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S+S ISA for a newbie
I've got a cash ISA, but I keep reading about S+S ISA's. I'm in full time employment, with little time on my hands. I've got £1000 to put into a S+S ISA and will want to add maybe £50 a month, at the same time I will be adding to the cash ISA too. I do not have any plans for the S+S Isa, only to let it grow. If I need to…
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Help with setting up my future
So I have been on this forum for a long time, and I have been Reading this section since last year without posting, now I think it is time to post. So I am at the age of 25 currently, I earn around 1600 after Tax. I do make an additional £25-35 per month, but this is currently being reinvested to try and make more from it…
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Standard Life Options
Hi Sorry to start a new thread, I can't find my previous one. My hubby and I both have shares in Standard Life (him more than me) He has received a letter and info regarding these option choices , but I have not Would anyone know why this would be please? Many thanks
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Where shall I put this money?
Hey - i'm hoping for some advice on where I should put £7,000 - £9,000 that I currently have in my current account. - ISA - have such low rates (best is 1.5%) that seems like a silly option - Pay off Student Loan, also have low interest rates so not a bad debt to have, but do have to contribute almost £300 a month out of…
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Money For My Son
Hi All I have a 4 yearold son, and since he was born I've been DDing 80 pounds per month into a Virgin tracker ISA. It's got a fair bit of money (relatively speaking) in there now and I'm wondering if this is the best place for it or whether I need to be looking at trust funds or some other thing? I really know nothing…
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Out of my depth
Hi everyone, whats the best way to invest £40,000 for the maximum monthly income. I am a basic rate tax payer, who hasn't got a clue, many thanks for any suggestions.
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Saving for retirement
very soon I'll be lucky enough not to have a mortgage and want to save £500 approx per month towards retirement. I won't have any debt, but I haven't any savings so I know I should save initially for that rainy day. I do have a Final salary pension, and will have approx 26/80 of final pay at 60. I also have a PP with…
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Invest in funds?
Is it a good idea? https://www.youtube.com/watch?v=zqa-jSuXmYw according to that its not. Actively managed fund are not any better than investing in a index fund in the long term
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Stellenbridge
I've startetd to get emails from a company called Stellenbridge offering lots of money to introduce people to their investment opportunity which looks a bit like The Funding Circle. They guarantee their return but having checked out the company their Company Registration number is wrong and if you search their name they…
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Global index trackers
Hi everyone, I've been investing in the Fidelity Index World tracker (A class) via III for the last 6 months. I initially tried to invest in the I class which has a low TER of 0.15%. But, after lots of delay and unhelpfulness (and despite initially claiming twice that I could invest in the I class), III eventually told me…
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Which fund would you choose?
I can't decide which of two funds to buy based on the research I've done, so all I have left to help me decide between them is past performance. They are both similar funds in the same sector (I won't say which sector/funds just yet since I don't want to bias any replies I get), but I think fund A seems to be the better…
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Cgt jisa ctf
Is CGT always payable should any Investment gain exceed the annual allowance, or can an investment be held for a long time whereby no CGT is payable. Has JISA replaced CTF, if a CTF was opened a few years ago, can funds be added after April 2015 or would it need to be invested into a JISA as the alternative?
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Where to save?
Hi All, i currently have every one of my 4 (2 of which i actually use) bank accounts with TSB, i've always stuck with them for everything and i'm afraid i could be getting better rates elsewhere. I have a savings isa which is gaining a pretty pathetic 0.5% interest (easy access type) and a graduate current account. I don't…
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Buying Shares
Hi Ive got a quick question about buying shares, where is the best place to go to buy shares? I want to put in £500 for now, just to see how it goes say i want to £250 worth of BT shares £250 worth of Lloyds shares I know id have to pay a fee on this, but anyone know where i should go? Or am i unable to buy shares with…
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TSB Classic Plus Account - use without a local branch?
I'm considering opening a TSB Classic Plus current account to use as a saving account. The 5% interest on balances up to £2,000 is perfect for my current financial situation. Only problem is I'm based in Northern Ireland and TSB have no branches here. Would it be possible/wise to apply online, select a branch in the…
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Help with parents, and your thoughts?
My 55 year old mother has just phoned me reference a advert in the Times from Devon Hills. They are advertising a guarenteed return of 8% for two years on a holiday home to the Value of £89995. My initial thoughts were what happens after 2 years. On speaking to the park, they have said that they often make more than this,…
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Income from holiday cottage.
I sold my house recently and am renting for a while. Meanwhile I wondered about putting my capital to use by investing in a holiday cottage. Has anyone done this? What are the pitfalls? How much do management companies or agents charge(if you use one). And can you set the cost of these against tax?
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share price on takeover
On Friday it was announced that Nikon was putting in a cash offer to buy Optos at 340p and the share price promptly jumped to about 341.5p. Why would they go to over the offer? Are Nikon allowed to buy up shares so they can vote on the takeover themselves? Or are people betting on the 340p offer being refused? I will be…
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GlaxoSmithKline shares dividend?
I am looking to buy shares in GSK but when I click to buy it states these are ex dividend shares. I am purchasing through Charles Stanley into my S+S ISA. I believe it means you are not entitled to a payout in a forthcoming dividend however , GSK are not due till November?
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Need some help -complicated set up
Hi all I think I need a financial advisor but not entirely sure if that is the right person to help. Can someone please advise. I have a house on BTL. I live with my partner in his house. We are buying another BTL house between us (price agreed yesterday so if anyone on here can help find a mortgage that'sa would be…
