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Have Oaknorth stolen my money?
I opened an ISA with Oaknorth recently, on suggestion via the MSE website. Yesterday, I transferred £500 into it to 'start it up' but obviously didn't read up on the requirements properly as you need to transfer £1000, which I don't have. Cue 10 minutes before connecting to customer services then the call cut off; another…
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Equiniti / Crest Transfer
Hi Am transferring my mum's RDSB shares out of Equiniti in to iWeb, and I need to complete the Equiniti transfer form (Form E). All good so far. Equiniti apply a £10 charge but the form needs to be sent to iWeb for their details to be added. My question is... Have others sent the £10 (cheque; they requested cheque) affixed…
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buying US shares
I normally hold UK shares or funds. Are there any additional tax implications or administrative requirements if I purchase a US share traded on NASDAQ in a normal dealing account, not SIPP or ISA? If the platform gives the choice to buy in USD or GBP, does it makes sense to choose one over the other. My account is funded…
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Leaving cash in Fidelity platform for fees
Hi I have a sipp, AVC, ISA with fidelity. I notice they sell find units of their choice to pay for charges and fees and there are fees on those small sales also. It's it more first effective to leave cash in the 3 accounts to pay these fees or just let them sell units? If i leave cash out will be out of the market and i…
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NS&I still worth it?
I know Martin has mentioned this in the past, but wondered if the stance had changed at all, as I have heard conflicting things, from they are good (and safe) to not worth the odds of winning anything on Premium Bonds as interest? I did have some Premium Bonds years ago and withdrew as it wasn't much, but now I could…
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How would you invest £1000?!
Hello! What would you recommend to someone who had £1000 to invest but was a complete and utter novice? - Not looking for spectacular gains. - Can pay up to £100 per month into an account - Would like the option of having access to the money fairly easily Any tips or advice hugely appreciated. Cheers!
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Is this a scam
Hi guys and gals, I saw a company (Fluid Bond isa) advertising on facebook with an isa which they claim give 6% a year, is this a scam! has anyone else come across this isa, they wont send out any details of the isa until they have spoken to you on the phone, any advice please
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Fees 'n' Funds
I've been investing in a S&S ISA for myself and JISA for my daughter for the past year. Both accounts have roughly £1,500 in currently and are with Orbis. My daughter is two, and I plan to invest just £25 per month plus occasional ad-hoc £200 additions at birthdays and Christmas. My S&S ISA was set up mainly for me to get…
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Am I ‘first time buyer’ if I'm a beneficiary of a discretionary property trust?
I've never owned my own home, and want to open a Help to Buy ISA. However, in 2005 my Father died, and two years later my Mother set up a Nil Rate Band Discretionary trust of which I am a trustee and a beneficiary. An Instrument of Variation was applied to my Father’s will and the value of his half of the house was then…
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Helping a friend
So a friend/colleague has asked me for some advice on where to invest last years ISA allowance They have no equities exposure aside from employees share schemes. They have cash savings. They are comfortable in taking a 5-10 time horizon. They want to invest in the market but are relatively risk adverse. I explained to them…
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Nationwide Flex Account
Hi, Can I open a Nationwide Flex account at 5% with £2500, and use my Santander 123 to transfer the needed £1000 a month into the Nationwide. Then transfer that £1000 back out to Santander to get the better interest? Then repeat each month? Or does the £1000 need to be left in there? Thanks
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Cash ISA
Can I top up my existing ISA with this year's allowance,and then later this year, open a new one and transfer my existing one into it?
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Savings are 17k after buying house - what next?
I have 17k in savings after buying a house. What should my savings strategy be. How much will i need to build up to ensure i can buffer myself against any circumstances?
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Maximising potential interest rates with savings by juggling accounts
Hello people - could I please get a sense check on this idea? I have £81,000 to put somewhere reasonably easy access (i.e. max 90 days notice). I had thought about splitting the amount between: Charter Savings Bank 95 Day Notice - Issue 22 1.90% AER Charter Savings Bank 60 Day Notice - Issue 9 1.61% AER (to give me a bit…
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Charges/OCF for F&C Investment Trust
I'm a bit confused about the overall charges for holding F&C IT. Fidelity has quoted me an OCF of 0.79% but I think this includes the transaction costs, however Trustnet have the OCF at 0.65% and Interactive Investor and the AIC at 0.56%. Who is right or are some platform including transaction costs?
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Interactive Investor to roll out ‘Netflix pricing’
Interactive Investor to roll out ‘Netflix pricing’ https://www.ft.com/content/c9b7bd14-57b0-11e9-91f9-b6515a54c5b1
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Asset allocation ideas?
I'm trying to create a more balanced and diversified portfolio mainly based on index trackers, 25-30% bonds and 70-75% equities. Here's my ideas- Bonds 30% - Rathbone ethical bond fund (as I currently have this and seems good performer) Or else change this for Vanguard global Index Fund and Vanguard Investment grade Bond…
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Need a savings strategy
Looking for some help please on putting together a savings strategy. I currently pay money each month from my company into a SIPP. Within my take home salary I try to employ this strategy: 40% - Fixed costs 30% - Variable costs 20% - Savings 10% - Pension I have a personal pension which I pay into which is where the 10%…
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NS&I Index Linked Savings Certificates renewal
Hi, would really appreciate advice please: Have received a renewal invitation from NS&I and the rate being offered is CPI +0.01% over either 2,3 or 5 years. I understand that the interest used to be based on RPI and that CPI is lower but have no idea whether this still represents good value? My gut feel is to keep it as it…
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When is Halifax Sharedealing's commission event?
After holding for many years, I now need to sell shares from a Halifax-Sharedealing GIA. Normal commission of £12.50 is reduced to £4 for two hours around lunchtime on a specific day. The information page (https://www.halifax.co.uk/sharedealing/events/) says that the month's specific day is announced a few days in advance,…
