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Sharelink
Hello, I'm trying to trace shares purchased through Sharelink in about 1988 by my partner's deceased father. As far as we know he never sold the shares but we're wondering who now deals with shares bought through Sharelink?? Thanks :)
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Investment fund charges confusion.
Hi there, I have a number of investments in funds with 3 different companies. They are all in ISA wrappers. When looking at the unit prices, depending on where I look, I get different prices. This is related to the 'class' of shares or units I hold. I have "A" class and "R" class, all in "Acc" type units/shares, which I…
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Where to put my money?
Hello I’m fairly new to this forum and would appreciate any help with my query. I am a little confused as where to put my money. I have already put £18,000 into a savings account as I believe this is the maximum I can put in before I get taxed. I was wondering whether an isa would be the next best place? Any help would be…
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Crowd Funding
Hi I recently realised that my dream of owning a bar is not going to happen so I was thinking of investing some of the money that I had saved into crowd funding projects like those on Crowd Cube. However I've not really invested before in things like this and don't want to just take the blurb that is written against the…
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Child Savings Accounts
Hi, I want to open two child savings accounts for my grandchildren and if I understand it correctly because I am not the parent of the children there would be no tax payable unless interest exceeded child's tax free allowance. Also on my death presumably one or both parents would then take over the account and the tax…
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Interest on Tax Rbate
Good Afternoon, could somebody out there please help.My husband was due a tax rebate in Sep 2014. The accountant who applied and got the rebate paid into his account on the 19/09/2014. He kept hold of that money until 26/01/2018. Can anybody give me a figure of what you think I should have got after waiting over 3 years to…
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Lifetime ISA penalty before bonus?
I have a lifetime ISA that I opened in June 2017 and was patiently waiting until June this year so I could get my bonus and use it towards the deposit on a house. This week a house came on the market that is just right for me & my family and I'm tempted to jump on it but in order to pay the deposit I will need to use the…
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Ulster Bank to cut interest rate on eSavings accou
The once headline interest rate of 1.25% on the Ulster Bank eSavings account is being reduced to 1% on 6th April.
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Paragon Bank - sharp practice?
I have an 'instant access' savings account with Paragon Bank with a current account. I requested (online) a withdrawal on the afternoon Thursday 1 Feb, however it has taken until just now (c. noon today) for this to appear in my current account. I think this is in accordance with their t & c (see below), however it appears…
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Best ISA / SIPP for buying foreign stocks
Good evening, Most UK SIPPs / ISAs charge high FX fees for buying eg US stocks. Any ideas what SIPPs / ISAs to use? Am investing 5-10 times per year, ie no heavy trading. Thanks
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Best Place for Redundancy Payment
OH is going to be made redundant in 35 days, and is being given £16000 as a settlement figure. I have a TSB account, and Natwest Rewards account in my name, and the qualifying DD's come out of those accounts. OH is going to go to college and retrain to do HNC in Childcare So we need access to the £16,000 - cannot lock it…
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Switch multiple accounts in one go
I have been saving using various interest paying bank accounts for my upcoming house move. I now need access to most of the money. I plan to keep my Santander 123 account open but close my 2 BOS accounts, 2 TSB accounts and one Club Lloyds account. There are various cross standing orders between the accounts and the 123…
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Percentage split cash, stock, bonds etc
HI I'm 47 and plan to start retiring in 20 -23 years. I have 18-yrs mortgage still, with salary sacrifice put 10% of gross earning into a pension, save 1/3 of household income for kids uni costs and investments. Currently that 1/3 goes into regular saver, Vanguard LS60, Funding Circle Loans, Premium bonds , and cash…
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App / Website to track short term movement
Is there an app or website I can use that will track the movements of certain funds. IE I plan to invest in HSBC global strategy, Vanguard life strategy and Orbis and would be happy if there was somewhere I could track their movements in a daily / weekly basis with graphs preferably. On an app would be handy but any…
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Funding the gap
We’re looking to invest to fund the gap between early retirement and claiming our pensions. We’ve got started but could do with a bit of a review. Here’s some background: We will both be thirty this year; we are looking to start a family in the near future. We both have career-average defined benefit pensions (TPS and NHS)…
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Charles Stanley Monthly High Income Fund
I've got about £20k to invest. I've already got a fair bit invested in stocks and shares ISAs and they have done really well over the years but in this case I would like to keep the lump sum intact and take a small monthly income. My ISAs are held with Charles Stanley and they have been plugging their Monthly High Income…
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Funds flout law charging billions in hidden fees
Another article from the Sunday Times, you really need to be very careful when dealing with any financial institute: Funds flout law by charging billions in hidden fees, says Gina Miller Investors are still paying dearly for a lack of clarity over costs The fund management industry is being accused of charging investors…
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Retirement was ruined by a financial planner
Sunday Times today has an article about how a financial planner lost a couple's ritiement fund of £400,000, and the advisor is still working - company he worked for has gone bust tho'! So be careful out there. Here' are few key points: "A financial planner whose bad advice cost a couple almost £400,000 has been able to…
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What to do with £2000?
Hello everybody, I have £2000 which I would like to invest. I do not mind having this lump sum subjected to some moderate risk but really my main aim is to beat inflation which would otherwise devalue the money if it was in a savings account. OEICs I have considered are the Vanguard LifeStrategy 80/100, Lindsell Train…
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Junior S&S ISAs
After lots of recent research in S&S ISAs for myself I have decided this is also the best route for my kids who are nearly 2 & 4 years old. So I'm after a platform for a junior ISA. I want Vanguard or HSBC Global Strategy but probably open VLS80 for one of them and HSBC Global strategy Dynamic for the other. Only problem…
