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Halifax Help to Buy ISA Transfer to LISA
Hi! First post on the forum so go easy on me! :) I have recently transferred my savings from my Halifax Help to Buy ISA into my Skipton Lifetime ISA. everything went smoothly except last week I received a letter from Halifax stating account details and that in order to claim the bonus I would need to appoint a conveyancer…
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How to leave an inheritance?
Hi, can anyone suggest the best way to leave a windfall for my children when I die? They are grown up (just!) and have left home so not technically my dependents......I am unlikely to ever be a home-owner or have significant assets I could potentially leave them. Should I stick with my life insurance (and write the policy…
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Fees for liquidating a managed portfolio on death
A relative of mine has died and I am the beneficiary of the will. Some of the estate is in a portfolio managed by a well known wealth management company. I don't want to continue with the management firm, so I want to sell the shares and other investments. As selling the shares now is on an execution-only basis, i.e. I am…
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Subscription Shares
One of my shares is doing a subscription share offer, they are offering sub shares at 108p. As far as I understand it, this makes sense if the share price is going up, as I can convert the shares to normal shares later, and I would have paid 108p. However if the price goes down, the shares could become illiquid and nobody…
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Best way to save for my daughter
Hi everyone, I am a single mother to my 5 year old little girl. She has a Junior ISA with OneFamily which has £1000 in it but due to her being able to have access to that when she is 18 i am thinking about starting a new savings account for her which she can have when she is a bit older than 18 so I am sure she won't waste…
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SAYE tax query
My wife has a save as you earn share scheme. It’s matured but the current share price is lower than the purchase share price. Been holding off waiting to see if it will go up, but the 6 month period is up next month so she needs to make a decision. Is she liable ta pay tax as earnings if she withdraws the savings in cash?…
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Fund (my first) S&S ISA now, or wait a few days?
After reading and asking questions on this board over the past several weeks / months, I finally opted to open / fund a S&S ISA using VLS60. Last night I opened an account with iWeb and currently have 20k sitting there waiting for me to buy! Given the news I woke up to this morning, should I wait a couple of days or so to…
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Iberdrola Statement
I have some Iberdrola shares and get a yearly statement in January of each year. Equiniti say they were sent out on 25th January and should get it by 05/02/18 (yesterday). Not arrived yet. Any other shareholders still to receive their annual statement?
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Saving as a couple
Hi, My wife and I both have separate bank accounts/finances (it's always been this way and works for us at the moment). I currently have an ISA with HSBC and Lloyds but they're pretty much empty and they're both in my name only. We would both like to start saving more by creating a monthly standing order to some kind of…
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Woodford Equity Income V VLS 80%
Morning All, Advice needed. I moved my pension to a SIPP a couple of years ago. At the time I was just feeling my way about investing so split the smallish post (£20k) between VLS 80% Acc and Woodford Equity Income. Currently I am now up £3k on the VLS and back where I started with Woodford. This was an old pension and the…
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Sale of Fund H & L
Hello, Over the weekend I instructed H & L to sell some of my vanguard fund. The transaction is still showing as pending. Does anyone know how long it will be before this is processed? I am obviously worried about the present correction getting worse if H & L drag their feet acting on my instruction. Thanks
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27 year old Asset Allocation
Hi all, I have approximately 420,000 in total assets and they are split as follows: 135,000 cash - in a mixture of high interest current accounts and fixed rate bonds 285,000 Stocks and Shares - Some in an ISA and some unwrapped. Mixture of ITs, majority in Vanguard Lifestrategy 80 acc. I am looking to buy a house and…
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Please help, where to invest??
Hi I have been given an inheritance of 25k, and was looking for advice about where to invest this. i was thinking of putting it towards my mortgage (currently at 95k left, with renewal due next month), or investing in stocks and shares isa. Hoping someone can point me in the right direction about which is the best platform…
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Lisa etf
Can anyone direct me towards a single multi-asset ETF to invest LISA funds into with AJ Bell/Hargreaves Lansdown?
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Never Selling Your Shares?
Just wondered how many people here plan to never sell there shares (or atleast for a very long time) vs those who buy and sell regularly? When I first started I used to look daily at what I'd made or lost but came to find it quite up and down and depressing. Since two of my investments are doing badly at the moment (one…
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Bitcoin ETFs
Can anyone explain how Bitcoin ETFs will work? What does this mean? How likely is it that this will happen? I am assuming what this means is: - ETFs are pools of funds, which are then invested in companies in predetermined amounts - Bitcoin will be added as part of this set portfolio. ie, it's just another asset class that…
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Correction in progress!
I've just seen the largest (single day) spike in volatility I've ever experienced (currently @ 106%). Certainly it's looking like this is going to be the largest correction since 2015! https://uk.investing.com/indices/volatility-s-p-500-chart Time to look at what to buy with the cash I've been holding! More inclined to…
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Is this normal?
I have a child trust fund which is due to mature when my son is 18 in a couple of months time, I've today received a call from a financial advisor from the company to arrange a time to see me and my son to "sign the form" to arrange the maturity of the fund , is it normal that they come round your house to do this and what…
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Money after selling a house
We own two houses and will be selling both of them this year so we can buy a super house and get rid of the liability of owning both houses. After capital gains tax (which we would love to avoid but do not think we can), legal fees and paying off a loan that was raised to decorate and spruce one of the houses up we will be…
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Assessing your Risk level
The main thing stopping me from investing at the moment is choosing which fund to invest in IE VLS60 or 80 & HSBC Global Strategy Balanced or Dynamic. Anyone have a site they can recommend where I can answer a bit more of an in depth questionnaire than the standard 6 question ones you get. As I'm struggling to decide where…
