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Investing in Ground Rents
I have come across a fund/trust which provides investment in ground rents. http://www.time-investments.com/fiaf/ This would provide good diversification for our portfolio. Over the financial crisis, this fund has never waivered. I'm struggling to see any downside, so I thought I would post here. Anybody have experience?…
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Considerable sums with HL
Hi, I would like to know what experience have other users had in investing over 100k with online platforms such as HL. Their online facility only seems to allow debit card transactions and there are limites on these with a lot of banks. How do yuo guys send the funds? Also when selling investments do HL send a cheque to…
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UTs to ISAs
I've got some UTs which I want to Bed and ISA. One is Fid SS and another is Fid SEA. Can I Bed and ISA £5k from each of these into their corresponding ISA. Or can I only buy one ISA, say Fid SS, during this tax year? Thanks.
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ISA Help please
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Paying No Tax On Post Office Bond
I have a joint bond with my wife who will shortly become a non-taxpayer. I thought that she would just need to complete an R85 to make her half of the interest tax free but it seems you cannot do that on a joint account with the post office. According to their savings guide, under the section 'how can you register as a non…
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Removal of Joint Account Holder
Looking forward at my tax situation on savings for 2013/14 my wife and I have two accounts due to mature in July 2013. As my wife does not have any income she has her full allowance available whereas if I was to incur the 50% tax on these accounts it would push me over my limits. So my question is can I remove my name from…
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Index-linked gilts vs I-L Gilt Funds?
I'm planning to retire shortly (mainly on drawdown income) and want to take some measures to insure my retirement pot against inflation. I was planning to allocate a portion to index-linked gilts, but was mulling over whether I should invest directly in them, or invest in an index-linked gilt fund. Direct investment would…
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Sobart Group Shares
Stobart Group Shares 75p each down from year high of £1.31 approx per share. Dividend Yield 9p per share Opinions on investing would be most welcome :D
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Nationwide Flexclusive- Terms and Conditions Query
I have received a letter from Nationwide a few weeks ago stating that the terms and conditions when I opened the isa in April 2012 did not reflect the advice given that transfers in were not allowed. They are allowing transfers in now and have amended the T&C which have affect from 1st of May 2013. They are willing to back…
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Confused about Gold
Hi, Sorry to start a new thread about this. I'm sitting on a bit too much cash at the moment, and with the recent hiccup in Gold, I've really started to consider putting some money in as a long term investment. I'm looking to buy quite a few Oz. Reading around, many people say that it's better to buy coins rather than…
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Invest in property fund
Hi, I had a look at the m & g real estate fund and the returns from 2008 to 2013 are in excess of 50%. My current portfolio has next to none property investments. I would like to know what you guys think about investing a property fund and your experiences of this. Thanks
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Online registration problems with Nationwide?
Evening all, The better half and myself have recently applied for a Nationwide Regular Savings account and have received our cards and pin numbers. I'm trying to register online for ease of management with this account (I think it's a pain to have to use the card at a cash machine to pay money in?) however when I try to do…
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Online Share dealing for a LTD Company
I'm interested in investing some funds from my company into shares. I'd like to be able to buy UK shares and US shares. Can anyone suggest possible companies that would offer online share dealing for my ltd company? I've found a few but often they charge maintenance charges on top of dealing charges. Cost per trade is not…
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Leeds Fail
I put together a beautiful package for the Leeds Building Society, including the application form for their Online Bonus ISA, a cheque and a couple of ISA transfer forms. They found the cheque and told me that they haven't received the rest. Despite this, one of the transfers has already gone through, so I assume they're…
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Existing shares into stocks and shares ISA
Can I put shares in a company which I hold certificates for and have held a long time in a stocks and shares ISA? If so, I presume it is worth going to minimise Capital Gains Tax?
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best way to buy physical gold descreetly
I fancy some of the above as a hedge against hyper inflation/ collapse of other asset classes. I'd want to buy small units. Small ingots / coins perhaps. Any ideas?
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Fund supermarket
I use Fidelity Fund supermarket to manage my ISAs. I've just noticed they charge 0.25% to switch funds. Also seen that Chelsea Fund supermarket offer free switches. Am I missing something? Is moving to Chelsea a no-brainer?
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Moving reasonable sum of money UK - Australia
Hi people :) I'm really hoping that someone can help me out or give some sound advice here. We currently have around £24k sitting in a bank back in the UK. We have been in Australia for over a year now and have finally decided that there is no point in it sitting over there doing nothing. What I am wondering is, what is…
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60-year investment: asset allocation thoughts?
I'm putting together a portfolio for a four-year-old child, using a pension wrapper. This means that the investment horizon will be between fifty and seventy years, which is longer than most discussions of this topic consider. I wondered whether anyone had good ideas, with reasoning, for the asset classes which such a…
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Investing a lump sum to generate an income
I have recently been made redundant as a result of health issues, this in effect has left me retired at nearly 50 as I am limited in what I can now manage so I need to find ways to generate an income from investing capital that I have inherited recently. I would have in the region of £100k to possibly £150k to invest. I…
