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Any advice for two young people trying to get themselves a home? My girlfriend and I are saving for a house together. Currently house prices in our area are a ridiculous £300k. The max we can get from banks is about £220k, meaning somehow saving up a whopping £80k deposit. This would take us about 8 years (and house prices are increasing faster than we're saving!) That's not to mention solicitors fees, stamp duty, the cost of moving, furnishing the house, white goods, and any repairs or renovations. It all just seems impossible!!

Joe | Buckinghamshire | 23/08/2018 | 0

  • Stocks and Shares ISA
  • Lifetime ISA
  • Cash
Kate Fitzpatrick's Response

Can you advise me on the best approach when looking to invest in a product that offers compound interest? I’m thinking about funds rather than bank accounts. I also have 4 different pensions on the go. Should I keep them separate to diversify the risk? Or consolidate them? How will these pensions be treated when I retire? Will they be considered in aggregate by the tax man?

Craig | Clackmannanshire | 16/08/2018 | 1

  • Private Pension
  • Online Investment Platforms
  • Funds
Helena Wardle's Response

I have about two thirds of my ISA in funds with Charles Stanley Direct and about one third left with St James's Place. I was planning to transfer the remaining one third to Charles Stanley Direct. However the recent platform price increases seem to put me in the worst position possible. I also have a private St James's Place pension. Would I be correct in thinking the fees are also high on this, and I could do better elsewhere? Can I transfer into an SIPP for example?

Gerry | Bedfordshire | 15/08/2018 | 4

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

I invested my money in a St James's Place managed fund, split into ISAs and bonds, after advice from an adviser who was a St James's Place partner. My investments have done reasonably well, but I've read disturbing reports about St James's Place. Should I have concerns? Should I have found an independent financial adviser?

Glyn | Essex | 09/08/2018 | 6

  • Funds
Holly Mackay's Response
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