-
Gilts
My gilt index tracker has tanked by 9%. I thought it was supposed to be less volatile.
-
Novice - Thinking of investing in funds- where to start
Hi - Looking to start investing in the stock market with smallish amount (£1500 or so). obviously individual shares are too risky. I am in my early 30s so looking for some long term investment. can someone advise where to start and if possible give some tips (completely at my risk i understand that!) ta
-
Putting shares into an isa
Greetings all, i understand that i can put shares I already hold into an isa for this year - is this possible & if so what is easiest cheapest way please ? any drawbacks ?
-
Bereavement
Hi all, Bit of Background: My dad recently passed away and left my mum (Housewife since early 80’s, 58) after his estate is settled with: 1) a life insurance policy and pension pot of approx. £600k 2) House worth approx. £220k ( She will look to downsize next year to something in the ball park of £140k as the current house…
-
Canadian shares
Just have a general question and would like an opinion from anyone who has experience in this. Is it worth holding foreign shares because of the costs involved? I am holding some shares with Charles Stanley execution only but the costs seem to have increased. Not sure if it would be cheaper if I transferred to another…
-
Savings for Children
My husband died last year and I want to save his pension payout for my 2 children. What is the best way of saving this money?
-
Investing for Nieces and Nephews
I have decided to give my 4 nieces and nephews £500 each to be put in savings until they are old enough to put it towards something they really want. After some recent research about where to put my own money, I would like to use a mid risk Vanguard Life Strategy or an L & G multi index fund for their savings. Can this be…
-
Tax on savings
Trying to work out if I need to pay tax on my savings next year (2015/2016). Can anybody explain the Annual Saving rate Allowance, and how it works ? I think it is just added to the other allowances (like personal allowance), is this the case ?::T
-
Saving for school fees
I need to find the best way to make sure i save for my sons school fees! Long story, but we never planned to send him to a private school and never planned for it. But, as a self employed/freelance Project Manager, with a wife that generates a small amount of income as a wedding florist from our garage, we need to make…
-
High risk investment - where to start
hi, I'm looking to invest roughly 50-200 per month long term (5-10 years) Any idea where I can start looking or getting any information regards this thanks
-
Tansferring money internationally
I have been working abroad for about 7 months now and have managed to save a decent amount. I plan to say working in China for another 2.5 years before returning to the UK. I would ideally like to have my money in an English account however having once got my pay transferred via my company to my UK account I lost out on…
-
How to avoid capital gains tax on my stocks
Hi all, I've recently joined TD Direct and purchased some equities, and I am adamant on finding a way to avoid capital gains tax. I understand that for the UK, an ISA would be great for that, however, I'm planning to move abroad (I can't get an ISA when I'm abroad) and was wondering what my best options would be. I'm aware…
-
Investment trust closure
Hi all, if an investment trust closes, what payment do you get, would you get the nav price minus expenses, this sounds logical in my view, but cant find anywhere that tells me. I have shares in aberdeen smaller companies high income trust, and i read they are going to vote on whether to keep it running or close it. But as…
-
ISA. Withdraw cash from the previous year
Hi, I am new to ISA and I have a simple question. If right at the begin of the new isa year, I withdraw some cash saved from the previous year, is it taken out from the allowance of the year that just started, even if I didn't put any money yet?
-
Putting money to better work - what would you do!?
Hi all... I am starting to review my finances below is currently how they stand.. Santander 123 3% - 20k Santander FRISA 3.1% maturing in May 15 - 45k Santander FRISA 2.3% maturing April 16 - 15k Tesco Instant Access Saver 1.4% - 23k Premium Bonds - 40k Royal Mail Shares - £950 Fidelity Stocks n Shares isa fund - £550 No…
-
First Direct Regular Saver
Hi, I've been thinking of getting the First Direct's Regular Saver - which requires a monthly payment of between £25-300. The article mentions Does that mean it's better, to maximise the interest, to deposit £3300 at the start and then pay a monthly amount of £25? Kind regards Sidharth
-
Santander 123
Forgive me for not knowing the correct terminology here, but to open the Santander 123 account, it says you need to "Set up at least 2 Direct Debits" http://www.santander.co.uk/uk/current-accounts/123-current-account As I understand it, I need two direct debits to start earning interest on the account. Does the the…
-
Current Accounts as Savings accounts
Hi I am considering using the high interest current accounts as savings account. I see that they have minimum amounts that have to be deposited monthly. Can these deposits be made from another bank account that I have, with a different bank, or do they have to be your 'pay' from a company. Thank you
-
ISA savings - remove to become new money or not ?
I know the advice is never to withdraw savings form an (N)ISA if wanting to keep tax free status, but if wanting to take advantage of a better rate offered elsewhere that doesn't accept transfers in, does it really matter as long as the savings are below £15,000 ? I'm talking about £6-7,000 which is not even the maximum…
-
shares
I recently found an old friends provident share certificate is it still valid
