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Help. I have shares and don't know what to do
Hi folks, I've been given a Barclays share certificate and I'm clueless as to what to do. I'm clearly not an investor and I could do with the cash. The trouble is they're worth £80 and it looks like it's gonna cost me a huge chunk of this to sell the ruddy things. Any tips on the cheapest way to get rid (that's simple…
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Premium Bonds £50k Investment Limit
Unless I missed it the date wasn't confirmed in the budget. Is there any better idea when the limit will be increased?
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Close Fixed Rate ISA within 14 day cancellation period
Soooooooo I'm a complete dumb !!! when it comes to this. I have a an Easy Cash ISA with Santander for years now and just the other day I decided to upgrade to a fixed rate one. I completely read over the 'No deposits after May 1st 2015' part and I'm wanting to cancel I as I really wanted something I could make regular…
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You CAN pay into cash ISA in 2015/16 and then use Help to Buy ISA later
Martin recently made an unhelpful tweet "WARNING just revealed, if you want a Help 2 Buy ISA, don't open a cash ISA after 6 April or you lose your chance (this link to an article that repeats the error)". For those who don't know the ISA rules well enough, you can do this. Unless specifically prohibited by new law there…
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37yr, Mortgage Free with £170k savings - Advice Appreciated
I wanted to get some advice on my personal circumstances below, where my current goal is to try and maximize my savings, which currently are not doing an awful lot for me: Summary: 37yr Old with Wife and 2 kids (7 & 8) Home-owner (paid off mortgage last year) Monthly Income: £5,050/month Monthly outgoings: £1,200/month…
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Platforms for Trustees
I know of at least one platform that accepts applications from Trustees of Bare Trusts for children, but I'm not aware of any that can be used by Trustees of other types of Trust - such as Will Trusts. Does anybody know of any? I'd be eternally grateful to hear of one!
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Santander 123 2 Year Fixed Rate ISA. Advice.
Hi everyone, So I'm new to the whole "Emergency Fund" and recently decided it was probably a good idea to get one started. I have always had a Cash ISA with Santander bit recently upgraded this to a 123 2 year fixed rate. I used to shuffle my money between my Santander accounts (cash Isa to 123 current and vice versa). I…
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Platforms for ISAs
Hi I found the tips about stocks and shares ISAs very helpful but when I enquired about AXAs -no platform fee, no buy sell fee sounds good But their man on the phone told me they dont do unit trusts or OEICS just their own investment trusts. I wish I could find a decent book to explain all this.
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FTSE 100 breaches 7000
In the big scheme of things it doesn't matter but for some reason feels nice to see this. Just looked at it just now and saw it was through this milestone. Onwards and upwards for the UK I hope!
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Yorkshire Building Society Consolidation
Does anyone know if the Yorkshire Building Society has any plans to consolidate all the building societies they own, rather than retaining the separate brand names of Barnsley, Chelsea and Norwich and Peterborough? Just interested to know. The Yorkshire seem to have a different stance from say the Nationwide who have…
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mid 40's - Saving towards retirement
I've been hanging around this forum for a while now, hoping to absorb some useful information - would like your thoughts on the simple saving/investing plan that is forming in my head. bit of background - 44 years old, not a home owner, hence not wanting to tie all my money up in a pension, I can't afford a suitable home…
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How does the vesting of stock options work?
This is probably a silly question, but I just want to clarify how the vesting of stock options work. Let's say for example that I've been given £100k worth of stock options at work - and 25% of that vests every year for the first four years that I'm with the company. I'm assuming that once my first year is up (and assuming…
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Thoughts on investing for 5 year old please
I would be grateful for any thoughts on investing a thousand pounds for my 5 year old granddaughter please. I have looked at investing in the Life Strategy Fund (80% equity) through Hargreaves Lansdown, which is what I think I may do, but this is all very new to me and a little bewildering. The money would not be put in…
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Guidance please. Substantial savings. IFA??
I have been reading the forums here for a while but much of the more informed discussion goes straight over my head. Can I ask those informed contributors to please advise me? I am in my 50s and self employed. No mortgage or debts. I have been saving hard for most of my life. I have had some dealings with IFAs but on the…
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Long Term Investment Strategy - Mark Shipman
I would like to research the investing system Mark Shipman wrote about in his book Big Money Little Effort. The basic strategy is investing in an index when its 30 week smoothed moving average is above the 50 week smoothed moving average. Results from 1957 in the S&P 500 is impressive but I would like to see if other…
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Help pension saving
Hi, I am looking for some advice on pension saving. I am a part time local governmant emplayee and am a member of the pension scheme but I know that working part time my pension probably will be not that much. I have about £50 a month to put away but don't know what to do with it. S&S ISA, Unit Trust, Bonds, Private…
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Selling losing shares?
I have some shares in both Glencore and Balfour Beatty which are currently down by 13% and 16% respectively. My question is am I better keeping them in the hope that they go up, or better to sell off an put them into a fund which seems to be performing better? I suppose my question is more general than that, and it's…
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Investment help for £20k - £25K
Hi, My parents are very kindly giving me £25,000 as a house deposit and I would like a little advice on the best way to treat it. I've got 1500 on a CC and 3000 left on a Zopa loan, I'm keen pay these off which would leave me with £20k to put somewhere safe and gain interest. I do have a small ISA which has got about £200…
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Advice for entering the S&S ISA world
Hi everyone, I've been researching what I need to know in order to make the right fund choices and platform choices for a few weeks now. Unfortunately some family health issues and work trips came up so although I feel well read on the matter, I've made zero actual decisions. So first up I have no debts other than my…
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Help I have a weird Bond thing
Hi my stepfather who is nearly 88 has asked me to help with his investments as he has dementia and the start of Parkinsons. He was a keen amateur investor and wants to simplify his accounts. He has ISA's with Hargreaves Lansdown which contain a mixture of funds and shares which he says is fine as ISA's would transfer to…
