-
Forced savings
Being an impulsive buyer I always look for the ways to save money and not spend on shopping any more. But every time I break my rules and now I am out of credit and I need to buy some electronics for my home. So I was thinking to go for forced savings. I have heard a lot about a layaway plan and have checked the List of…
-
Investing in companies Pre-Brexit
Goodmorning, I have been thinking lately about Brexit and what it will mean for our country, the people and companies not just here but worldwide. I've had an account with H&L for about a year now and been trading small time with not a great deal of profit but not bad either. With Brexit looming next month it is a…
-
Trading USA shares with XO.co.uk
I was looking into this and had a great conversation with one of the supervisors at the XO trading desk I wanted to consolidate what he told me, if it helps others, but also ask if anyone else has experience with this or can comment on any aspects XO dont apparently allow you to buy foreign listed shares. They will allow…
-
ISA platform
Hi MSE friends I've a query regards to S&S ISA accounts please I'm currently investing small amount monthly in Charles Stanley direct. It's all invested in Vanguard life startegy I wish to invest directly with vanguard as low charges and will make a difference If I'm investing for 15-20yrs. My question is - am I allowed to…
-
Why would you get Investec's 1 yr fixed term deposit when its 95-day notice a/c pays the same?
https://www.investec.com/en_gb/savings-accounts/access-after-a-fixed-term.html https://www.investec.com/en_gb/savings-accounts/notice-plus.html The 95 day Notice Plus account not only lets you take money out early with no penalty, it also allows you to extend it to a date that suits you. Furthermore, it lets you open it…
-
Trust Fund or similar for non-UK child?
Does anyone know a good scheme for investing small amounts regularly, ideally with a tax break, for the benefit of a child who is not British or a British resident? My 5-year old godson is a Spanish national, currently living in Germany. When he was born, I set up a Bare Trust for him with the Scottish Investment Trust,…
-
Investment funds - Morning Star ratings
Does anyone on here pay much heed to Morning Star ratings? Out of interest I did a search on iWeb for funds with a 5-star Morning Star rating (performance in comparison to similar investments) with a 'High' Morning Star sustainability (environmental, social, governance) rating. I then sorted by lowest Ongoing Charge Figure…
-
'Equivalent' investment trusts
I have an ISA and a SIPP with HL and historically have bought various funds in those wrappers. Now I understand a bit more about how the charges work, and the importance of minimising charges, I'm looking at replacing those funds with stocks instead. I currently think that investment trusts are sensible, along with ETFs.…
-
USD & EUR investments in UK
Hi All, My parents are looking around for options how to invest in UK about 80K EUR and 80K USD preferably at fixed rate. They were in touch with high street banks and were told that they only have sterling deposits. Any ideas? Thank you in advance! :beer:
-
Birmingham Colleage House investment distressed
This investment project (in 2013) is about student accommodation in Birmingham, similar to many other student accommodation projects in the market. It provided 9% annual returns guaranteed for 2 years through lease back. But after that period, the return dropped drastically down to 2%-3%. I am looking for other investors…
-
ISA Investment with Astute
Could someone please advise on a company called Astute paying 8% on a 3 year ISA? High risk!!
-
Tracking Corporate Actions / Dividends on a Portfolio
Are there are free tools where you can monitor any dividend declaration / corporate action on your portfolio? Ideally something which sends an alert when a dividend is declared along with ex-div and div payment date?
-
Tax man caught up with me....
I have a savings pot of £350k and have managed to avoid tax investigation to date. Unfortunately, they have caught up with me and although I have about £180k in ISA and premium bonds, they have collared me for a bit in tax..... So, how do I escape the tax burden guys....? I have the ability to take out another ISA in April…
-
£25000 - where shall I put it?
Hi there, What bank account or saving account would be best to put £25,000 in? I don't mind spreading it around a few different bank accounts and to be honest I don't need the money at time soon so could have it in an account where I can't access it for a year or two. Any help on this would be great, thanks.
-
£350K savings for care home fees
Any advice of any kind would be much appreciated. I'm used to getting a good return on smaller amounts but £350K is a bit daunting. Background: father-in-law is 94 and is just about to go to live in a lovely residential home. All good and there's sufficient cash and income for four years' fees. The house is going on the…
-
Selling US shares from the UK
My father recently passed away. He worked for IBM for over 30 years, during which time he accumulated a number of US listed shares, worth c.£100k. I am the sole executor of the estate and I have the grant of Probate in place. I am trying to understand what I have to do to sell these US shares from the UK. Can anyone help?
-
Sainsbury's 'B' Share Cert
Hi I have come across a share certificate in my mums name for: J Sainsbury PLC B Share Certificate Redeemable Non-Cumulative Preference Shares of 35p each. What I am hoping someone can assist me with is whether my mum was likely to have received the 35p per share capital repayment, or whether this certificate entitles her…
-
Savings for children
Hi, I currently work and every month once my salary is paid i put away £500 every month for my daughter, however as my daughter is only 5 years old, the money is in another one of my accounts. Are there an tax issues i need to know if and when I give her the money when she is older?
-
Switch to VLS 80?
I have a S&S ISA with Hargreaves Lansdown I currently have £6,000 in there and add at least £100 a month to it, the money is for my 4 year old son (when he's older so could be looking at in 20 years time) Its all in the Vanguard Life Strategy 100% equities at the moment. I've been doing a bit of reading and it seems I…
-
Best place to store £90K short-term?
Just exchanged contracts on our flat but yet to find a new property to buy so moving in with family for the interim - likely 2-6 months. Once we've completed the sale we'll have about £90K to sit on until we buy - where shall I put it?
