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Help with Junior ISA
Hi I recently opened a Junior ISA for my son with Alliance Trust and have since realised that this was a mistake. The plan is to invest a small amount of money on a regular basis. The issue with the Alliance Trust one is that each time we put money in it just sits in a cash account until I invest it. I then have to pay £12…
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Can a soft-closed or hard-closed fund be moved into an ISA?
Hi there, Must admit I'm confused about the precise definition of the terms "soft-closed" and "hard-closed". I'm thinking about Cazenova UK Small Companies fund which ?soft-closes/?hard-closes on 22nd January. If I have this fund in my unwrapped S&S fund would I be able to move it into my ISA at a future date? Are there…
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Classic with Vantage and Easy Saver
Good morning, excuse me if I will repeat a question already answered in the Forum, but I have seen that the date for the answer is very old (2011), so I think something could be changed in the meantime. I have a Classic with Vantage account with Lloyd Bank. I actually don't understand what could be the advantage of moving…
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Questions on fund charges - Fidelity ISA
Apologies if these are obvious questions, but I'm becoming increasingly confused by all the post-RDR changes. I have a single stocks & shares ISA fund currently worth around 14k. I've been investing just around a few hundred per month over the last 3 or 4 tax years. The ISA is with Fidelity & I invest in the following HSBC…
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Is transparency of fund costs a good thing?
The true cost of holding funds is now being exposed and is a little frightening. We are probably back to a cost level that we endured from the stockbroker before fund platforms came into our lives, certainly dealing and churning costs mounted up heavily and from what I remember were very similar to the amount of costs we…
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BLME query
Have just been reading their website and they certainly seem to be offering the best rate for a two year fixed bond. However, I don't really understand what they mean by "anticipated profit":o Does this mean there is a chance that you may not get the advertised percentage? Would be very grateful for some clarification on…
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capital gains tax on share sales if under basic rate threshold
My income is below the basic rate tax allowance. I want to sell some shares which will give me a profit above the £10,900 CGT allowance. What rate of CGT would have to pay? Thanks!
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Junior ISA - part cash, part stock
Hi Guys, I want to open up a Junior ISA fund for my daughter. I want to invest £100 a month, and would ideally like to invest £50 a month into a junior cash ISA for a bit of security and £50 into a "medium-risk" stocks&shares junior ISA. Could I put £50 a month into a 6% Halifax junior ISA (I understand I have to open an…
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Monthly ETF
I am investing £250 per month into the Vanguard FTSE 100 ETF (VUKE) via halifax regular sharebuilder. I have only £750 invested so far but will continue to drip feed £250 per month. Should I just keep building up my overall contributions into this ETF or should I consider opening up another ETF with another low TER such as…
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share prices?
could someone please help me to work out how much some shares are worth? my sil is debating on whether or not to get some cosmetic surgery done which is going to cost ball park figure of 16,000. she is trying to free up some money she has in various places one of which being shares. neither of us know whether it is…
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Hargreaves Landsdown's 500% increase in charges
Hi I currently hold £30K of SWIP FTSE All Share Index (SWIP Foundation Growth) Class B GBP Income with Hargreaves Lansdown. My current charges are 0.09% fund managers charge and a £24 per year platform charge to HL. I've just received a letter from HL saying that the platform charge is going to be replaced with a 0.45%…
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Regular Saver Actual (Not Headline) Interest Rate
I'm sure someone posted it before but I can't find it on the forum search. Can someone advise of the formula to calculate the annualised interest rate of a regular saver. The specific account I'm looking at is the First Direct Regular Saver @ 6% on contributions of £300 per month. Thanks in anticipation.
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How to sell shares?
I have some standard life shares which were given to me when they floated on the stock market and I am looking to sell these to put the money towards my wedding fund. My question is - how do I sell these?? Thanks Michelle
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No Capital Gains Allowance
I heard on MoneyBox Live yesterday that the £10,900 capital gains tax allowance may not be applicable to someone who has no other source of income other than share trading. Can anyone confirm this and / or point me in the direction of the HMRC rules?
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Leaving HL without transfer charges
In another discussion here James suggested that a new thread be started to discuss and gather info with a view to persuading HL to allow free transfers to another platform for customers who have been significantly disadvantaged by the change of fee structure. If HL fail to play ball then an application to the Financial…
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2014 - 2015 isa %
So time is starting to run out quickly! who has filled this years £5760 and what do we think interest rates will be for next year?
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Can Grandparents open child savings account without parent present?
Hi guys, I am from the UK but now live abroad, my parents are visiting us on holiday and have decided they would like to open a child savings account for our 2 year old son when they go back. The account they want to open and start off with is the Halifax Regular Saver at 6%. Having looked at the Halifax website for what…
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Transferring funds that are ex-div
Can someone tell me what happens to the dividend if I transfer my S&S Isa to a new platform and one or more of the funds is ex-dividend on the day of transfer?
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4K to put away...
Hi all, just looking at my santander esaver...4K in it, 1.30 interest! Surely I can do better? Is ISA the best (only?) option?
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Child savings in adult accounts. Any pitfalls?
Have been saving £100 per month for our daughter in a Halifax child's regular saver (6% AER) which matures tomorrow. In previous years I've trekked into town (only Halifax branch for 40 miles) to withdraw the funds to put into another of DD's accounts and the regualar saver has continued. They seem to have changed the way…
