-
Couple, one HISA, one LISA...how does that work
My son and his GF are hoping to buy a house soon, one has a HISA, one a LISA - how does that work with the total house value limits etc - and I presume they can still get the bonuses with the house?
-
Convert GBP to AUD
Hello, I have some GBP savings in my account here that I would like to put onto my mortgage in Australia (I moved to the UK last year). Am I best to use something like Transferwise, or take cash back with me when I next return home and convert it locally? Thanks in advance!
-
Vanguard Lifestrategy - fees and popularity
Am I right in thinking that if I opened a Vanguard Lifestrategy ISA the annual fee would be 0.15%+0.22%=0.37%? So £37 a year on a £10k investment? I have seen Lifestrategy suggested a lot on here. I appreciate the fees are pretty low, but I understand it is not an actively managed fund and read on iWeb that there are many…
-
Financial planning advice
Post removed
-
Fund terminology help
Hi Can anyone tell me what the differences are between "growth" & "dividend" and "income" vs "accumulation"? In HL, most of the funds I search for are offered as either "income" or "accumulation" and I understood the difference to be a) accumulation the profits are reinvested and b) income the investor is paid out. So how…
-
selling funds after probate
Hi Me and my brother have had our late mothers investments handed down to us jointly. They are now in HL my brother wants to sell his share of them the value now is 79,776 . The probate value of them was 74,766. these are held outside of a ISA do I need to transfer them to a ISA before selling them to avoid CGT on this…
-
US Withholding Tax
I understand that SIPPs can reclaim the 15% Withholding Tax on US dividend paying shares, but not all do Which SIPPs actually do and have been confirmed to claim this back and which dont?
-
Share Dealing Custody Fee's?
My Share dealing company i have my shares in has now started to take a custody fee for what i hold i am after some advice the best place to keep them without any fees been taken as i am not looking to sell anytime soon? Thanks Steve7
-
Easy Savings Accounts ease of use
I prefer online accounts which are easy to use, so wasn't sure where to go for ICICI, Marcus or Cynergy I recently opened an account with Marcus (Goldman Sachs), and found it very straightforward to apply and to operate. Each time you log in, you are sent a one-time code. Money withdrawn was received without delay. Much…
-
Starting to Save!!!!
Having managed our way successfully out of debt over the last few years, we are now in the position to think about savings and investments. We can comfortably afford to save a few hundred pounds each month. Where is the best place to do this? What would also be best savings Vs investment.
-
'Guaranteed 12% return' on investment
My friends have a tidy sum to invest and are looking round for suitable places. They have told me that they are meeting an advisor next week who is pushing a guaranteed 12% return on capital. The investment would be in hotels. It all sounds dodgy to me, but has anyone here come across this type of investment and thinks…
-
Dividends - and Tax Implications
Hi, I really need some advice. I need to fill in a self assessment form for my late Dad. He had a few shares. I can work out where the dividend figure on the taxman's paperwork came from.....but it prompts a question. If I use the Trustnet site (I could find the dividends amounts and dividend dates there), then one of the…
-
Isle of Man or Jersey account taxation
If I am not a resident of the UK and have Isle of Man or Jersey accounts that do not bear interest are my transfers into the account taxable?
-
Buy to Let in North East
I am looking to purchase a buy to let property in the North East around the Durham/Darlington area for under £100k. Looking on Rightmove you can get modern 2 and 3 bedroom properties in the area well under £100k so looking for areas towns villages that let out well and those to avoid. Would be interested to hear from any…
-
Help, savings in Euro need to change to GBP
Hello, I live in Malta with my fiancee and have done for the past 2 years, we're both from the UK and we are saving to buy a house back in England, we have our salaries going into our Maltese bank accounts and we're trying to work out the best way to change our savings from euros to pounds. We've looked around and a…
-
Do your friends / work colleagues save and or invest ?
Just interested in others experience with this.... I don't know many people that save much if at all from their monthly wage. As for investing in stocks and shares I literally know nobody. When I speak to others about investing (what I save per month goes into stocks and shares), they look at me like I'm putting it all in…
-
Question about Corporate Bonds
Hello, can someone help me with the following question please. I understand how corporate bonds work (so no problem there), what I am not sure about it how to check (before buying a bond that was issued several years ago, but still has some years left to run), if the issuer has been reliably paying the coupon (interest),…
-
Investments strategy
Hello, If everything goes well, I would like to invest approximately each year: - Persion: £40k (for 25 years) - ISA : £20k - Ltd Surplus Cash : £15k Where do you recommand me to invest? - Persion : Growth / Aggressive strategy : SIPP, robo-advisor or IFA for best returns? Which are your favorites plateforms? - Ltd Surplus…
-
Moving funds into an ISA
So, it's been a pretty bad year savings wise and I've used none of this years ISA allowance. I've got about 100k in various ETFs and funds and I'm thinking of cashing in about 20k and moving them into a S&S ISA. Is there anything to watch out for in doing this? It would all be under AJ Bell, is it possible to simply move…
-
Jupiter European Opps - JEO
I was thinking it may be a good time to invest a little money into JEO as the share price is quite low and it’s trading at a discount? I know there are reservations about Wirecard being the largest holding at 17%, but Alex Darwall is a very experienced fund manager that works on a performance fee so you would think he…
