-
pension contribution to avoid tax, prior tax year
Hi, my wife earns about 40k from one job, about 12k from another and we have some money lent out too, She has paid 20% tax on both job incomes taken automatically and no tax on the money we have lent (which we presumably owe 40% on). We will of course be filling in a self assessment tax return and I think this means we are…
-
Hargreaves Lansdown Charges for Funds?
At the time of writing, Hargreaves Lansdown charge 0.45% capped at £200* per year across all holdings in an account for: "Shares, investment trusts, ETFs, gilts & bonds" But they charge 0.45% without cap for: "funds" Is an ETF not a fund? I'm sure I'm missing something obvious- go easy on me - how do I tell which of the…
-
400k
Hi Looking for general advice for my uncle he told me he has approx. 400k invested in stocks and shares ISAs he is considering seeking the help of an IFA and and wonders what the costs would be if he lets them take over his investments, just a general guide from the lowest charge to the most expensive. He also has other…
-
Regular saver or lump sum account?
I have a savings account for my son (who is now seven), that I have been putting into since he was born. It has £3,500 in it but is in an awful TSB account earning 0.49%. I have checked out Martin's guides and the Halifax's 6 per cent looks tempting, but I can only put in a maximum of £100 per month. My question is, is it…
-
CTF to JISA Transfer Times?
How long did it take for you to transfer your child's CTF to a JISA? Been waiting nearly 2 months for Nationwide to transfer to HL. Which seems like ages to me. Anybody else had issues?
-
Allocation: Input please:)
Hi I'm considering investing a sum of money and I'd like some input regarding my allocation. 40% in Santander 123 (earning 3%) 10% Property (mixture of Uk and Global REITS/ETFs) 25% UK (ETFs/OEIC trackers and/or UK Equity ITs such as Temple BAR) 8% Europe 8% USA 4% Japan 4% Asia (Ex Japan) 1% EM I'm investing for the long…
-
Help me to compare trackers in Morningstar Index: MSCI Europe Ex UK NR EU
My wife and I, respectively each have 15k temporary cash in an ISA with the following: Fidelity Share Dealing ISA or Halifax Share Dealing, Halifax Self-Select Stocks and Shares ISA One of us wishes to invest said 15k in a tracker in Morningstar Index: MSCI Europe Ex UK NR EU Can you help me understand charges, and…
-
UK Film Investments
Anybody know anything about this? http://www.ukfilminvestments.com/os23/ I know there used to be a tax dodge based on loss making films, but I thought HMRC had stomped on that.
-
Barclays Sharestore
Hi all,not sure if this is where to post but here goes.My parents have had a letter from Barclays sharestore to say they are transferring the shares to another company to provide the sevice or they can pull out and get a certificate for the shares.Advice please. Sorry for duplicating post
-
Skipton Online problem
I can log in okay and see accounts, but an error occurs when I click on the 'Pay Out' button. I expect to see the Grid Card pop-up but instead get an error message about "unexpected server downtime". This means I cannot initiate a payment outbound as I cannot get to the payment screens. Before I speak to Skipton, can…
-
24Y - Passive Investment Plan - Comments/Advice
Please see to end of post for update portfolio Hey everyone, First post here! Just graduated (as a dentist), and I've taken an interest in investing which I've followed up with lots of reading both online and in books. Thought I'd share my investment plan and would be very grateful of any advice/comments you'd have for me.…
-
Nationwide Flexdirect Account
I want to open a Nationwide Flexdirect Account and wanted to ask if you can set up Standing Orders on this account. I've looked on the website but can't find an answer on there. If you can't can you set up an online transfer to an external account so you can move the £1000 back and forth?
-
Which ISA
Hi - I am going to open an ISA and spoke with my current SIPP provider - Hargreaves Lansdown - about costs. They say to hold an ISA it is 0.45% per annum with a £45 max cap. Is this standard for ISA providers? I plan to hold cash and stocks/unit trusts. Thnx!
-
How comfortable are you?
I understand there's no one recipe for everybody...everybody is different, circumstances are different, blah blah blah If you have managed to establish, in a shortish sentence, how would you describe being comfortable? And if you have not yet established it, what would make you feel comfortable?
-
Property Partner
Hi, has anyone heard of or invested with Property Partners? Thanks
-
Help with savings
Hello I have recently received a payment of £50,500 from an insurance claim and do not know what to do. I am 23 years old, just finished university. As I am a scottish student i have no fees to pay off or any loans. I do not have bills etc. as i am currently living with my parents until i find a job and pay them dig money…
-
BM questions
Before I open a savings account with BM, I wanted to know a few things: 1) How is BM's online system? They share FSCS with BOS, Halifax, etc. is the online banking interface similar? My concern is sometimes the smaller banks have really bad systems which require phoning, writing letters, etc. to make withdrawals because…
-
Selling London Property and Investing the Proceeds
Hi guys - would really appreciate some advice on the below situation. I am 36 years old and own a London property which I moved on to a 3.99% BLT mortgage when I moved countries. The property is worth circa, 380,000 gbp with a mortgage of 227,000 gbp. As the rental yield is pretty low (month rental income = 1,200) I'm…
-
Only one sole name Tesco current account?
I thought you could have two plus a joint one but the application states : "I don't have more than one Tesco Bank Current Account already." whereas http://www.thisismoney.co.uk/money/saving/article-2652962/Tesco-Bank-current-account-offers-3-good.html "Couples can boost their earnings further by taking out a joint account…
-
Share Dividend
I took my eye off my shares as a higher rate taxpayer and duly received my expected dividend this Jun. I had intended to transfer them beforehand to my wife, who's a non-taxpayer. Can I still do so this tax year to reduce the 25% tax to 0 or do I have to accept the hit?
