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Income Funds paying out during SSISA Transfer
Hi, I've opened my III ISA account and downloaded the ISA Transfer form, filled it in, and am ready to send it off. However, before I do that I have a question. I hold IP High Income Income (not the ACC version). The Ex dividend date is/was 1st Jan, but the payment date is not till 28th Feb. It typically shows up in my HL…
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Alternative to Hargreaves Lansdown - Based on my portfolio (ISA and SIPP)
I currently hold a SIPP, ISA and Share account with Hargreaves Lansdown and have been very happy with the service I have received. However, following on from their letter and notification of price changes, I am starting to realise that they are not very competitive for those with a portfolio of my size. I'm getting very…
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Help for a newbie
Hi my father left me 556 shares in Barclay's and I don't know how to work out what they are worth I would appreciate any help. I can see that the value on the Barclay page said 272.27 but I don't know what this figure is pennies, pounds, dollars or euros??
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Exchanging £50 Bank Notes
One of the £50 bank notes is going out of circulation in a couple of months time . where can these bank notes be exchanged for £50 bank note that is staying in circulation Also is their a charge for the service and how many can you exchange at any one time
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HL should I be moving
I have an is a with hl, about 20 funds, 75k. Biggest is an m&g with 19k. A few are down around 1k. Have 3 HSBC trackers. Paying in £200 per month to 2 funds. Also have a couple of hundred in BP and GSK. Am I going to be hit by large charges from this and should think about moving? I do things with III and fidelity and…
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Is CGT applicable for unemployed?
Thank you all for your valuable time spend on this query. Scenario: My wife is a housewife, so basically no income. As she is unemployed she will be allowed certain income tax free. I could see income until 10K is tax free. 1) Does she qualify for Capital Gain Tax of 10,900 allowance as well even when she is unemployed or…
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Pension advise
I have 3 pensions worth £55,000 at the age of 45 should i put all 3 into a new pension or keep them as they are? 1 I HAVE STOPPED PAYING INTO, THE OTHER 2 ARE STILL BEING PAID INTO
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Santander's 123 account- Direct Debit question
Hi everyone, I'll be succinct. Santander's 123 account requires 2 Direct Debits. Now, I have one already sorted. No problem. But, for the second however, is it possible (in order to satisfy the £500 funding of the account each month) for me to transfer this amount from my Halifax account to the Santander 123 in the form of…
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Declaring Tax on profit from Shares (Please Help)
Thank you all for your valuable time in replying to my query. I have a question regarding declaring profit on sold shares. I have 3 scenarios to explain: 1. For example say I invested 200£ in year 2010. It got tripled in 2013 and became 600£. So every year the actual value of shares increased. But I am selling only in 2013…
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Best Place For A Stocks And Shares ISA
Hi all, I am currently looking into investinging as I have some money lying around and I feel that while I am young it is now a good time to do it before I have any other commitments. I am currently learning a lot so do not plan to invest anything yet until I have sussed everything out but I have realised I will need a…
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Fundsmith Feet
Can anyone explain simply what the new Fundsmith Emerging Equities Trust is (FEET)? Is it another equity fund and, if so, is its launch at odds with Terry Smiths assurance at the shareholders meeting 2012 (Youtube) that 'there is only ONE Fundsmith fund, and so it had better work'? .....or have I got the wrong end of the…
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First time funds investor: Vanguard or separate funds (etc)?
After asking some fairly naïve questions previously on this forum, I have been away and read Hale’s Smarter Investing and also had a review of what Monevator has to say. I’m now itching to get started but just have a few questions where I’m still a bit unsure. Is a Vanguard / Lifestyle fund the way to go? During my…
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Funds, investment trusts and ETFs
So here's my dilemma.. I'm with Hargreaves and I have had a very short investment career (less than a year). What I am realising is that even thought 2013 was a good year for equity in general, it's not easy for an individual investor to do really really well! It takes one or two bad investments to define your portfolio…
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Lloyds vs RBS
I wonder if someone could answer what is probably a very simple question. Lloyds shares are around 80p to purchase (currently). Lloyds, to my mind has been pretty well since the bailout. RBS havnt been doing particularly well, and reading the news a few minutes ago its being reported they could post an £8 billion loss, yet…
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Ftse 100
Hi everybody! I have recently started educating myself finance and investment and I want to ask you a question. FTSE 100 index value (6,550 currently) - is it the combined market cap of the top 100 companies on FTSE? If yes, is it in billions? gbp? usd? Thx
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Bank Imposed Cash Withdrawal Limits
From an article in the Daily Mail today it appears that HSBC (and other banks) are imposing limits on how much cash their customers can withdraw from their savings and they also demand what the customer intends to do with the cash. They make spurious claims its all to do with money laundering prevention but since when did…
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Fund rebates - Interactive Investor as good as HL?
I currently have all of my investments (SIPP, ISA and unwrapped fund investments) with Hargreaves Lansdown. Now that HL have announced their new charging structure I'm starting to shop around for the most cost-effective home for my investments. I seem to be locked into HL for my SIPP, as there are a few specific funds…
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why are ISAS so low when some current acounts are 4%
is it because those 4% accounts only offer interest on a certain amount thanks
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National savings bank
I have an account with a little money in it not much I went to the post office to close it but they said they don't do it any more. Anyone know how to close the account and get my money?
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How to Invest from the Grave!
I recently started a thread about Muli-Manager Funds and the help that I received there has aided my review of my intended future strategy. Could people comment upon my conclusion? I currently enjoy looking after three portfolios with under £100K in each but when I die I leave the problem of dealing with them to a wife who…
