Discussion
About a quarter of my pension pot is elsewhere and from 10 years of employment with an employer I have just left. I now have the flexibility to move to something that will hopefully do better than the disappointing performance of the default funds (my fault I know but the choices are so huge as to be baffling to a layman). I’m thinking cheapest provider and a Global All Cap and just leave it alone
Context, 55 in a few weeks. No plans about a retire date due to catastrophic personal circumstances of approaching 2 years ago.
Context, 55 in a few weeks. No plans about a retire date due to catastrophic personal circumstances of approaching 2 years ago.
I am about 60/40 in favour of IM Cobens, remainder is split between full house in Premium Bonds....£100 today!......and Structured Products currently sourced through Moneyworld, one in my name is in an ISA wrapper and pays me quarterly, other is in 'er indoors name and also pays quarterly.
As we both recieve a State pension, I can use 'er indoors extra £5000 'Savings Interest Allowance' via 'her' Structured Product, mine has to be within an ISA as my 'SavingsAllowance' is eaten up by my RAF pension, just leaving me the standard £1k!
I only learned about this 'Savings Interest Allowance' recently via this forum on another thread and it must be an obvious target for the incoming Labour chancellor to nobble, so if you have no other taxable income, grab it whilst you can!
As we both recieve a State pension, I can use 'er indoors extra £5000 'Savings Interest Allowance' via 'her' Structured Product, mine has to be within an ISA as my 'SavingsAllowance' is eaten up by my RAF pension, just leaving me the standard £1k!
I only learned about this 'Savings Interest Allowance' recently via this forum on another thread and it must be an obvious target for the incoming Labour chancellor to nobble, so if you have no other taxable income, grab it whilst you can!
I'm about 50/50 between Cobens and some historical in Aegon which was initially placed with the Nationwide before they split it out. I haven't decided yet whether I'm going to move anything, but that would require me to research another provider and try to pick one from them all. I may do that, if they give me reasons to, but I'm giving it time for the dust to settle before doing anything.
It does remind me that I have some in "money markets" from when one of the funds was closed that I ought to do something with, each time I intend to do something there's a reason not to but I'm sure it's not doing much good where it is.
It does remind me that I have some in "money markets" from when one of the funds was closed that I ought to do something with, each time I intend to do something there's a reason not to but I'm sure it's not doing much good where it is.
I'm 50/50 with IM Cobens and Nest (Sharia).
I know quite a few people complain about Nests performance, but the Sharia fund has so far performed well for me.
We also have a fair whack in premium bonds, not the best place, but my holding is my easy access emergency fund and one day I may win big, did win £1000 once.
Me and the Mrs had £225 between us today, we usually have something most months.
I know quite a few people complain about Nests performance, but the Sharia fund has so far performed well for me.
We also have a fair whack in premium bonds, not the best place, but my holding is my easy access emergency fund and one day I may win big, did win £1000 once.
Me and the Mrs had £225 between us today, we usually have something most months.
I have a reasonable chunk of money in a Cobens nee IM S&S ISA. I am pleased with how it has performed so far (even through some of the events of the past couple of years) and unless there is good reason I am minded to keep things as they are and potentially add further.
I am glad that I was introduced to the opportunity via PH and really appreciate the knowledge found here on the forum and the investing info that is freely shared. I do hope that the previous paused pages can be brought back in some format and we can get back reading/discussing opportunities and asking questions without concern for them being disappeared!
I am glad that I was introduced to the opportunity via PH and really appreciate the knowledge found here on the forum and the investing info that is freely shared. I do hope that the previous paused pages can be brought back in some format and we can get back reading/discussing opportunities and asking questions without concern for them being disappeared!
I have approx. 90% of my investments with Cobens at this stage. I used to have a decent cash/premium bonds buffer but that was used for a recent business investment.
Which is why I asked the Q - on the one hand, I can't find anywhere with similar service and returns, but on the other I worry I've concentrated my risk.
I guess it also depends on what the 90% represents - 4-, 5-, 6- figure sums all bring with it different worries.
Hopefully the other threads (or their successors) come back and the detractors refrain from getting them blocked/closed (like the last one).
Which is why I asked the Q - on the one hand, I can't find anywhere with similar service and returns, but on the other I worry I've concentrated my risk.
I guess it also depends on what the 90% represents - 4-, 5-, 6- figure sums all bring with it different worries.
Hopefully the other threads (or their successors) come back and the detractors refrain from getting them blocked/closed (like the last one).
I have most of my investments with IM/Cobens, it’s been a breath of fresh air to be regularly updated on here and be able to ask questions, and the performance has been exceptional compared to anything else I’ve seen.
Like others have said, I hope the mods can find a way tor it all to work on here again………..
Like others have said, I hope the mods can find a way tor it all to work on here again………..
I've seen all this going on and was on my list to dig into.
I had a small amount with IM. I see their website is now a holding page. How can I log in to access funds?
I tried to log on on Cobens but can't. All I have is a generic letter from them, with no reference number, telling me I can transfer my investments (but not telling me how I can do it).
I had a small amount with IM. I see their website is now a holding page. How can I log in to access funds?
I tried to log on on Cobens but can't. All I have is a generic letter from them, with no reference number, telling me I can transfer my investments (but not telling me how I can do it).
ILikeCake said:
I've seen all this going on and was on my list to dig into.
I had a small amount with IM. I see their website is now a holding page. How can I log in to access funds?
I tried to log on on Cobens but can't. All I have is a generic letter from them, with no reference number, telling me I can transfer my investments (but not telling me how I can do it).
https://client.intelligentmoney.com/I had a small amount with IM. I see their website is now a holding page. How can I log in to access funds?
I tried to log on on Cobens but can't. All I have is a generic letter from them, with no reference number, telling me I can transfer my investments (but not telling me how I can do it).
As it always was
ILikeCake said:
I tried to log on on Cobens but can't. All I have is a generic letter from them, with no reference number, telling me I can transfer my investments (but not telling me how I can do it).
Your client reference number is in the email you received when you opened the account, and your username and password hasn't changed. The client portal is where it used to be, as above. Exactly what does "but can't" mean? Several people on here have reported that they can log in as normal, myself included.LastPoster said:
Cheers for the link.The current IM page doesn't link to that anymore. If you click 'Private Clients' it redirects to cobens.co.uk.
I log on about once a year so didn't have it saved.
ILikeCake said:
LastPoster said:
Cheers for the link.The current IM page doesn't link to that anymore. If you click 'Private Clients' it redirects to cobens.co.uk.
I log on about once a year so didn't have it saved.
https://www.intelligentmoney.com/
Edited by tighnamara on Tuesday 2nd July 19:59
ILikeCake said:
LastPoster said:
Cheers for the link.The current IM page doesn't link to that anymore. If you click 'Private Clients' it redirects to cobens.co.uk.
I log on about once a year so didn't have it saved.
I am hoping the small withdrawal I triggered last Weds will appear by tomorrow….will be shuffling other things about if not….
Gassing Station | Finance | Top of Page | What's New | My Stuff