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I want to invest £10,000. I cannot see on your website how to do this. Please explain.
Clive |
Carmarthenshire |
29/04/2019 |
0
Phoebe Smith's Response
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I've been reading about Beaufort Securities, and how they potentially didn't ring-fence investor money properly. What is the best way to avoid this happening to my money?
Jenny |
Greater Manchester |
29/04/2019 |
4
- Stocks and Shares ISA
- GIA
- Other
Anna Sofat's Response
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We have £100,000 in Premium Bonds to invest. We need it as serious illness has changed our lives completely. We have been advised to invest in a Capital Investment Bond, but fees seem high to me - 0.3% and 1.7% management and on-going advice. I'm considering Wealthify or other online funds. Can you help?
Melanie |
London |
25/03/2019 |
3
- Online Investment Platforms
- Other
Holly Mackay's Response
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I am 25 years old and just starting to manage my money like an adult! I attended university from 2012-2015, and as such I have a full student loan on repayment plan 2. The value of my loan at present is £43k, and at the current rates of interest, I pay back less than the interest each month. Having undertaken some cash flow analysis, I know I will be one who repays their loan in full and estimate it will take 15-18 years to fully pay back. Over this period I am likely to incur over £30k of interest. If I could pay the loan off in full, is that worth doing? Or is that £43k better put to work elsewhere in investments?
Tom |
London |
15/03/2019 |
0
Pete Matthew's Response
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I've been reading recently about how investment trusts are much the same as funds, but are cheaper to own. A: Is this true? and B: Do you have an article on Investment trusts on your site?
Nick |
Surrey |
16/01/2019 |
11
Phoebe Smith's Response
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I'm the sole carer for my chronically ill and elderly mum, as well as a full-time police officer. I have no other family apart from her. Due to mum's condition, and the fact that I'm exhausted performing both roles, the only option is to go part-time, as mum won't accept help from anyone else. To allow me to go part-time, I will need about £25,000 until March 2020 when I will be retiring. I’m confident of getting another job shortly thereafter. In January 2021, I will receive a commutation lump sum of about £50,000. I have a sizeable fund portfolio under an ISA wrapper with Hargreaves Lansdown. That is doing very well, so I don't really want to sell any of these funds and 'lend myself money' from that. My ideal funding solution would be a bond-type IOU agreement, where 'someone' lends me the money. Are you aware of a peer-to-peer site that could assist? Thanks
Dave |
Hertfordshire |
27/11/2018 |
1
- Stocks and Shares ISA
- Online Investment Platforms
- Other
Holly Mackay's Response
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Do you have any recommendations for books that I can buy my 18 year old daughter for Xmas on the subject of pensions and investments so she can start to understand the subjects? She's young I know but I would like to get her started. Many thanks!
Nicki |
Devon |
15/11/2018 |
2
- Robo Adviser
- Online Investment Platforms
- Other
Catherine Morgan's Response
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I am 25 and starting to seriously financially plan out my future. I would really welcome a 'sense check' on my thinking as well as some help on which investment choices to make. My goals are: To invest for 15 years - my risk appetite is very high (i.e. I could afford to lose all my money). Goal 1 - More Important: To have an investment pot of £1,500,000. Goal 2 - Less Important: To be mortgage free. My plan is: 1) Open an annual Stocks and Shares ISA each of the next 15 years. 2) Open Share trading/dealing account. 3) Reduce my mortgage term to 6 years by 2025. I appreciate the above is a lot to go though, but I'd welcome any help and guidance.
Mo |
London |
15/10/2018 |
5
- Stocks and Shares ISA
- Shares
- Online Investment Platforms
- Funds
- Other
Holly Mackay's Response
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Can I use the Help to Buy scheme to buy a house in Jamaica?
Kind regards, Kishana
Kishana |
London |
11/09/2018 |
1
- Lifetime ISA
- Other
- Mortgage
Phoebe Smith's Response
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My wife and I have recently separated. The equity in the house is going to be split 50/50. We don't have any other meaningful assets. We have agreed to co-parent the children equally. My wife is requesting that I pay child maintenance, child care and school expenses. A CMS document states that shared child care results in no child maintenance payments. However, I do agree with the child care and school expenses payments. Our daughter has Autism Spectrum Disorder, so my wife gets a Disability Living Allowance for her and also works full time. If I don't pay the child maintenance, child care and school expenses, my wife is threatening to claim spousal maintenance, and take half my pension. Should I pay the £350/month or take my chances in court?
D |
Lincolnshire |
03/09/2018 |
1
Catherine Morgan's Response
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How can I pimp my credit score?
Sonia |
Greater London |
09/08/2018 |
2
Holly Mackay's Response
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Could you be kind enough to let me know what would be the best instant access savings account for me.?I would like any interest to be paid to me monthly. Thank you
Roy |
Lancashire |
17/12/2017 |
2
Cherry Reynard's Response
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How do I start investing, buy stocks, bitcoin, etc with £100?
Claudette |
Bedfordshire |
18/11/2017 |
1
Holly Mackay's Response
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Is getting more money on a Mortgage a good way to raise some cash? I have a tiny tiny mortgage on a London property and could do with £50k to spend on other stuff. Would I be better to get the money by remortgaging or borrowing?
Louise |
Greater London |
07/09/2017 |
1
Holly Mackay's Response
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Could you be kind enough to let me know what would be the best instant access savings account for me? I would like any interest to be paid to me monthly. Thank you
Anon |
UK |
29/05/2018 |
0
Holly Mackay's Response
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What is the Help to Buy ISA and how does it work?
Dylan |
Greater London |
07/09/2017 |
0
- Lifetime ISA
- Other
- Mortgage
Holly Mackay's Response
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What is a credit score and why do I need it?
Cameron |
Greater London |
06/09/2017 |
1
Holly Mackay's Response
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How much does it cost to make a will?
Sedef |
Greater London |
06/09/2017 |
1
Holly Mackay's Response