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Why Ongoing Charges / TER are different for Fidelity / HL?
I am checking Ongoing Charges / TER for First State Asia Pacific Leaders (class B - accumulation) at the monent. According to HL, it is 0.92% with a 0.05% discount (http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/f/first-state-asia-pacific-leaders-class-b-accumulation). According to…
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Vanguard LS lifestyling adjustment
I notice that LS20 pays interest whereas the others pay dividend. I'm sure I've read here that some of the LS are better suited in ISAs than unsheltered. Could someone explain which and why please? Thank you.
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Company pension contributions and ISA money
Hi. I posted this on the Pensions sub forum, but it's not getting any response so I wondered if it would get any further over here. It has both pension and savings content. I contribute to my employers defined contribution pension scheme through salary sacrifice. Once a year I have the opportunity to change the level of my…
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£15,000 Investment
Hi, I'm sure this hasa been answered before, but I am due £15,000 from an insurance claim. Where is best to invest this ? Thanks Dom
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What share broker
Hello everyone I want to start buying Share. Yes I am a beginner, please can someone/anyone recommend which broker or bank to use???
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Tax free interest
Hi, from 6 April 2015 you can get your interest paid gross if your income for the tax year is £15,600 or less. Does anyone know if this just applies to "savings accounts" or to all interest earned from any account ,such as current accounts etc.? Joop
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Should I use isa savings to pay a lump off the mortgage?
I am struggling to decide what is the best thing to do with our money. Both DH and I are self employed. His income is regular (partner in a large firm) and he gets a fixed amount of drawings each year. I have set up a small one person company so my income is very far from regular. Both higher rate tax payers. House is…
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Confused. How many stock and share isa account can you have??
i had few thousands pounds sitting in funds in stock and share isa which open 5 - 6 years ago in Halifax. I want to sell 1 of the funds haven't been doing too good. Then, I will invest another few thousands pounds, probably for min 3 years as Cash ISA rate is really bad. The question is Do I have to stick with Halifax?…
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III not taking regular funding
I received a secure message saying they hadn't taken the payment on 20 mar and would reapply on 2 April. That didn't happen either. No response to my secure message. Checked and the debit card hasn't expired. Their original message was apologising for them not trying to do the transfer I thought but they did say "reapply"…
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Cash ISA
Confused so wonder if you can help? I have x amount (say £5,000 for ease) of money in a CASH ISA account from a previous year's ISA saving. I also have x amount (say £1,000 for ease) spare that I would like to invest in a CASH ISA account for 2015/6 entitlement. Am I able to open an account for this year's entitlement and…
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TRD Futures
Hi, I had an aсcount in TRD Futures, in 14 days I lost all my money! Their advise is a fraud and a racket! Be careful!
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Club Lloyds Monthly Saver
Has this account been withdrawn?
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Can't log on to Inteligent Finance ?
Is anyone else having trouble logging on to Intelligent Finance site? thanks ed.
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Portfolio critique requested
I would appreciate it if people could give me an idea if my portfolio is on track to do ok. I started investing in First State just under five years ago at £50 a month. I have gradually increased my monthly savings to £250 and diversified. The £250 will continue to be drip fed for the forseeable future. I am with HL and…
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Charter Savings Bank
Does anyone have any experience investing in Charter Savings Bank. It's not one I'm familiar with
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Stocks and shares ISA
Hi all, I currently have 8.5k ready to invest, I have an IFA but wanted a second opinion. I will also be putting £100 a month into this fund. I am 22, have a 50k mortgage, no debts etc. Job with some disposable income. I don't really need the money but at the same time, I don't really have an emergency fund and would…
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Question on CGT share matching rules
Hello, I sold 1000 shares on 1st April, sold another 1000 on 10th April, and then bought 1000 back on 11th April. Would the CGT share matching rules match the purchase with the first sale or the second? If either, can I choose which? Thanks
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Club Lloyds vs Santander 123 vs isa
First off I’m rubbish at managing my money! Disclaimer out of the way… I’m looking for some advice on where to put my money. I currently have 2 accounts, Club Lloyds and a cash saver isa with them. The first question I have is - is it worth putting my savings (£6k of which are in my isa) into my Club Lloyds account?…
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What to do with my savings - Isle of Man
Hi, I live in the Isle of Man I have £20k sat in my standard Lloyds Offshore savings account. I am considering buying a property (the £20 being part deposit), and have mortgage approved, but not in a hurry as I've just signed a 6 month lease and not seen a property I want yet. I feel like the savings are wasted sitting in…
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Making my money work better for me
Hi All I'm not massively savvy with savings so am looking for a bit of advice. I've got roughly £25k dotted between a cash ISA that has easy access and some e-saver accounts that were used for different things and I still put money into each month. Some of it is tagged for upcoming maternity leave cover, say £5k of it and…
