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Axa Self investor- HELP!
Hello. Please help. Many years ago I was advised to open a Stocks and Shares ISA as I do not have a pension. I have (what I have recently realised is a pretty poor) Natwest Stocks and Shares Isa. My money was not working to its full potential in this isa so I have moved it to the Axa Self investor Stock and Shares Isa as…
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Company Share Incentive Plan
I have just started a new job with a FTSE 100 Company. The Company offers a share incentive plan for employees. A quick look and it appears that if I buy shares on a monthly basis (up to £150) the Company will match that figure and my contributions will also attract tax relief - I am a higher rate tax payer, so the…
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ISA Oversubscribing?
Hello all. I realized the other day that I have unintentionally put funds into two different stock ISAs this tax year. I haven't exceeded the £15,000 ISA limit if that is worth anything. I am unsure what I need to do to remedy the situation. Have tried to contact HMRC but no luck getting through to them as of yet. Thanks…
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Setting up direct debits from new Club Lloyds
Hello all, My wife has just opened a Club Lloyds account. She is currently setting up the 2 required direct debits. Because her direct debits go out on the first of the month the direct debit change wont be made until 1st June (i.e. 1st May will still come out of her existing account). As she has opened the Club Lloyds…
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Portfolio Check
I'm (fairly) new to investing but after researching the basics for about a year or so I've contributed £20,000 to a SIPP and £15,000 to this year's ISA. To my mind, I've bought into well-reviewed funds/ITs and am geographically diversified, but I wouldn't mind a second opinion from the learned folks on this site. (I'm…
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ISA rules HELP
Hi do not know who to ask about this but maybe you can put me straight. I had a Halifax 3 year fixed rate ISA that matured on 28th March 15, I transferred the £20k + it had in it to Santander in a 2 year fixed. I had already got from last year and am currently paying into a Santander easy access Isa. When with a friend in…
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Inheritance - savings account for best return
Hoping for some advice, please. I am about to inherit around £340,000. It is likely that I will put the money into property at some point within the next year (currently looking for something suitable) but in the meantime want to ensure that a) the money is safe b) it is earning some sort of interest and c) it is…
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Does anyone know if WASPS bond is worth
Does anyone know if WASPS bond is worth an investment? thoughts?
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Trading Charges for monthly investment
Hi, I'm going to start to invest a tiny bit of money (£30 per month) to learn the basics of how it works. I've never invested before so I apologise in advance for what is a very basic question. I'm going to do passive trading. For now everything in the ftse 250 (I am aware that is not diverse. I'll fix that when I start…
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Shifting my Turkish Lira - but when and how!
fdgdhwsgagaef
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Investing in Pool Mortgages rather than ISA
Hi, I should mention I am currently living in Australia but am from the UK also I have never invested before and have only put money the bank and so would really appreciate some sound advice. I have a ISA account and have around 22,000 pounds in it however I am only getting 1.25% interest. I am now an Australian resident…
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Spread betting...
Story from the Telegraph http://www.telegraph.co.uk/finance/personalfinance/investing/11562202/How-370-investors-lost-18m-in-minutes.html One guy bet <10 grand on the Swiss Frank and lost 250K. Is this really a story, or just gamblers who lost (without perhaps knowing the risks they were taking - caveat emptor?) just…
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small time investor
Evening team.... Am a budding investor but sadly, rather clueless. Have been thinking about retirement ( am nearly 40 and only recently debt free so a late starter.) So far, my vast portfolio consists of a grands worth of tesco shares, 3000 in a vls80, 300 quid in funding circle and 8000 in my current account doing…
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How do i calculate the diversification of my investment portfolio?
I was trying to work out what my current investment portfolio looks like, in order to assess how well 'diversified' it is. I thought this would be simple, but now I've tried to do it, I'm not actually sure how to do the calculation. My wife and I have the following assets/liabilities (for simplicity I've just counted…
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Stakeholder pension a bad option?
I've been reading a lot on here and monevator over the last couple of days, and have seen a couple of passing comments about how stakeholder pensions are not the best way for people to invest in equities, but without explaining why this is the case? Would anyone care to explain (or point me in the direction of a…
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Tax free interest on £1,000 from Apr 16 - Not now!
Well believe it or not the promise of £1,000 tax free interest from April 2016 hasn't made it into the Finance Act 2015. So it's not happening folks. There may be time to include it but will Mr Balls do so. I doubt it. Cheers fj
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SIPP Investment Suggestion
Hello, I intend to start investing in a SIPP for the first time. I will invest about £100 a month. I was thinking of a multi-asset fund. I hand a long time ago Prudential Adventurous Portfolio P Acc. However there TER was too high so I left. I am looking for something in the same category. I'm currently 30 yrs old and dont…
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Sharesave scheme with old employer, paid money in but never seen anything back
I have no idea if this is even worth pursuing, but i'm sure someone will tell me! Back in 2007 i worked for Halfords, who started a sharesave scheme, you pay money in, at the end of 3 years get to buy shares with your savings... Having a little tidy up today, noticed on my payslips that i paid in £60 each month for 3…
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Child Trust Fund
After many years of "not bothering" I am finally starting to organise my financial life. One thing I still need to suss out is... I have a small investment still in my daughters Child Trust Fund. I want to start investing a small monthly top up but want to know if it is worth keeping it in this Trust Fund 9that doesn't…
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Premium bonds advice
I'm looking to start buying up premium bonds as a way of secured saving towards buying a house. I know I would probably get more from saving in a bank but if I can get to it I will spend it. What's everyone's advice and how much have people won off them.
