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Help on stocks and shares ISAs please
Hi my dad passed away recently leaving 150,000 in stocks and shares ISAs. Mum is 61 and needs to top up her income. She has £100,000 in her own cash ISAs and £20,000 in a current account. she is thinking about reinvesting my dads stock and shares ISAs. Is this a good idea. She would like to take 4 per cent income from the…
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Index Tracking Fund Which class to pick?
Hi all! I have been looking at the BlackRock UK Gilts All Stocks Tracker Fund. There are 2 class of the fund available. Class D which has an ongoing charge of 0.16% and Class H which has an ongoing charge of 0.11%. From what i can gather they are part of the same fund but Class D inception date is Oct 2012 and Class H…
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£50,000+ to invest in isa accounts
I've just received word today that I will coming into some money soon and will have a minimum £50,000 to lock away. Its the first time in my life that I will be able to do this and I want to make sure I'm doing the right thing and doing it right. I'm currently a Santander 1|2|3 current account holder, but that can easily…
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Your favourite tracker
Good evening to all, I'm thinking of including a tracker fund to my S&S ISA for next year and have started just looking into different types available. Not yet sure whether I should be looking for FTSEAll share, FTSE100 or maybe a Global tracker of trackers of some sort. I have plenty of time before April but in the…
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Barclays Wealth advice review
Hi everyone, Despite browsing the site for ages this is my first post, I hope that its in the right forum. I have today recieved a recorded delivery letter from Barclays Wealth saying that they want to speak to me to check that financial advice I was given in 2009 was right for me. Back in '09 i put about £3000.00 into a…
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Ecotricity Ecobond 3
New to this forum, never invested before (except ISA's), but have seen the new Ecobond offering from Ecotricity which is designed to pay 5.5% (or 6% to customers). They've issued two previously and these have both paid out fully (from what I've read) - so what are your views, comments, warnings on this? There's a certain…
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Exchange Traded Funds - Best provider
Hi, I have recently been looking into ETF's and will be investing a lump sum into a couple of good index linked funds, with a view to the adding to them on a quarterly basis. There is obviously a lot of platforms out there which offer these type of investments. I would be grateful if anyone could recommend one where the…
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Are R85 now unecessary
As interest will be paid gross from April 2016. Would non taxpayers still need to fill in a R85 on an account opened today if interest is paid on anniversaries ie. Nov 16 but would have to if paid say within this tax year Feb16 2016 and again every Feb after.
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Childs Savings Account
Hi, i would like to open a savings account for my grandson. is there anywhere that i can open one without his parents signature or birth certificate. its for a christmas present. thanks in advance julie:beer:
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What to do with children inheritance
Hello, My 2 daughters aged 7 and 10 have just inherited £85k each to be held in trust to they are 18 with my late uncle's solicitors acting as trustees. I am slightly concerned that they have suggested via an independent advisor that they should purchase an off shore bond. I am worried about not being covered by the FCSC…
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Quick saving question
Hi guys, If I want to work out my outgoings weekly…….do I divide my monthly outgoings by 4 or 5? As some months have 4 weeks in it, some have 5? Or am I doing it wrong / being stupid? I just want to know how much left I have a week after all my outgoings. Wages - £320 a week Rent - £125 a week Phone - £55 a month Mum - £25…
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Help!! I've moved to the US and HSBC wants my details
I have an account with HSBC and they found out I moved to the US and now are sending me letters wanting a copy of my passport. Some of the letters have said something about them needing to report the information to the IRS, and W9, and my tax identification number, I have no idea what that is. I'm both a US and UK citizen.…
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Bitcoin
Does anyone have an opinion on Bitcoin? The price has recently been going up and I am wondering if Bitcoin could be worth a punt? From what I've read the price could go to astronomic highs - or could go down to zero. Does anyone have experience of buying and selling bitcoin, or experience of spending bitcoin in the real…
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The BridgeCrowd
Hi Has anyone ever had any dealings with the BridgeCrowd, a peer to peer lending company? They have a really good cashback deal at the moment, where you get £250 if you lend £5,000 for 6 months, which I could afford to do. Moreover, the loan is secured against property and to me they look like a company worth investing in.
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Savings account with Direct Debit Option
Hi I want to find an account that will pay a decent amount of interest, but also allow me to set up a single direct debit. Do these things exist? I won't be paying into it regularly, just a single one time deposit. Thanks
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Children's fixed bond
Hello My son has just over £12k in his current fixed bond which matures next week. He is 15 and I'd like to invest it in a similar account for the next 3 years until he is 18. I've looked at JISAs but the max amount is less than he has. Does anyone have any recommendations for accounts paying more than 2% (The one…
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Share Incentive Plan Closing
I have had a share incentive plan at work for 8years. The company are now splitting in to 2 separate companies, therefore closing the scheme. I was hoping for an understanding of what I am being offered. The offer is 1 share for 1 share in the new company with a cash dividend, however I am concerned I will have to pay tax…
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Will I have to pay tax on my payout
Hi A company that I have shares in have been sold to another company and they have informed me that it is a complete sell out and I will be given cash for my shares. Do I have to pay tax on this payout? Thanks for your help
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My Ftse fund fell 3.5% yesturday, confused
The Ftse allshare index went up yesterday, admittedly by a very small amount. Yet my Vanguard FTSE All Share Index Fund Inc (VVAAAM) went down by 3.5% the same is true to a lesser extent with the developed world ex uk (inc) too. My acc versions of these funds in my ISA both went up. Is this because of dividends? I haven't…
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6 month savings from re mortgage
I have just completed a re mortgage, and have borrowed more money to help do some building work in the house. I have borrowed £130K, but probably wont need to access it for another 6 months. I am thinking £45K in premium bonds, £20K in my 123 current account, and the remainder £65K in an instant access account.... Grateful…
