Investment & Investing

Wife and I are looking for an IFA for advice on investments, pensions and tax returns.

Any forum person or recommendations?

don't all pensions get registered under your national insurance number, via paye

surely hmrc could organise a search under NI no.

I'm looking for someone to give us advice on how much to invest, put into pension etc.

Also, we've recently both hit milestones in salary that we must both complete self assessment tax returns each year... Want to know more about what's required etc.

Want to know more about what's required etc

You can pay someone to do it like an accountant or you can do it yourself.

Either way, you'll be responsible for it and accountable for what you are telling them.

Unless you have exotic investments, i.e. property, shit load of bitcoins etc then it's unlikely an accountant would add much to the mechanics of it. An IFA would try to wrap your investments in tax free wrappers too so you might find there's little income thats taxable beyond your salary.

The latest FT Money podcast may be of interest to you: "FT Money digital editor Lucy Warwick-Ching and guests discuss when people should pay for advice and how best to get it. The show delves into the different levels of advice available and how to choose the adviser best suited to you."

https://www.ft.com/content/3b5e659a-9b09-4189-81a3-b54e6408b6cf

anyone hearing anything about sky in the chat rooms
they are spending a shit ton on advertising every channel everywhere and are selling off bits of their organisation

are they in trouble or just the start of a new financial year and doing some housekeeping ?

Sky have been the subject of takeover bids from Fox and now Disney. I expect the current activity is in reaction.

Meant to be a reply to @dicki

Anyone care to share that has used DEGIRO for their S&P 500 ETF?

I finally started a pension (sort of). Got the account 'wrapper' thingie but no idea what to actually invest in. Anyone got any decent starting points? Looking for boring funds not making millions off single-company shares if you know what I mean?

Put it all in Tesco. What could possibly go wrong?

Not a fund and I don't like Tesco.

It was a joke, based on current consolidations in the supermarket sector threatening to make Tesco an irrelevance.

Yeah, I assumed there was more to it but unless it's on cyclingnews it's not news ;)

Something about Sainos and Asda joining?

This should be right up your street /

Removing cars from roads AND flamethrowers?! Where do I sign?!

Oh, love me a good tunnel boring machine

Any of the HSBC index trackers.

Cheap as chips (0.07%) and outperform everything over multi-year horizon.

Mmm chips...

#thanks

Sure it's been asked, but:
£25 a month into a kids savings account.
What's the best thing?
Crack, Bitcoin,ISA, savings account, ?

All depends on your required level of risk...

If you want plain and boring, Halifax do a regular saver that pays 4.5% https://www.halifax.co.uk/savings/accounts/kids/kids-monthly-saver/

I'm broke.
I don't want them to be.
If I save £300 over the course of a year, I'd like it to be there at the least and at the most I'd like £alllthecash.

required level of risk...

For a child's account that would be well massive.

VEGAS!

In Oz we used to use high interest rate savings accounts. Term Deposits.
They'd pay double/triple the normal bank rate if you kept the money untouched for 12-24 months. I don't know if they exist here and if they did they might be shit because the interest rate is so low.

https://www.moneysavingexpert.com/savings/savings-accounts-best-interest

Easy-access savings: allows withdrawals

Bank of Cyprus UK – 1.32%
Paragon Bank – 1.31%
Shawbrook Bank – 1.3%

Savings via your bank account

Nationwide – 5% up to £2,500 for 12mths
Tesco Bank – 3% up to £3,000

Fixed-rate bonds: must lock cash away

Atom Bank – 1.95% for 1 year
Secure Trust Bank – 2.12% for 2 years
Atom Bank – 2.25% for 3 years
Vanquis Bank – 2.7% for 5 years

https://www.moneysavingexpert.com/savings/child-savings-tax-free

Nationwide/Halifax here I come....