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CGT when selling Standard Life shares
I have some shares in Standard Life from when they were demutualised. They are currently worth about £3400 and I'm thinking of selling them. They are I'm a basic rate taxpayer and don't currently fill out a self-assessment tax return. The shares account is accessed via standardlifeshareportal.com. Do I need to do anything…
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Employee sharesave question
Hello guys, I have a Sharesave scheme which is due to mature in August 2014. As it stands today the shares are worth 6 times the option price. I am young and plan to use the money to buy my first house. I am trying to establish what is the maximum amount I can get into my pocket before Capital Gains Tax. According to my…
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Friends Life Pension - Lifestyling
I have a pension with Friends Life. On checking my statement I discovered they had started Lifestyling me (moving my money from one fund to another in the last few years to reduce risk) a year early and despite my having told them of the error when they wrote to me earlier in the year. I wonder if this has happened to…
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Why has a Nationwide adviser recommended these?
My sister against all my advice uses the Nationwide as a financial adviser. It makes sense for her to invest in Stocks and Shares Isas - that I don't dispute. They charge her 3% up front for their advice - I've told her that she could do better but if she's happy.... Ido though try to fathom out their choice of funds…
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Pay HSBC, an IFA or track my skandia CRA?
I have about £50,000 that I want to lock away as ISAs, as well as the same again with HSBC Global investment centre ISAs and a collective retirement account pension with skandia with 20 funds that gets reviewed every 6 months...I am happy with the performance of all these funds. With the £50,000 I will want to invest, I am…
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Stock market traditional seasonal rise?
A friend of mine, whom I have not thought to be a financial expert, has said that he's noticed that the stock market tends to rise after Christmas and then fall again around the beginning of February. Is this the case? Many thanks, Laurence
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Savings Ideas along with a pension... kinda pension anyways!
Hello Everyone, I hope you all enjoyed Christmas and the new year! Over the Christmas period i had an idea for a savings plan that i could use in the future to benefit me and my future family (hopefully)! I wanted to show you all to get another opinion on my idea. Well i am a 24 year old male, full time employment, almost…
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NS&I Index Linked National Savings Certificates Roll-over Changes
We have just received our 'roll-over' info for Index Linked Saving Certificates maturing in February. There are quite a few changes and one of them is that they are offering only 0.5%+RPI on 3 years and 5 years with no increase for 5 years as before. We are trying to decide whether, in the current low interest climate and…
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BMC2013 - Spam Private Message
Hi All, Just a warning I've recieved a spam / phishing pm from a user called BMC2013 - I'm sure I wont be the only one. I've reported the message and encourage others to do so to get this user blocked before someone is daft enough to send them any bank or card details. Message as follows; "Hi I have read that you lend to…
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Finding a good IFA
Hi, any suggestions please on sites / places to find a good IFA (I live in Bournemouth) - any things to watch out for? I prefer face-to-face dealings initially.
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investing in shares and stock Isas
hi, Guys i have some money in premium bonds and about £12,000 in a cash isa with first direct which is paying me peanuts in interest i am thinking of getting a shares and stock isa...which companies do you suggest and can i have easy access to my money in an emergency?... Also i am thinking of investing in a mutual fund i…
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Genuine alternative to HL?
i have my ISA and SIPP with HL. we are waiting to learn their new charging structure. i have found their CS to be good, and don't really have any complaints ...but costs, over the long-term, really matter, so i am open to moving away from them. but who are the genuine alternatives to HL, that offer ISAs and SIPPs, that…
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Greatest ever post by BettySpofkins
ok, its after timimg, but what a condescending post. "in a virtual currency has got to be as stupid as paying a $500 release fee to a Nigerian with $5 Million to send yo" This was posted when the price was 10$, it is now over a $1000 How wrong can someone be? Hold your head in shame poster BettySpofkins
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change to how I spread my isa query
Evening all... Hopefully someone will be able to point me in the right direction although this may be a real stupid question? I currently have a l and g tracker in an isa held with l and g. I have several years contributions and want to start using other funds still within an isa wrapper as I am now able to start using the…
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Beginner - how to invest 10k?
I've got 10k saved, no debts, and would like to put this money to work as well as possible for myself. My priority is to grow my capital and get a good return in the short term rather than 10+ years as I will be needing it for a house deposit in the next 3-5 years. Obviously I will be continuing to save in the meantime,…
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ShareView.co.uk US investments?
My Royal Mail investment is managed by Shareview.co.uk. I have noticed on the ShareView site, that I can buy other shares from other companies, however I have noticed that if I perform a search for companies, I only seem able to search for UK ones. Is there any way of investing in US companies via ShareView or would I need…
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Help with a Savings Interest Calculator template
I was wondering if there was a kind soul could point me in the right direction or create a template I could use to show expected interest that I get from my monthly savers. Something similar to these: http://templates.openoffice.org/en/template/savings-interest-calculator…
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Prudential AVCs vs S&S ISA
Hi, My wife works for Glasgow City Council (Education Dept), is a lower rate tax payer in her mid 40s and is a member of the final salary Strathclyde Pension Fund. As part of her retirement planning she has been offered to invest in AVCs with Prudential. We have been looking at the list of funds available and performance…
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Surely saving rates must go up.....or not?
Now that funding for lending for houses has stopped and as: a) we are living in a capitalist country with banks and building societies apparently competing with each other, b) houses, we are being told are on everyone's shopping list due to pent up demand then perhaps we should be seeing saving rates increasing this year?…
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Confused about 'best time of year to open a cash ISA - help!
Hello, I'm a 42 year old moron who has never saved, or if I've had a few hundred to spare I've kept it 'safe' in a current account (I know....) I've managed to save a grand (which for me is a lot of money) and I've been reading about ISAs. I notice that at time of writing the 2 year fixed ISA is being pushed as a suitable…
