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MSE News: Cut to tax-free dividend allowance to be shelved
Plans to slash the tax-free dividend allowance from £5,000 to £2,000 in April 2018 have been dropped...Read the full story: 'Cut to tax-free dividend allowance to be shelved' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro…
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Stobart shares
Does anyone have any views on buying these shares today?
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Euro Account - BUNQ
I often receive payments in EURO so would like a Euro Account. Today I saw an advert for this bank but i've never heard of them before. Pricing looks very good but information is lacking on their website. Has anyone experience of using this company?
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Student with money saved...what now?
Hi there, I am now half way through my degree course. (Year 2 has just finished) and I have been saving up my money (Wages, Loan, Birthdays etc). I have around £15,000 and I don't know what my best option is. Any advice?
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Investment Trusts or OEIC's
I currently only have one IT in my entire portfolio (FAS - Fidelity Asian Trust) but I am considering adding a couple more instead of the OEIC's I have in certain regions/sectors. Purely as an example, if I was interested in Finsbury Growth & Income Trust as part of my UK holding would this be a better option than the CF…
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Tesco Bank
Received an annual statement from Tesco Bank yesterday and with it was a leaflet about the Financial Savings Compensation Scheme with reference to the limit covered being £75,000. MSE tells me it is £85,000 and so, confused, I looked at the Tesco website where again the stated limit is £75,000. Worrying that a name like…
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Advice Please
Hello everyone I turn 50 next months and my partner is 51. We don't live together as i have two children who havn't yet left home, but the plan is that at 55 I will be living with him. I have just sold my house to pay off debts and moving into rented accommodation for the next three years. I will have no debts and about…
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H & L customer service issues
Hello, For the first time I am having problems with HL. I provided a bed and isa instruction on 11 April and this still has not been completed. They have sold the share from my fund and share account but they are still showing as cash so have not yet been bought back in the ISA. Is anyone else having problems with them at…
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Exchange Traded Products
People often ask here about Exchange Traded Funds (ETF) (sometimes referred to as Exchange Traded Products (ETP) other ETP's are Exchange Traded Notes (ETN) or Exchange Traded Vehicles (ETV)) So I thought I would post a link to this explanatory website I got from the x-o website…
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'Risk-Free' Savings Over The Next 10 Years
Hi All, I'm 44 and looking to save the equivalent of the ISA allowance each year for myself and my wife up to age 55. I'm not looking for an inflation beating return because the purpose of saving is to allow me to draw the saved capital down over 10 years or so to give my SIPP extra time to do its thing (hopefully to age…
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where to invest £50000
ISA rates are rubbish but so are other savings, Any idea of where to invest a large sum of money for a non taxpayer over the age of 50 so will not be needed for a house deposit etc# i need the money as no longer a worker so this is a fall back sum for my pension
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Investing in the UK and currency risk
Hello all, I am new to this forum and to investing, have about 5k to start with, and the prospective of adding at least £700 per month to that. I've been reading JL Collins' Stock Series and a Random Walk Down Wall Street, and I've been leaning towards putting my money into Vanguards' 80% Lifestrategy Fund, via an ISA…
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Endowment policy maturity / reinvestment
I'd be interested to hear people's thoughts on the best way to handle the maturity of my endowment policy which is due to mature later this year. The policy was taken out with Barclays Life now managed by ReAssure and is invested in the BL Managed Series 3 fund. Current value is in the region of £26k which would have left…
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80k 1 Year Saving
Hello, I have £80,000 to invest / save but only for one year. I do not want any risk on this money as at the end of the year it will used to pay off the mortgage in its entirety. Why don't I pay it off now you ask? Well because firstly it will attract a fee (we have already spent the 10% of balance overpayment for this…
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Help to Buy / Lifetime ISA query
Apologies if this is a silly question, but if the 'rules' regarding ISAs are changed at a later date, do we forfeit/lost any bonus that has accrued up until that date? The reason I ask is that I am finally in a position to start putting money away into either a Help to Buy ISA or a Lifetime ISA. In the case of a Lifetime…
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Regular savings - help for an amateur, please!
I find the otherwise excellent help given by Martin's advice pages intimidating if only by its sheer length and complexity of detail. Can anyone cut through the bumph and offer a word of advice about what to do in my own situation? Having locked a large proportion of our savings away in a one year fixed rate account, I am…
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What to do with £10k inheritance left to 17 year old
My sons have each been left £10,000 by an elderly friend of their Grandma. While one of them is 19 and able to invest his money as he wishes, the other is 17. My mother and I are executors of the estate and I have been told that it isn't always necessary to set up a trust for such bequests, depending on the amount left…
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Black rock consensus 85
Could someone explain the different versions, please? There seems to be four versions A, D, I and X. I want an accumulation version. Thanks.
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Where should I start?
So I'm looking to start a regular investment into stock and shares. I believe investing in funds would be better in terms of diversification, rather than direct investments in stocks as I am not willing to risk sufficient funds at present to diversify on my own. Having a quick look around, in the very least for the short…
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Savings accounts paying interest yearly - is tax incurred on accrual or payout?
I am looking at buying a house in another county before I have sold the old one. Eventually I will have about half a house worth of cash, ready for my part of the purchase as a cash buyer. I need to manage the paltry interest I get so it fits under the new £1000 personal savings allowance, and it is not clear to me when…
