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Savings & investments

Archives for April 2015

ISA v Pensioner Bonds
I've about £25000 in an easy access ISA currently paying 1.5%. I've been wondering about whether to put £20k of the ISA into the 1 and 3 yr pensioner bonds before the deadline on may 15th. Now i've just read about the personal interest allowance of £1000 announced in the budget and if I've understood it correctly this will…
Going to inherit 40k. What to do?
Hey everyone, I'm going to inherit £40,000. I have no idea whwat type of account to put it in? Thanks for any help :) Ed
Stock Market-Linked ISA
Hi All, I'm after some advice re. my Legal & General Stock Market-linked ISA. I'm 22 now and, thanks to great advice from my parents (save, save, save), I invested £5,000 in a stock market-linked ISA in 2011. It was over a six year term, so is due to expire mid-2017. I usually obtain a value yearly and today I was informed…
Moving a pension into a SIPP
I have a small pension that matured last year, and want to move it into my SIPP. THe pension has an annuity option built into it and for this reason the Insurance company wont let me do it without a an advice declaration being completed by an IFA. I had a health check a year ago but my FA still wants £1000 to possibly…
Lesson in churning?
Interesting article in Telegraph http://www.telegraph.co.uk/finance/personalfinance/investing/funds/11568113/Nick-Train-I-have-not-bought-or-sold-a-share-for-four-years.html Nick Train is a name that comes up regularly as one of the more successful managers in articles. He has not bought or sold a share for 4 years, and on…
Declare ISA on self-assessment?
I don't understand who needs to complete self-assess tax form with regard to savings. Guidelines say anyone who 2,500 in untaxed income from savings and also anyone with savings income of 10,000. Do either of these include a person's ISA investment?
Tax on a child saving account
I have just received a letter from the Bank stating that they have made an error when registering my childs account and 10% tax has been applied to his account for the last three years. They have told me I need to complete a 4 page R40 for a tax deduction. Like most banks, I can't email them so I will have to pay to ring…
Day trading from home
Is anyone into day trading as a part time/full time career. Also is it possible to do this from home and any recommendations on platforms for trading. I am hoping to start and have a very good amount to get me going. Thanks in advance
A question of Capital Gains Tax.
I have capital with an investment company after selling my shares in a SIPP and an ISA. I want to purchase Pensioner Bonds and realise that I have limited time left. When I contacted NS&I who provide the bonds, I was told that NS&I don't except transfers from anything other than my own bank account. If I transfer the funds…
Trading shares for small regular investment
can anyone recommend the best way to invest £50-100 a month to buy and sell shares. I am guessing the best way would be to save 4 months at a time and then buy one block and pay the trading fee. Is there anyway to buy smaller blocks of shares for lower fees?
General advice on getting my financial life on track
Hello, all. Long story short: I have very little idea of all the different facets of personal finance, and as I am not a young man anymore I feel like I need some urgent advice as far as what I need to do to sort things out. Apologies, as there isn't a general forum I have placed the thread here, but if there is a better…
Explain ratesetter to me please..!
Apologies, but i find the ratesetter website a bit confusing. I have lent money out on zopa and it seems clearer i.e you put money in pot and it gets segmented into lots of smaller loans to spread risk etc. I am currently interested in the ratesetter monthy product. I see there is no segmentation setting and so money gets…
£100,000 how best to invest
hi, any help on the best ways to invest £100,000 to avoid taxes, about me, i semi live in BANGKOK, i have a UK postal address, i bank with the HALIFAX, i was thinking £30,000 in bonds ? the max in an ISA is it £15,000 ? that leaves me about £50,000 to lose, if the poo hits the fan i can be back in the UK within 12 hours, i…
There must be an easy way to do this :brainfail:
I currently have a total of £3700 in cash savings. £1995 is in TSB Plus (5%) and the remainder is in a Nationwide FlexDirect (5%). Shortly I will be receiving a further lump sum of £5600. I already have a basic Lloyds account so am hopeful to be able to upgrade that to a Lloyds Club account (4%) and set up the required…
Advice on the best place to put £100,000
I am in a fortunate position where I have £100,000 that I would like to either invest, or for the short term put into the highest possible returning savings accounts. What advice would anyone be able to give me please. I am at this stage not thinking about property investment. Any input much appreciated.
Basket of investment trusts
Looking for a basket of say 10 investment trusts with an overall average yield of 3.5 to 4.5% to provide a sustainable income. Already hold city of London and Scottish mortgage both of which have done well Basket required to offer greater diversification and more balanced than some of my existing individual share holdings.…
Didnt declare savings
Hello hopefully somebody who knows the law here can help a little what would happen if two pensioners who currently rent mistakenly forgot to decalre all of there savings eg said have 8k when actually 50k? For the last few years they have been getting help with paying the rent etc from the goverment. will they need to pay…
Share dividend - how does this work please?
The next HSBC share dividend is paid tomorrow, I get mine in shares. Do I get shares based on the share price tomorrow, or is it based on the share price the day the dividend was announced? The price has gone up about £1 a share in that time so it will make quite a difference in the amount I receive. Can anyone help please?
30 day rule for B+B exactly 30x24 hours?
I'd like to know if the 30-day bed and breakfast rule actually means 30x24 hours exactly, or if it just means 30 days, no matter what time of day it is. So I sold my shares on the 31/03/2015 at about 6pm. So can I buy back tomorrow on 30/04/2015 9am? Or would it have to be later than 6pm instead?
Is This a good time to switch?
I have posted before on the pensions board with a similar question. I have a stakeholder which I have had since 2001 it now has approximately £58000 in it. I have known for sometime that it is a less attractive platform for saving into a pension. So, enter the SIPP route, but why is it that I have the jitters? Is this…

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MSE News

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