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Endowment maturity
I have an endowment maturing soon which will pay out just over 23k. I have an outstanding mortgage of 10k and no other debts. Im looking to possibly lock the money away for about five years when my son goes to uni. Is an s&s isa the simple and logical choice? Thanks in advance
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MoneyAM Free live share prices ended; any others?
MoneyAM taken over by 'Shares' magazine and now the free streaming share prices have ended. ADVFN do an equivalent but it times-out almost too quickly to be of much use (about 10 seconds) though it is just about OK if there is nothing better. Any other sites like MoneyAM that anyone can recommend for free streaming share…
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ISA Question
Hi, I opened an ISA in January 2019, It's my understanding that you cannot open more than one ISA in each tax year. With that in mind, am I able to open another ISA in the new tax year in April 2019? or do I need to wait until April 2020 to open a new ISA? Please, can someone clarify this thanks! :D
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Are property bonds a good investment?
I'm currently investing with bank and they offering a very poor return. I just thinking of moving this to another account with a better interest rate. so last days i am checking some of blogs and news, there is another opportunity in the UK property investment with 5 yr fixed rates return ??
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Financial advisers
I've been to see three independent financial advisers and all three can only offer me one product, that is their company product! Is that really independent? Also how do I trust them with my money that I am investing, what happens if the adviser or the company s/he works for disappears!? I thought financial advisers,…
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Saving for a mortgage. Next step?
Hi Everyone. I know the subject of mortgages probably comes up all the time but the info always stops at help to buy ISA's and LISA's. I started a LISA last year and now I have maxed it out for this tax year but I am still no where near able to get a mortgage so need to keep saving. Where is the best place to keep saving?…
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Best Bank For Stocks & Shares ISA?
I currently have about 13k in an HSBC S&S account, only one I've ever tried. Returns are decent but was just curious if anyone would recommend putting it somewhere else for greater return or other benefit?
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Dividend share problem Help Needed
I currently have an employee share scheme with a large international company who will be splitting come the 1st of April 2019. I have been told as I'm a high tax payer I will be charged 32% tax on the dividend shares I receive. I've spoke to HMRC and they confirm this so my question is what can I do in quick time to…
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What is a CDI?
XO and AJ Bell seem to offer CDIs instead of US shares Is there any upside or downside that should be aware of? I have been told by the platforms there is a Market Side Charge, a charge by the provider for offering the CDI. Does this make them more expensive? What platforms allow you to hold the actual shares? Thanks
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Best Bank Accounts for ltd Access and interest
If I were to bank up to 75k or so with only the slim chance of having to ever withdraw anything (and possibly provide notice on that) which accounts offer the best interest to build up the money? Is there a list of accounts to choose from and are they are reputable? I seem to remember from the past that the big high street…
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Help needed
Hi guys I need help on deciding whats best to do with my money. My wife passed away in January due to cancer at age 37. Thankfully we had taken good advice years ago and setup multiple insurance policy's that have paid out. We have two young children and I want to invest the money in the best way possible to make it grow…
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Approach to SIPPs
Hi all I am back to gather some ideas for a SIPP I have just opened to maximise the tax relief available and to learn from some of you who have been running your own SIPPs for years! Just some background. I am in my late 20s, have a DB Career Average pension, am running a S&S ISA as well. S&S ISA holdings are basically…
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Best Accounts for saving
Hi guys, Just wondering what's the best accounts for saving (looking to build up for a house deposit) but also like access to my cash just incase
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Help me understand "accumulation" versus "income" funds
Hi all, I need some help! I've read so many websites to try and understand the difference between accumulation and income funds, but there's something I still just don't get. So the standard explanation you read is this: "With income units, income is paid out to fund holders as cash. This could provide the investor with an…
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Foreign Accounts to Insulate Against Brexit?
Hi, I believe the pound will crash massively after we leave the EU (though I still hope the government will see sense and cancel article 50...) Therefore I wondered about opening a foreign account? Current EU rules say I can have an account in Europe without residence, but what will happen when we leave, if I have opened…
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How much do you get when 12 months is up?
Been looking at getting this "Get 5% interest on £2,500 FIXED for 12 months, though only 1% afterwards" Open a Nationwide FlexDirect* account and you'll get 5% AER interest on the first £2,500 of your cash, fixed for a year, as long as you haven't had a FlexDirect account before and you pay in £1,000+ each month. Note that…
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Shares and inheritance
Hi, Sorry I'm not savvy about shares at all but hopefully someone can point me in the right direction. My grandmother passed away in 2008 and I was still under 18 at the time. My aunt was the executor of her estate so to speak. At the time, my aunt and dad did not speak and I remember her asking him to provide details so…
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Investment idea for a 3 year old
Hello all, Please any idea on the best investment that I can make for my three year old. I want to put away £80 per month for the next 18 years. Not sure if junior ISA will suffice as I don’t want my kid to blow it as soon they are 18. Is it worth putting in a trust fund etc. Any ideas will be great.
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Switch bonus and tax free allowance
Can anyone tell me if the current account switching bonus that some banks give (First Direct for instance), counts toward your £1000 tax free interest allowance. Cheers
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Alternatives to Interactive Investor
Hi folks I am a complete novice when it comes to shares, but I have a small amount of RBS shares that I bought using TD Waterhouse, who I understand were bought by Interactive Investor. II are now charging me a fee of around £100 a year, which (I think) they give you "credits" for, which presumably you can use to buy more…
