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Pensions & Investing

An investment – or investing – is a long way from putting your cash in a bank account where it sits to earn interest. Instead, you’re taking a risk with your money in the hope that you’ll make more than what you put in (a juicy profit), but there's the possibility you end up with less (a nasty loss). You can invest in almost anything

Actived: 6 days ago

URL: https://www.moneysavingexpert.com/investments/

Thinking of investing — MoneySavingExpert Forum

(7 days ago) As has been said above, this sounds more like trading than investing to me. It is much, much riskier. It really depends what you are after. If you want to start putting some money away every month to work towards a more financially secure future then investing, through a pension or stocks and shares ISA is for you.

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Investing for beginners — MoneySavingExpert Forum

(9 days ago) 17 July at 5:36PM. Investing is a long term game. With £10 you’re not going to transform your life. But little and often is a good strategy just try to get the little a bit bigger. Wombat looks like a good option for this level of investment, once you get to £200 look to move to a bigger platform.

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Investing for a beginner — MoneySavingExpert Forum

(Just Now) The main thing you need to decide (once you are certain that investing is correct for you) is what to invest in. It is wise to only invest money that can be tied up for quite a long time. 7-10 years is a recommended figure, but you can plan to invest for less time, but it is more risky.

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Where to start investing

(Just Now) Investing into a stocks & shares ISA is a very sensible thing to do. You need to choose a platform for your ISA, and you need to choose what investments go into it. I recommend the interactive investor platform - they are a good, reputable, low cost provider.

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Investing for the long term — MoneySavingExpert Forum

(3 days ago) Saving/investing should be slightly uncomfortable for the best long term results. I meant that it would be really beneficial to continue to make regular small contributions monthly after the initial lump sum deposit. Even if it’s just £20 a month (£5 a week), that’d be …

Category:  Invest,  Saving Go Now

Investing at 55+ for beginners — MoneySavingExpert Forum

(5 days ago) Investing at 55+ for beginners. I'm 55 with a final salary pension and hoping to retire in the next 2-3 years. I'll take the 25% tax free lump sum when my pension is available and look to invest this, with a view to drawing down on the capital over the next 25 years to supplement my pension income. So taking this investment from 100% to 0% over

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Investing for income — MoneySavingExpert Forum

(6 days ago) As your friend is looking for high returns, he is likely to be best off investing in the stock markets. The stock markets have historically returned about 7.5% per year on average over the past few decades, including both capital and income. So if he invests into a stock market tracker fund that invests in thousands of different companies

Category:  Invest,  Stock market Go Now

Investing for niece — MoneySavingExpert Forum

(5 days ago) 1) The idea of investing within in an ISA as that there is no liability at all for any capital gains or dividend tax . You do not need to declare anything on your tax return at all . 2) Yes 3) If the estate is unlikely to face an IHT bill, then any gifts made before death are not an issue in this respect.

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14 year old & investing — MoneySavingExpert Forum

(7 days ago) Investing is a lot harder than it looks when you don't have the benefit of hindsight. It's not whether you're right or wrong that's important, but how much money you make when you're right and how much you lose when you're wrong."

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VelvetFreak's Investing Adventures — MoneySavingExpert Forum

(9 days ago) On an investing note, I've received some stock dividends of around $20 into my account so I've deposited it to my Spaceship account (investing app) before it inevitably gets lost in the abyss. 3. 27 June at 4:28AM. VelvetFreak Forumite.

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How to invest — MoneySavingExpert Forum

(9 days ago) If you have other source of income, maybe you can try investing it but if your focus enough with your studies, then let it be. Just use it in your studies and everything you need from it. Save as much money as you can and try to budget everything you need. Differentiate your wants from your needs and then later on if you finish your studies

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Savings & Investments — MoneySavingExpert Forum

(7 days ago) Savings & Investments. Category List. Expand for more options. ISAs & Tax-free Savings. Most recent: ISA transfer long delay by soulsaver 2 July at 11:30PM. 2 July at 11:30PM. 142.7K posts 17K discussions.

Category:  Invest,  Saving Go Now

Investing 50k — MoneySavingExpert Forum

(9 days ago) Investing 50k. I’m looking to invest my savings to make it work for me a bit more than savings accounts will. I have around 50k. Currently 32k is in a Nationwide ISA and the rest is in a mix of my current account and various investment platforms. I’ve dipped my toes in and learnt a bit by investing a few thousand. I tried these platforms out:

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burnt out nurse and investing newbie — MoneySavingExpert Forum

(2 days ago) 1. Investing is putting your money at risk and will not be covered by the FSCS scheme. 2. You should have an emergency fund. 3. Use SIPP's & Stocks & Share ISA's where possibly. 4. Invest for 10 years or longer for the best odds of winning the investment game. 5.

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Is it worthwhile investing £10k

(6 days ago) If you're new to investing and you are looking at individual shares rather than funds you're essentially trying to sprint before you can crawl. Buying individual shares can work, with a lot of luck and a lot of micromanagement. Many experienced investors will tell you that funds are simply a much easier and safer way to invest.

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Complete beginner looking for "ABC's" of investing

(3 days ago) Harriman's New Book of Investing Rules: The Do's and Don'ts of the World's Best Investors It's a book you can pick up and put down. As each investor's contribution is concise and bitesize. Invaluable at a macro level in providing a broad and comprehensive perspective of investing. Without the normal bias shown to one particular style or another.

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Investing for a beginner

(3 days ago) Without knowing the details of your personal pension it's a little difficult to advise. Currently, you can access your pension from age 55 so from your given timescale for investing (7-10 years) you would be able to take monies from the pension after 9 years, 25% would be tax free the remaining sum would be taxable but given the governments addition contributions on any amounts you put into

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Double Money Investing — MoneySavingExpert Forum

(8 days ago) Double Money Investing. 4 July at 7:22PM edited 4 July at 7:24PM in Savings & Investments. 10 replies 476 views FrankR Forumite. 135 Posts

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Thinking of investing

(Just Now) I certainly started investing when I had less than 3 months salary in savings but I had a secure job and partner working along with low mortgage payments and good credit availability. Remember the saying: if it looks too good to be true it almost certainly is. 2. 19 January at 2:57AM.

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Newbie to Investing — MoneySavingExpert Forum

(5 days ago) 1 April at 1:35AM. There's lot's of bs out there. There are plenty of people who pretend to know it all on YouTube. My advice is to start with the "investing for beginners" section of your bank's website. There is such a section on the website of every major bank and investment firm.

Category:  Invest,  Bank Go Now

Investing for 2050 — MoneySavingExpert Forum

(4 days ago) By investing broadly, globally and blindly you will only get it wrong if the world economic system is overthrown in which case all bets are off whatever you do. 10. 22 December 2020 at 2:10PM. Sailtheworld Forumite.

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How to invest 300k — MoneySavingExpert Forum

(4 days ago) How to invest 300k. It looks as though we are going to go down the route of holding the money in a bare trust so as to protect me from future care costs in the future. Holding the money in trust will also mean me not having an ISA as my understanding is these cannot be held through trusts.

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Investing for a beginner

(3 days ago) Investing for a beginner. 15 July at 9:35AM in Savings & Investments. 24 replies 721 views

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Help! 200k to Invest! — MoneySavingExpert Forum

(5 days ago) 29 March 2017 at 11:28PM edited 30 November -1 at 1:00AM in Savings & Investments. Hello, hope someone can help Lost my Dad recently, and my Mum's got 200k to invest - Early pension payout etc. She's 56, just about to go back to Full-Time work, but will need 90k in 7 years to finish paying off the mortgage.

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Whisky Investment — MoneySavingExpert Forum

(3 days ago) You don't need to invest in a weird and wonderful whisky investment scheme to get a good return! The average return which has been generated by the stock markets over the past 10 years and over the past 50 years is about 7.5% per year. So, if you want a good return just put your money into a stock market tracker fund.

Category:  Invest,  Stock market Go Now

Investing to pay care fees — MoneySavingExpert Forum

(2 days ago) The average life expectancy for someone in a care home is under 2 years. So, investing into assets that should be held for 5-10 years is generally not considered to be suitable unless there are other justifications. Ok this makes sense, I thought as much. It sounds like cash is …

Category:  Invest Go Now

Amazon shares — MoneySavingExpert Forum

(9 days ago) Investing in individual shares is risky and required more detailed research. For a starting investor diversified, global funds are generally suggested as a more sensible starting point. You need to be prepared for your money to go down as well as up.

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£250,000 to invest — MoneySavingExpert Forum

(3 days ago) Typically for an individual with £44K it would be more like 0.8% + the fund charge . However when you come to invest the £250K , you can go to one the low cost on line financial supermarkets like Hargreaves Landsdown, interactive investor , fidelity etc .

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500K to invest, Best way

(8 days ago) Hi, I don't personally like investing as the terms make it clear that the value of your investment can go up or down! I always stick to savings and if i were you i would consider putting £30000 into premium bonds (that's the max for an individual) and split the rest between a Stropud and Swindown 1 year fixed rate savings account at 6.85% aer and a Cahoot account paying 6.25% aer (over £250k)

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Psychological (and economic) benefits of investing/saving

(4 days ago) Over a 10-15 year time period, you are almost certainly going to be better off investing through a stocks & shares ISA, rather than overpaying the mortgage. You say that you have a low tolerance for "risk". However, it is important to be clear what sort of risk we are talking about.

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Newbie to Index Tracker Investing — MoneySavingExpert Forum

(9 days ago) The risk is that if you don't know what and how long you are saving or investing for then needing to access any money tied up in investments could lead to you being forced to sell at a loss. 0. 17 April 2018 at 1:48PM. samuelodog Forumite. 7 Posts. 17 April 2018 at 1:48PM.

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Regular investing ETF with s&s ISA W — MoneySavingExpert Forum

(2 days ago) HL do have a 'regular investing' program where you contribute your money by direct debit and they only charge you £1.50 per transaction as they buy in bulk with other investors on a fixed day each month which gets you a lower cost, but it only covers about 80 popular ETFs.

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£100,000 to invest — MoneySavingExpert Forum

(3 days ago) Bar investing in bricks and mortar, what should I be doing with it? How can anyone be seriously expected to answer that when you have given no information about your goals, current situation, pension arrangements and so on?? Of course, the other answer is "Give it all to me". :rotfl: 2.

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Investing in the 'S&P500' from the UK — MoneySavingExpert

(1 days ago) I'd suggest doing some reading on simple investing strategies, read Monevator blog or one of the many good books on index investing. Personally I'd be reducing the cash down to £10k or so for an emergency fund and selling the single company share and investing in a global equity index tracker or something like vanguards lifestyle 100 fund as a

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The Best way to invest 40K — MoneySavingExpert Forum

(1 days ago) I would diversify that money. It's a big amount of money. This is how you could do it. Put a part in a savingsaccount. Put something in a low risk fund. But also put a part in a higher risk investment. But always make sure that the money you invest in a high risk investment

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Tracker 'value' investing

(9 days ago) In addition to agreeing that tracker investing is the right way to go, these books make a compelling case that *value investing* (where you buy shares that are undervalued) is much more likely to provide really good returns than *growth investing* (where you buy stocks from companies that have a good chance of really growing).

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Investment Fund need-to-knows

(7 days ago) Investing in an ISA should ALWAYS be your first port of call. If you're new to investing an ISA should be your preferred route for the first £20,000 (the current ISA limit). Most platforms will let you do this and it's a great way to reap tax benefits at the same time as investing your money.

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Martin Lewis: Should you buy Bitcoin

(9 days ago) [Technically, it's arguable whether Bitcoin is investing or just speculation – as investing usually includes the chance to generate income or accumulate, while speculation is a straight bet on the price of something. Yet that's splitting hairs, either way it is a big risk.

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£150,000 to invest, what to do

(4 days ago) Have a read of Monevator's de-accumulation articles for some ideas on investing to spend. The rest of the site has some useful info too, but remember while there is much good guidance for beginners, it is a collection of opinion pieces, and has a bias towards passive investing.

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burnt out nurse and investing newbie

(5 days ago) While Vanguard Life Strategy Fund (passive investment) Risk level 4 Ongoing charge 0.22%. Asset Allocation: Stock=40%, Bonds=60%, Total=100%. You are paying a lot higher charge for their active management. Rounding errors, short position or leverage.

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MBI and Northern Powerhouse Developments

(6 days ago) 13 September 2017 at 6:49PM edited 13 September 2017 at 6:54PM in Savings & Investments. i invested in a care home development company a couple of years ago, then known as MBI Property Investments, but now known as Northern Powerhouse Developments. I Purchased a room in an off-plan care home with the idea of a return on my investment commencing

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burnt out nurse and investing newbie

(5 days ago) The others either suggest much less diverse selective allocations to a single country, the US in most cases, or custom portfolios of different ETFs and weightings. The low cost thing is there but the diversification is not. There is index investing and then index investing with some pretty big choices.

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Taxes in the UK on investing in stocks — MoneySavingExpert

(4 days ago) When investing in stocks, if we hypothetically invested £100,000 and that £100,000 grew to £500,000 and we wanted to sell all of our shares and use the money for something unrelated to stocks. We would need to pay capital gains tax on £400,000 profit. Which is 20%. (£80,000).

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Thinking About Investing and Seeking Advice

(9 days ago) Investing to produce an income could be one route out of your Inheritance Tax issue. There is an IHT exemption that allows you give away surplus income, e.g. to your daughter, without these gifts incuring inheritance tax if you die.

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Thinking About Investing and Seeking Advice

(2 days ago) Be careful - that is a US website. Laws, consumer protection and investing environment are different in the UK. 6. 25 July at 10:09PM. wiltshiregirl69 Forumite.

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Investing £250k for growth — MoneySavingExpert Forum

(1 days ago) Investing £250k for growth. Today at 3:51PM in Savings & Investments. Hoot_2 Forumite. 1 Post. MoneySaving Newbie. Today at 3:51PM in Savings & Investments. Hello, If I may tell you a little about our situation and plans. My wife and I are looking to relocate from Surrey to Scotland. Our house is on the market so hopefully our move is imminent.

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