Savings & Investments

A question about : What do you think of my asset allocation?

Just wondering what people think of my intended ISA contribution mix:

1) 17% Fidelity Index US Fund P-Acc

2) 17% HSBC FTSE All Share Index Fund Acc C

3) 18% HSBC European Index Fund Acc C

4) 9% HSBC Japan Index Fund Acc C

5) 9% HSBC Pacific Index Fund Acc C

6) 20% Vanguard Emerging Markets Stock Index Acc

7) 10% Vanguard Global Small-Cap Index Acc

Thanks.

A question about : 5% Savings Loophole

5% Savings Loophole guide.

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A question about : (solved by private consultation off line)

Jem16 kindly redirected me here from the Cutting Taxes section.

Briefly, 1st question is :

A question about : The "Save 12k in 2015' Thread!

So, the title is pretty self explanatory, but this is the place to be in 2015
In 2015, the aim is to save Ј12k (or, any other amount if you like!) from 1st January 2015 til 31st December 2015. I know it's early, but it gives you the time to plan for how you are going to do it!

2012 thread:https://forums.moneysavingexpert.com/....php?t=3547675

A question about : Inheritance Help

I'm about to inherit c 250,000. I don't want to complain, but this is making me very anxious as I've never had much money up to now.
Could I have some feedback on the list below to see if it makes sense, or if there's anything that looks like it's a daft idea.
I can't take risks with any money as I may be around for the next 30 years going on the age all my relatives get to, plus I still have dependents at home who may go to college. I will also be in receipt of state pension in a couple of months.

A question about : HSBC Advance Save Together

HSBC for Advance account holders have released a new product called Save Together - which Account holders have received an e-mail for today.

For those who are not going to use their ISA wrappers, I can't see how it's not a free Ј120 for tying up Ј300.

Details: https://www.hsbc.co.uk/1/PA_esf-ca-a...ther_Terms.pdf

Summary:

A question about : Cavendish

I must have missed the small (or not so small?) print, but I thought Cavendish didn't have an initial advisor fee?

I've just been charged Ј49.95 :/

A question about : Offshore Investment Bonds (when, why, for whom)

I have been told by pm that it is a surprise that such a bond was advised (all those years ago) to me a non tax payer.
The sugestion is that it is only of benefit to higher rate tax payers.
An on-shore bond has some (company / corporatuion / other?) tax taken (/ used /offset) which cannot be reclaimed by a UK resident.
I am unclear why only a higher rate tax payer ? Is it not also lost to anyone who cannot reclaim it ?