial advice – we can comment generally but can’t give specific answers to detailed personal circumstances, nor suggest any individual investments. Please keep your questions generic and don’t ask us which stocks to buy or sell!

What we can do is to share a general opinion or suggest where you can go for more reading or help.

Our Experts

Got a Question?

Filters ( 0)

Clear All Filters

Your Questions Answered

Showing 4 of 190

Hi, I would like to advise my millennial kids where to invest their pot of savings (they already have an emergency fund and a pension) for buying a house in 7 to 8 years time. I thought of investing in a Vanguard Target Date Fund (or a lifestyle fund, which would allow them to select the fixed/equity ratio), with a view to perhaps encashing it 5 years before they need the money to avoid additional risk. The alternative, ie keeping the money in cash for 7 to 8 years, also seems risky and a wasted opportunity. Any thoughts or advice? Thank you, Mark

Mark Baldry | SXE | 30/06/2020 | 0

Holly Mackay's Response

I'm 50 now and hope to retire at 60. I have been paying into Vanguard Lifestrategy for a few months now. I have just 9.5 years to pay in and grow, do you think this is a long enough period to invest in or should I stick with cash if shares and bonds are likely to take a hit in a few years?

Richard | Hull | 25/06/2020 | 41

  • Online Investment Platforms
  • Funds
  • Pension
Holly Mackay's Response

Is it better to invest with lower fees & no exit charges, or pay higher charges & have no exit fees?

Andy | Hampshire | 20/04/2020 | 5

  • Private Pension
Holly Mackay's Response

With China's economy emerging from COVID-19, is now a good time to invest into China? What funds with equities that have a China focus are out there on the market?

Tariq | Lancashire | 09/04/2020 | 5

  • Funds
  • Funds - Global Shares
Holly Mackay's Response
Load Articles Spinner

Got a question? Ask our experts

Ask Our Experts

Sign up for Holly's blog

Stay up to date

Our free weekly blog with Holly's
no-nonsense opinions, tips & food for thought.
If you change your mind, you can unsubscribe at any time. We'll never share your details and you can unsubscribe any time.