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Cavendish Stocks/Shares
Hi Just wondering how long it normally takes to setup a Stocks/Shares ISA and the investment being made? On 13th Nov I made a investment into a fund and the status has been "Lump Sum: Processing instruction" since then. How long does it usually take for it to be invested and S&S ISA setup?
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S&S ISA help - existing Halifax
I have an existing stocks and shares ISA with Halifax into which I have been paying 50/60 pounds a month for the last 10 years or so. I signed up to Charles Stanley Direct to transfer as I felt the 1.5% AMC seemed high. However, it turns out it can't be accepted as the funds I am in are Halifax specific: Halifax UK FTSE…
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Achievable Pessimistic Portfolio
I have a portfolio spread accross a number of unit trusts, as ISA's, but I am becoming increasingly convinced that over the next 12 months the only way for stock markets is down - and possibly quite spectacularly. I know that for the current prices to be achieved there is someone else who believes the only way is up but…
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Portfolio advice
Hi folks I'm a lurker after a bit of guidance. I don't really contribute that much because I don't know that much! Enjoyed the Tim Hale book and I'm fairly bullish, preferring more risky investments. Mainly in the hope that long term they will out perform others. Also I'm quite young, 32 yrs old, I have a mortgage I'll…
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GBX to GBP Conversion
I have to confess, I am horrific when it comes to calculations. Unfortunately, when purchasing stocks, the prices quoted, are often in GBX. Until now, I have been using a useful website to convert for me, but it is getting tiresome having to switch between the site and what I am doing all of the time. I would like to work…
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Holiday Let income advice please
Hi i have a bought and paid for ( no mortgage ) holiday home that im thinking about letting our for short periods ( 1 - 2 week vacations ) and dont know the best way to do this.... eg via a limited company that i could set up? are there tax allowances against profits eg estate agent management fees ? ongoing up keep and…
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Dissolving a trust fund.. advice needed
Hi All, My family is in the process of dissolving a trust fund which is to be split between three parties. We began the process 6 months ago using a local accountant and have just sent off forms with copies of our passports/driving licenses etc etc.. My question is does anyone know how long this is going to take? I keep…
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How the rich get over 35% on their savings!
Some forum members may have read in the papers how the richest have doubled their wealth over the past five years despite the reccession. I have come across a tax planning wheeze that is one way the wealthy, and presumably anyone, can take advantage of. I'm interested to know what forum readers think of this, personally I…
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inheritance and tax credits
hi there i will be inheriting around 35,000 pounds next year from in a trust fund left by a relative. does this need to be declared as income and will it affect tax credits.
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Stop pension to increase savings
Hi all I've been following this forum for a while and wanted to get some input on my pension & savings. I've been paying in to a company pension (where they match your contribution) for the last 10 years (I'm early 30s) and I'm also saving on the side. However, despite saving a reasonable amount each month (~£400) I want…
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Savings/Trust for an 8 year old
Hi All, My 8 year old niece has been left a sum of around £38,000. we would like to invest this long term to have a lump sum available to her when she is in her 20's. Any advice as to where to place this amount to get a good long term return?
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Short term savings plz advice
I have maxed out ISA and have: 3x BoS 1xS123 1xTSB 1xLloy 1xNW Flex 1xTesco Now I still have 127k in BoS easy access saver where imgetting only0.50% Is there anywhere I can put for 6 months max where I can getmore then just 0.50% Many thanks
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Best bond funds.
I thought I'd finally settled on my portfolio but then I started reading more into bonds. Turns out my vanguard UK Gvmt tracker isn't a great option. So I'm looking at the following but any advice/experience regarding other funds would be most welcome; Schroder long dated corporate bonds acc Jupiter strategic bond fund acc…
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How can i find a good IFA?
I feel like i need to find someone to sit down with for maybe an hour to give a general review and guidance as to my current situation and finances. I'm thinking i could collate it all into some kind of cogent statement before going and then maybe just have an hours meeting? Is that how it works and how much might it cost?…
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advice needed
Really dont have a clue about this stuff but i have 20k that i have saved over the past 4 years. Its in a rbs instant access savings account, they sent me a letter saying they are reducing my interest to 0.5%. Last year i earned a total of £112 for a whole year, what should i be doing with this 20k and does that interest…
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Looking to the future savings
Good morning to all :) A little bit of background, im going to be an uncle (twice) early next year and want to open a savings account for my niece / nephew. My partner and I want to be able to give a lump sum to the kids on their 18th birthday, for a holiday, car, whatever they choose. Would it be better to open accounts…
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HSBC Invest Direct (or Invest Firect plus)
I haven't signed up to the HSBC product but was thinking about it. Does anyone know if you can trade OEICs (Unit Trusts) like the CF Woodford Equity Income Trust on the HSBC Invest Direct plaform? MAny thanks
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3 Santander accounts
Hello I have 3 Santander accounts 1 sole each plus 1 joint i have filled up the5% accounts already and I have 22137.00 left should I just divide the money 3 ways for sant. or is there a better way to get more interest?
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stocks and shares NISA query
Hi The FSCS only guarantees savings up to £50,000. I have a stocks and shares investment of about £80k. Would I be better off splitting these between 2 providers, and then starting again with a third provider when the total valuation hits £100,000 in 2-3 years? Am I just being paranoid or is this a good idea? I'm currently…
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Childrens savings without access til they are 25
Are there any savings accounts or investments where I can invest a lump sum now and that the children who are 8 and 5 wont be able to access until they are 25?
