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What to do with £50K
GIven that cash ISAs are now not much better than stuffing money under the bed, I have transferred my cash ISA into my S&S ISA. While I would like to use the money sooner, rather than later, I am happy to take a bit of risk in the hope of bettering the cash ISA 1% interest rate, but I'd like a more conservative strategy…
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Withdrawing money and passport
Has anyone here had to supply a photographic copy (held on record) of your passport when drawing money from your account? The sum was £750.
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Vanguard Target Retirement
About to invest my maturing cash ISA, and had planned on investing in a VLS 60 S&S ISA. Just reviewing performance etc and noticed their Vanguard Target Retirement funds, wondered if the asset mix/underlying funds is a better option...? thoughts and opinions gratefully received.…
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Calculation check
Sometimes I feel like I have brain damage. I've done the following calc and called it sales profit, now I 'm doubting myself. Idea being to split returns from generated income and net returns from disposals. The following are just tax cost numbers related to BEE but they could be anything, negative is capital in, positive…
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Would like to start saving but don't know where to start
Hi there, So I'm a student who is interested in starting to save small amounts of money each month but I have no idea where to begin, I'm just looking for some pointers to get me started, Thanks in advance
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Is a sipp ok for me.
Age 62 retired with small 10k pension, none taxpayer. Most of my savings are in cash ie isa, current accounts, and have around 18k in s&s ISA with the VLS40 fund. I am quite cautious so do not feel like adding anymore if i am honest to the VLS40. I know cash in isa will be eroded over time but i cant get past that at the…
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Should I put 10K in a US equity tracker now?
So my portfolio has been a bit of a mess but I'm slowly getting it into shape. I have £48K which is very underweight in US equity. To help bring it into balance I could use £10K cash I've just added to my ISA to buy a US equity tracker. I know the answer is yes, I should balance my portfolio and not try to time the market.…
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Small company - how much to take out as dividend and pension
Hi, I've got a small limited company (contractor) of which I'm the sole employee and I would like to take £20k out of the company. I'm happy to put it to either a pension or dividends. I've got £5k allowance on the dividends and then it increases to 7.5%. I can also add money into my new pension portfolio at a charge of…
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Finding a consolidated platform for Shares, ISAs, Funds and SIPPs
Hi, I'm trying to find a provider platform that will satisfy the following: 1) Allow me to manage my pension, stocks and shares and funds inside and outside an ISA 1a) Have a wide range of funds to invest in 2) Do analysis on all of the above as one pot or as seperate buckets 3) Charge cheap fees (I know thats subjective)…
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Fund for JISA
Originally I was thinking of investing in LEGAL & GENERAL UT L&G GBL 100 INDEX TST I ACC within the kids Jisa's, but now thinking it maybe better to go with HSBC Global Strategy Dynamic Portfolio C Fund Acc. Which of the two would be the better choice? Regards Chris
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Opening savings accounts from abroad
Hi there. I need a little help or advice please.... My partner and I moved to Japan in August 2014 and are still living there now. We pay tax in Japan. Whilst living there, we have been opening regular savings accounts in the U.K. to get a little interest on our savings whilst away. I know this strictly isn't allowed but…
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What bank do you use for compound interest?
I really want to start! Can anyone recommend a bank they use? And the interest rate?
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Drip feeding ISA allowance from Investment Account
Mr and Mrs have a large sum of money (large meaning more than mr and mrs's ISA allowance for the year coming to them. Step 1 - fill up £40,000 of ISA allowances - no brainer. Step 2 - put the rest into mrs' trading account (she's a non tax payer, he's higher rate) In ISA/non-ISA account it will all be invested in one…
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Skipton
As Skipton are closed today so can't ring them, can anyone tell me if their Faster Payments (in and out) are same day? For example West Brom's are next working day (they say because they're not a clearing bank). Skipton's t&c's state if transaction instructions are received by 3pm on a working day they'll be processed that…
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A simple, visual model of 2016/17
See post #8
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Monthly Income Article
Telegraph article http://www.telegraph.co.uk/investing/funds/make-investments-pay-monthly-salary/ about monthly income funds or buying funds distributing throughout the year. But this sentence confuses me. Quote: "However, anyone investing for income outside of an Isa – including within a Sipp – needs to be aware of the…
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Where to save £10,000 for a year
Hi I have £10,000 which I would like to invest for a year but I am not sure if a Cash ISA or a savings account would offer the best interest. Any advice would be gratefully appreciated. Regards Richard
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halifax reward account for existing customers
Hello I have a standard halifax current account Can I use switching service to reward current account and get £75 switch payment or is it just for non Halifax customers? Cheers
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Complete beginner
I am a complete novice to investments, all my focus on the last few years has been on getting out of debt and I've finally made it. I now need to get my head into a saving and investment zone and have been reading through the forums. I think what I'm looking for is a really basic step by step introduction into how to start…
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How long once savings/current account maturity date reached can you get another
There's probably another thread that shows this as I can't be the only person querying this and yes I appreciate I can just ask the banks themselves! I have several of the high interest current accounts and my tsb monthly saver has just matured so am opening a nationwide regular saver and a santander regular saver both…
