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Options trading : Income taxed or CGT?
Afternoon, Do any gains from options trading count for income tax as well as Capital Gains Tax? I read that up to £11,000 per tax year is CGT free. If, for example, I make £5000 trading profit from options in a tax year in a non ISA/SIPP trading account - and earn £50,000 in my day job - do I have to declare this £5000 as…
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silversunproperty.biz
Have had what appears to be spam / phishing from this company today. There a number of things that lead me to think so: 1) Headers use one of my email addresses, 'unsubscribe' sentence indicates it was sent to another. 2) The WhoIs site has no information on a domain owner for silversunproperty.biz 3) It offers "guaranteed…
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Trust Fund Return
Hi I have recently inherited 400k from my grandparents and I am thinking of putting it in a bare Trust Fund for myself and my children to use.Does anybody know what would be the approximate anuanl growth on a trust fund of that size with the fund invested in medium risk shares? I am just seeing if a trust would be the best…
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Best savings account.
Hello! I have never been interested in money because I've never had any. Things have changed a little in that my father has left me a large sum (it's large to me, but might seem like chickenfeed to others!) and I frankly don't know what to do with it. I don't want to invest it in anything as I don't trust anything like…
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Premium bond
I am planning to buy some premium bonds. I read on the website following, Bonds are not transferable at any time. Following the death of a Bond holder, the value of the Bonds will form part of the deceased Bond holder’s estate Can someone explain it in simple English. I do not want to invest money if on one will benefit…
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help on saving needed for june 2016
My husband is off to the euros next june. He wants to save around £1500 over the next few months and be able to take it out when he is in France. What is the best thing for him to do. I didnt know if he should set up an ISA then move the money to his regular hsbc account in June before he goes Any advice most welcome
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Interest paying current accounts
I want to open a few of these, as some ISAs are due to mature soon. However, I have no credit history, as I have never borrowed, except for a mortgage paid up long ago. Are there any of the providers, known to refuse because of this ? I have never been in debt.
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Virgin fund increased but valuation decrease
I've invested £250 regularly into a Virgin index-tracking UT but the valuation over the past 6 months on my statement doesn't reflect this. It says that the fund increased between two dates but the valuation has decreased between the same two dates. How can this be? Isn't this misleading?
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ISA fund depletion
Hi Folks I'm new here and not great with money and investments I have an isa that has been invested in for some 18yrs and (when i got a statement 2 months back) was worth approx £18K as a result of it not doing as well as i had hoped (basically doing nothing), i had a new investment op. lined up and today rang the ISA…
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where to put inheritence while i decide what to do
Hi everyone in approx. 6wks I am going to inherit somewhere between £50k & £100k I've never had more than a few hundred pounds in savings so it's come as a very nice but rather large shock. :eek::) I will obviously need to get independent financial advice to help me decide what to do with it but it was a major bereavement…
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Save now for help-to-buy isa?
Hello, everyone. I am trying to find an answer to a question as Google is not giving me any clear answers. I understand that if I want to get a help-to-buy isa in December, I cannot open a new cash isa in this tax year. I have had a cash isa for almost 3 years but I haven't really used it much. Since April, it has been…
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low cost FTSE 250 tracker
any recommendations with a low cost? vanguard?
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Whitbread Shareholders Check Your Spam Folder
This week we have received 3 mailshots with freebies from Whitbread consisting of a £5 Costa gift card, Premier Inn buy a Saturday stay get Sunday free and 25% off food until 1/3/16 at Beefeater Grill, Brewers Fayre, Whitbread Inns and Table Table. 2 of these went into the spam folder so check it out ! ;)
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Global (ex UK) v US/Europe/Japan trackers
I'm struggling to see the pros and cons over using a global tracker instead of a separate tracker for the US, Europe, etc. So far I recognise that it could be a little harder to manage overall (since there's more parts to keep in balance). There's also the potential of increased fees - except if I went with a…
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What would you do?
Hello all, new to the forum. I am a 24 year old graduate who has just started a new job having worked for another company after graduating in 2014. As part of starting the new job I have been given £1000 as a 'welcome bonus' which is fantastic. I currently have two ISAs (one inactive) with the Coventry Building Society at…
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investing in FTSE 100
I would like to invest in the ftse 100 as its down at present,not a huge amount,what is the best/cheapest way to do it,i would like to cash in on a 8-15% profit,if it were to happen.
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Savings account for someone with no credit history?
Hi Got someone in the family with special needs who is now an adult and their parent has asked me to open a savings account for them in their name - handy for birthday cheques etc. This person has never had a financial transaction in their name, never a source of income or bill or credit card or bank account etc. Ive been…
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Savings protection changes?
Hi...do all banks /BSocs offer penalty free withdrawals from set term accounts to allow reduction below new £75K limit? thanks.
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How is interest worked out on current accounts?
I have a TSB Classic Plus account which pays 4% interest (after tax) monthly on balances up to £2000. I'd worked out that seen as i have well over 2000 in there all the time, that each month i'd be getting 4% of 2000, so £80 in interest a month. However, can someone tell me how interest is actually worked out as today i…
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Two quick questions about the post office instant saver
Hi all! Considering using the post office instant saver as a way to save up for children expenses (the main advantage being ease of deposit for older relatives who don't like doing bank transfers). Just two quick questions, if anyone happens to know: - do these accounts come with a sort code/number for receiving electronic…
