-
Stocks and shares - where to start?
Hi all - I'm looking to invest in some uk shares but don't even know where to start. I'd love to be able to do it and manage it all via an app, but every app I've tried doesn't show the companies Im looking for, even though i know they're on the stock exchange as I can see them in yahoo finance. So some initial questions…
-
Old unclaimed dividends and ARM cert
I'm stupid and never got my dividends paid directly into my bank account and sometimes wouldn't get round to cashing the cheques due to the small amount. So I have two dividend checks sitting on my desk from a few years ago so expired. One from Barclays and one from ARM. Both of very small amounts (under £5 each). How do…
-
Help to Buy and stocks and stocks and shares ISA
Can someone explain to me how I can combine a help to buy and stocks and shares ISA? I currently have a help to buy ISA (opened last financial year) but obviously the amount I can contribute to this is limited to 200/month and I'd like to save/invest more. My understanding is that the help to buy ISA is treated as a cash…
-
Pay into H2B ISA and LISA in the same financial Year?
Hello, I currently have a Help to buy ISA (H2B ISA) in its second year. I want to pay into both H2B ISA and Lifetime ISA (LISA). Can I pay the full £2400 H2BISA and £4000 into my LISA in the same year? I want the H2B ISA bonus for a house and LISA Bonus for retirement. I found this on MSE website which says I cannot,…
-
WWYD? Sell caravan to increase deposit
Hi I got my dream caravan last year. I work term time so use it every holiday and weekends. The site fees and all bills come to 5k a year ouch! I want a bungalow for the future and prices are increasing all the time as in demand type of property with aging population. So should I sell my luxury item for 25k to use a…
-
Savings for a 15 year old
Hello, I'm after some advice please. My 15 year old Son has inherited £40,000. The terms of the will state that it has to be held for him until he is 22. His Grandmother hoped that he would do something sensible with it, ie use it to get on the property ladder when the time comes. Could anyone please suggest the best place…
-
Help to buy ISA on Static Caravan?
We are just opening help to buy isa for my kids, my son wants to know if he can use it to buy a static caravan as he wants to live on a caravan site. I know it's silly and by the time he can afford moving out he'll have grown out it, but it did raise an interesting point, if by 2030 he isn't in a position to buy a house…
-
Calculator for regular savings?
Looking at another regular savings account and comparing the rates to an ISA. Which will create a greater interest say put £100 pm away at 2% or stick £1200 into a savings thats only 0.5%. Anyone got a link to a good online calculator? Without switching current accounts or setting up more direct debits finding decent…
-
new s&s isa x 2 help
Have just finished OU Manageing My Investments and still confused. Recently opened S&S isa with iWeb VLS 60 acc. for OH last tax year. Now ready to put 2 x 20k for myself and OH, thinking of Unit Trusts.Slowly moving savings from fixed rate to investments but need income going forward for OH imminent retirement. Just…
-
Living abroad, what to do with savings?
Hello all, I was hoping for some advice here. I've been living in Japan for the last seven years and have quite a bit saved up in both my Japanese and UK bank accounts. However since I am not eligible for a UK ISA and the current saving accounts are really low, I am wondering what I should be doing with this money? I'm…
-
Is an S&S ISA Contract Note authoritative?
I had a contract note from Charles Stanley Direct, for my S&S ISA (purchase of an OEIC index fund), so I entered the unit price and number of units and the dealing date into my record keeping system, as I always do. A couple of weeks later I was logged into CSDs website to check on the account charges, and I see in the…
-
New to Sipp Help
Hi all, I seem to have finally got my head around setting up a s&s isa. Im really trying to get a hold of managing my finances correctly. I invested a lump sump into VLS60. And i still have a large pot for emergency cash in high paying current accounts. I was enrolled last year into a workplace pension but my employer pays…
-
Old Help to Buy ISA & new Lifetime ISA
Hi, I have Help to Buy ISA for both my sons with about £3800 in each. If I were to stop paying into these HTB ISA's and started to invest in a new Lifetime ISA would they still be able to claim the 25% from both ISA's when the time came to them to buy their first homes? or do I just continue in the Help to Buy ISA. If I do…
-
S&s lisa
Hello I am turning 40 on the 10th of May and going to get an S&S LISA before, which one would you recommend? I am looking at the one from Nutmeg. And does that mean then once there are LISA available in June, I will be able to transfer although I will be 40 then. Thank you
-
Cash ISA to Lifetime ISA - Question about Withdrawal for 1st house within 8 months
Hello I saw few posts about Lifetime ISA and I missed about this new Lifetime ISA product. I apologise for few questions because I couldn't find FAQ's for my situation regarding withdrawal. I was saving for the last few years in Cash ISA for my 1st house deposit and trying to buy my 1st house for the last 1 year. I don't…
-
Question about Nationwide smart limited access saver account
Hi all. I have recently opened a Nationwide smart limited access account for my son. The account pays 2.25% on up to £50k. At the moment I am using the account as it is intended, a savings account for my son's future, saving £100 a month, however I do have some other savings earning nowhere near 2.25% and I'm the trying to…
-
H2B vs. housing deposit?
...............
-
Lump sum but may need access
Hi, I have £5000 to put somewhere and earn as much interest as possible. The catch is that i may need to access some or all of the money in the near-ish future (maybe within the next year). I would also like to keep it separate from my current account, so high interest current account which require a minimum monthly…
-
Tax on 3 year 65+ NSI Gtd Growth Bond.
I took one out on 6/4/15. I've always understood that interest is taxable in the year that it is credited, even if it can't be accessed till the end of the term. So I expected to have taxable income in 2016/17, 2017/18 and 2018/19 - all within my tax-free allowance. After a year I received a statement dated 7/4/16. It…
-
£70,000 for a property - short term strategy
Hi, I've got approximately £70,000 (could increase soon to £90,000) sitting in regular savings accounts with interest rates averaging at just under 1%. I'm planning to purchase a house within the next 1 - 2 years and intend to use this money to fund this purchase. I'm looking for somewhere to place this money so that it…
