Intelligent Money - your investment questions answered
Discussion
Jasey_ said:
Yeah the timing of fund movements needs looking at.
There's usually a point where funds appear to dissappear but then reappear the following day.
Maybe have a funds in transition amount somewhere
.
I agree.There's usually a point where funds appear to dissappear but then reappear the following day.
Maybe have a funds in transition amount somewhere
.Edited by Jasey_ on Saturday 27th February 11:41
Enjoy the rugby mate!
pingu393 said:
Why have I only received an email about my GIA account, when I have PHR in all three?
Because you are an penguin!My guess is that the Opps team only send one email per client about these sell downs, not one per account. I only hold PHR in my GIA, but I will check into this for you on Monday.
Coops - could you look into this too please.
JulianPH said:
pingu393 said:
Why have I only received an email about my GIA account, when I have PHR in all three?
Because you are an penguin!My guess is that the Opps team only send one email per client about these sell downs, not one per account. I only hold PHR in my GIA, but I will check into this for you on Monday.
Coops - could you look into this too please.
Mrs dingg got two emails one for her gia and one for her isa.
Hth
dingg said:
JulianPH said:
pingu393 said:
Why have I only received an email about my GIA account, when I have PHR in all three?
Because you are an penguin!My guess is that the Opps team only send one email per client about these sell downs, not one per account. I only hold PHR in my GIA, but I will check into this for you on Monday.
Coops - could you look into this too please.
Mrs dingg got two emails one for her gia and one for her isa.
Hth
JulianPH said:
Morning mate
The remaining stocks in PHR are only there because they still have some way to go. PHE is also, as you say, at a bit of a discount (though the dollar is now rising against the pound).
Just give me a bell if you would like a chat over this and it is great to see the Porsche coming along so well (for anyone not aware Steve and I have partnered up to launch IM Racing: https://www.pistonheads.com/gassing/topic.asp?h=0&... or https://www.instagram.com/intelligentmoneyracing/ )
Hi JulianThe remaining stocks in PHR are only there because they still have some way to go. PHE is also, as you say, at a bit of a discount (though the dollar is now rising against the pound).
Just give me a bell if you would like a chat over this and it is great to see the Porsche coming along so well (for anyone not aware Steve and I have partnered up to launch IM Racing: https://www.pistonheads.com/gassing/topic.asp?h=0&... or https://www.instagram.com/intelligentmoneyracing/ )
Interesting points thanks, I guess because I was in at the start with PHE I noww consider it expensive because of the gains it’s made
but that doesn’t mean there’s not more good stuff to come. Car is progressing nicely, if anyone happens to own a private race track where I can, errrrr, self isolate for a day I’d love to actually drive it!!
So I'm not sure if this is the right thread to ask - if not please tell me and I'll delete my post.
Thanks to a share scheme that I've been a member of for a while coming to an end, I'm about to have approx £10k to invest.
Now normally I would simply talk to the chap who runs my pensions and my current investments, but I'm feeling less than enthused by him of late (I've been with him since he started and he's now got clients with net worth many multiples of mine that I think occupy more of his time)
So I've been thinking that I should invest it somewhere else.
I could just put it in an ISA (I don't have any of those) but I wonder if there's a chance for better returns elsewhere?
Thanks to a share scheme that I've been a member of for a while coming to an end, I'm about to have approx £10k to invest.
Now normally I would simply talk to the chap who runs my pensions and my current investments, but I'm feeling less than enthused by him of late (I've been with him since he started and he's now got clients with net worth many multiples of mine that I think occupy more of his time)
So I've been thinking that I should invest it somewhere else.
I could just put it in an ISA (I don't have any of those) but I wonder if there's a chance for better returns elsewhere?
K50 DEL said:
I could just put it in an ISA (I don't have any of those) but I wonder if there's a chance for better returns elsewhere?
You can have all sorts of things in a (stocks and shares) ISA, as dull or as lively as you like - so you may as well use half of your current annual allowance of £20K.Another one makes a break for freedom
K50 DEL said:
So I'm not sure if this is the right thread to ask - if not please tell me and I'll delete my post.
Thanks to a share scheme that I've been a member of for a while coming to an end, I'm about to have approx £10k to invest.
Now normally I would simply talk to the chap who runs my pensions and my current investments, but I'm feeling less than enthused by him of late (I've been with him since he started and he's now got clients with net worth many multiples of mine that I think occupy more of his time)
So I've been thinking that I should invest it somewhere else.
I could just put it in an ISA (I don't have any of those) but I wonder if there's a chance for better returns elsewhere?
Morning DelThanks to a share scheme that I've been a member of for a while coming to an end, I'm about to have approx £10k to invest.
Now normally I would simply talk to the chap who runs my pensions and my current investments, but I'm feeling less than enthused by him of late (I've been with him since he started and he's now got clients with net worth many multiples of mine that I think occupy more of his time)
So I've been thinking that I should invest it somewhere else.
I could just put it in an ISA (I don't have any of those) but I wonder if there's a chance for better returns elsewhere?
There are many options open to you and the most popular ones are:
1) Use and ISA. This allows you to invest in many different things and the 'ISA' part simply means everything is tax tree.
2) Put in your pension/SIPP whereby you you will get full income tax relief and everything is still tax free. 75% t is taxable at your marginal rate(s) on the way out (25% is currently tax free) and you are locked in until 10 years before the state retirement age (which some see as a good thing and others do not).
3) Keep the money aside as an 'emergancy' cash fund.
4) Over pay and mortgage to reduce the interest costs and the repayment term.
We hear all the time about IFAs losing interest in clients as the attract high net worth ones and, by the way, they don't run your pension and investments (though many prentend they do), they recommend companies like us (and many others, of course) who actually provide this and then they charge you huge fees for doing so.
I would seriously question why they have not advised you to move your taxable investments into a tax free ISA (the investments can remain the same.
I hope that has been a helpful starting point, please feel free to PM me or contact Nik (nik.burrows@intelligentmoney.com) if you would like to chat over these things and other options.
Cheers
Julian
.Potential fiveraday escapee here, finally given up on any decent returns on the Parmenion platform.
I've got a decent lump sum in a crap savings scheme and have maxed out my S&S ISA for this year (and will do next year then date ticks over). I want something a bit more interesting, the emergency fund and pension is sorted. Where do I start? :-)
I've got a decent lump sum in a crap savings scheme and have maxed out my S&S ISA for this year (and will do next year then date ticks over). I want something a bit more interesting, the emergency fund and pension is sorted. Where do I start? :-)
toastyhamster said:
Potential fiveraday escapee here, finally given up on any decent returns on the Parmenion platform.
I've got a decent lump sum in a crap savings scheme and have maxed out my S&S ISA for this year (and will do next year then date ticks over). I want something a bit more interesting, the emergency fund and pension is sorted. Where do I start? :-)
Just give me a PM or get in touch with Nik (nik.birrows@intelligentmoney.com) and we can talk you through the different options open to you.I've got a decent lump sum in a crap savings scheme and have maxed out my S&S ISA for this year (and will do next year then date ticks over). I want something a bit more interesting, the emergency fund and pension is sorted. Where do I start? :-)
Parmenion does indeed seem to be going through a bad time since it was sold and I have no idea why fiveraday has done what it has, given everything is run through Parmenion anyway.
It is a shame, as the concept was good.
We are always here to have a chat, provide information, guidance, financial planning and tax planning, we just don't(on purpose) provide advice (which is basically to say we don't try to sell you anything, just make you well informed to make your own choices)
Enjoy the rest of your weekend!
Cheers
Julian
Edited for a stupid typo!
Edited by JulianPH on Monday 1st March 08:40
Bear-n said:
Basic question alert. If I only joined mid-Jan in a PHE/PHR ISA, should I be expecting an email & some cash? Thanks.
If you have money in PHR then yes.The PHR fund had WHSmith shares in it. They've been sold, therefore you will receive cash for that portion of your investment in the fund.
That would be the case whenever you invested in PHR prior to the WHS shares being sold.
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