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Buying US shares, in US Dollars
I am fortunate enough to be holding funds, in US dollars, in a Transferwise account. These are proceeds of a prevoius company share scheme. i want to re-invest in the US, esp as the rate is against me. Can you please suggest a broker that will settle in US dollars, as most UK ones insist on converting to sterling. Thanks.
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CGT hit on selling employee shares
Hi all, I used to work for an American software company between 2004 and 2013 during which time I was received stock options (20% yearly vest). The total value of the shares today is under £50k and I am looking to sell the whole lot if I can. However, I am confused over CGT applicability and would be grateful for some…
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Pay in to S&S ISA or pension this tax year?
I will be 55 next month. I have a pension pot of £525k and a S&S ISA of £4k. I have £20k to invest this tax year and will have a lump sum of around £60k to invest next tax year. I am able to invest the £20k in either my pension or S&S ISA or a mix of both this tax year without exceeding limits/allowances. Next tax year I…
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Ethical ISAs with FSCS protection
I am looking for an recommendations on ethical ISAs with FSCS protection. As a family we are trying to invest responsibly for our children's futures. It seems a lot of ethical ISAs are more lip service with companies like HSBC (still investing in oil) and Amazon (wage & tax issues) being featured. I did like the look of…
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What to do with inheritance
My children have inherited some money from my father. My eldest daughter has a help to buy ISA but as she is studying languages she wishes to live and work in Spain when she finishes her degree (2 years time). What should she do with her money? Stocks and shares portfolios seem a bit risky at the moment given world events.…
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Tesco save as you earn
Hi my save as you earn matures on the 1st feb and I'm not sure whether to buy and keep or buy and sell the shares as tesco are doing a consoladation and paying out 0.5093 per share. But are also reducing the amount of shares owned which will be the best way to go I'm so confused on this consolidation
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Buying company shares for a friend?
Hello, my friend has asked if he could buy into some of my shares with my company. Meaning he gives me £30 per month to put into it and they match £60. So 1 share is roughly £30 so 3 shares for £30! This a very generous company benefit. I usually put in £30 per month and the allowed amount is £60 so he would be taking my…
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Alternatives to VLS 60/80
I'm wanting to put £20K in a S&S ISA for this tax year and another £20K in April. Looking at the VLS60 or 80, or are there better alternatives? This is my first S&S investment and I'd say my appetite for risk was medium.
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Best place to temporarily store proceeds of a house sale
Hello. We are selling our house, and after mortgage redemption will end up with about £600k. We aim to spend the money on a new house within 6 months, where is the best place to safely store it? I pay tax at 40% and my wife pays 25% if that makes any difference. We would like like to make money out of it, but are very risk…
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SAS ISA - Investment Advice
Hi All, I’m 22y/o - no lingering debts (so far!) & have an emergency fund to survive off if need be - Recently I have opened up a Vanguard S&S ISA & was going to start putting in about £100 p/m & any other spare income I have into the FTSE global all cap index & will likely just leave that until 5/10 years time , Just…
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Alternative to income bonds ?
Hi, just wondering what alternative there is for a pay monthly account like income bonds with ns&i, now they are paying nothing, I’ve looked at a few savings accounts but it’s a minefield. Thanks
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Investing platform, stock market broker
Hi guys,I've been researching for a while now but I'm struggling to find good information. I'm looking for two investing platforms(brokers)from the UK, to do different operations: -One to open an ISA and investment ACC with a considerable amount (50k aprox) for a long time(set it and leave it, maybe ) I want…
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Tax Advice for housewife
I have no paid employment (nor do I claim benefits) so how much can I earn in savings interest and dividend interest before I pay tax?
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Fixed income portfolio
Hello, I would like to know if any of the contributors to this board have a portfolio of bonds / other financial instrument which provides them with a semi secuie fixed income of 3% or a bit more. What is your portfolio and what instrument do you use? Regards,
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Investment ideas
Dear all, Currently looking to put around 10K into my investment
portfolio, and not sure where to put it. Not looking for instructions on what
to do with this, but perhaps some pointers, based on the current portfolio
profile (as below) c £100k current % allocation VLS60 31 VLS80 20 HSBC Global Strategy Balanced 20 L&G…
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Woodford Concerns
Hi guys, Like most people invested in the Woodford Equity income it is very depressing and worrying. I have around 50k invested and have obviously lost on this due to his poor performance recently. I don't need access to the money so am happy to hold and wait until Brexit is done and for the UK to pick up. My concern and…
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OpenMoney S&S ISA advice
Hello, I opened up a Stocks and Shares ISA with OpenMoney last year during the lockdown. I have reasonable amount in and am putting £200 in monthly and any extra savings for the month. I opened the account with OpenMoney rather hastily when I was trying to organise my finances and wonder with OpenMoney is the best to use.…
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Inherited trust fund options?
When my mother passed away in 2018 she left me a trust fund which I now hold as sole trustee. With all that has gone on in the past year it has been mostly left on the back burner, but now that we are looking at moving/buying a new house, I may need that money - I'm not entirely sure yet. My first question is this: If I…
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Where to put my money
I am about to complete the sale of my home and am moving to rented accomodation for a year to sort myself out. I will therefore have a large amount of cash for a while and have no idea what to do with it ! I am 69 and a taxpayer. Sensible answers only please and no marriage proposals !
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Closing NS&I Income Bond account
I am in the process of moving my cash out of NSI IB. Does the account automatically close when all the funds are withdrawn? If not, can anyone advise on the closure process? Thanks