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can an unemployed person have stocks and shares ISA?
I am working full time and have a stocks and shares ISA but my provider does not deal with some open ended investment funds. I was wondering if my wife can open a stocks and shares ISA. She is not employed, has never worked in the UK. She has a UK NI number and normal current accounts etc.
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Halifax ISA Investor Fund Charge
Hi Everyone, I am currently looking at investing my entire £15,240 allowance in my Halifax ISA Investor but was told the fund charge for doing so would be over £500. This works out at over 3% of my new investment. Now it is over a decade since i last invested a lump sum amount of this size in the account but i don't…
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How can I buy shares in companies being floated on foreign markets?
Hi there, I would like to buy some shares in a company which is being publicly floated on the Australian Securities Exchange (ASX) next month. I've never bought shares myself before, but understand I probably need to find a broker to set everything up, so currently that's what I'm looking for. If anyone has gone through…
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Policy Repayment
I have a policy that is about to mature soon. They want to pay the money into my bank account. However my bank account is in my maiden name (which I have no intention of changing) and my policy is in my married name. For understandable reasons (I.e fraud) they will not pay it in my bank account as the names do not match. I…
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FTSE all share tracker ISA
Currently have ~2k in this ISA which I try to top up at the right time (dips in the ftse) and just looking for a little advice as to whether this is the best strategy. I have other savings in high interest accounts so am happy for 2-3k to be in this type of ISA, which will build over time but currently house saving takes…
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ICICI Deposits
I've just opened an ICICI Bank HiSave SuperSaver account. Does anybody know if you can really only make a deposit from your nominated account? They say: For HiSAVE Savings Account or HiSAVE SuperSaver Savings Accounts: Nominated Linked Account will be the account from which your initial deposit must come. It will also be…
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Financial Advisor recommendations
Hi, I'm an expat with properties and savings in the UK. I'm looking for recommendations on a Financial Advisor who can help with new investments, saving plans, recommendations, etc. As I am not currently UK resident (this may change in the near future) face-to-face meetings are not possible so everything would need to be…
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Savings Acc Versus Current Acc?
Hello, I'm new to this. Could anyone share their experience of having savings of £20,000+ and no mortgage to pay, where is the best place to put my money. Should I split between lots of accounts or stick with one. TIA
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Legal and General investment bond
My parents need to free up some funds to complete a house purchase. They have some money invested in a Legal and General investment bond which is in some way sheltered from tax. They can each withdraw 5% of the initial deposit for each year it’s been held without tax penalty. My mothers income is below the tax threshold…
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Can you get around minimum monthly pay-in by taking £ out then putting it back?
Hi, Would appreciate a quick bit of advice. I am in the fortunate position of taking a year out this year, but naturally this means I won't be getting a monthly salary. I want to move £ out of my Santander ISA somewhere else to get a better rate (savings account or ISA). This money will be used as my monthly income while…
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Cheapest broker for SIPP
Hi all, Looking for the cheapest broker for SIPP - probably putting it into vanguard index tracker (unsure of the life strat 60 or 80 yet) Looking to reduce charges from the start :) (current investments are via cavendish) Thanks
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Transferring Share Ownership
I'm the sole beneficiary of a trust set up by my father who is now deceased. The trust holds shares worth £130,000 which I'm due to receive on my next birthday, when the trust will be wound up. I know nothing of these matters and would very much appreciate some advice. Do the shares have to be sold by the trust and the…
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Been offered shares in US company as payment - how do I turn those into cash?
Hi, I'm not experienced in the world of shares and so apologies for the basic questions... I own a domain name which a company in America is looking to buy. They don't have the cash and so have offered me shares in their company in exchange. The shares are subject to a SEC holding period which means I have to keep them for…
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Two Bank Accounts
I am thinking about setting up the following standing orders each month to ensure that: 1) I get £150 bonus for switching to Yorkshire bank next month 2) £5 reward from Halifax each month 3) 5% interest from TSB (Up to 2K) and HSBC (up to 1K) 4) 3% interest from Tesco Bank on the rest Salary to HSBC (2126.48) on 16th HSBC…
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Woodford Patient Capital
Email from HL says they are likely to want to raise some more money, since Woodford has more firms in his sights. Is this normally open to everybody or just to existing investors. Also if the NAV dips enough as it sometimes does on diluting would it just as good to buy the shares normally?
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Temporary windfall of House Sale Proceeds
Hi. I am about to clear £330k from the sale of my home, whilst we live in a rented alternative, looking for a new home to buy. Where should I deposit this money in the mean time? We are risk averse, we wouldn't put it in stock and shares even short term(!) I know about the £85 / 75k rule, and also understand that a…
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Personal Savings Allowance
I understand that from this April, the first £1000 of savings interest received per year by basic rate tax payers, will be tax free. This is called the Personal Savings Allowance. Does this mean that all interest earned on savings accounts will be paid gross by Building Societies, Banks and other providers? For basic rate…
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Share Trading: Long term savings
Hi all, I'm a relatively new trader (<1 year, read a bunch of books, work in finance sector), I've been using £10k as my initial investment sum with the aim of a 20% profit per annum. Whilst I am on target to meet this, the paranoia within me says it's newbie luck! I have a few questions if I may: a) For those who actively…
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What to do with money from Regular Savers
In the not too distant future, my 12 months of Regular Savers with M&S and TSB will be up, and I'm wondering what to do with the 2 x £3000 for another 12 months. I'll be renewing the above 2 Regular Savers so I don't want another account I need to feed monthly, and I don't have the time on my hands to manually circle money…
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How much money would i need to invest to make a very good return?
I am looking for investment advice. I have never invested money into anything before now, but i really want to start doing so in order to try and make good returns. I have a little saved up (£3000+) and am looking into the best possible way to make a return from this. Which investments would i need to make with such a…
