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Baille Gifford positive change alternatives
I’m looking for a fund like the Baille Gifford positive change fund but with a cheaper management charge than 0.6%. Any ideas ? Ideally : - ethical, positive screening - hold for approx 20 years - passive or concentrated - low management charges Cheers
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Question about ISA
Hello, I've been trying to understand how an ISA (Individual Savings Account) works. Let me picture an example to see if I've got it. Let's imagine that I earn £30k before taxes. Then, I put £22k into my ISA and don't pay any taxes as my "income" is under the threshold of personal allowance. Would this hypothetical…
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ISA or Normal Savings
Hi Folks. Would you recommend saving £20k which currently moves to the best ISA transfer rate every year, into the highest paying "standard" savings accounts e.g. is there any likelihood that the benefit of the tax free limit on personal interest £1000/£500 gets revoked. I know £20k is some way short of reaching the annual…
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Is it worth talking to my bank or just switching?
Hi everyone, I am going to open a savings account for the first time, and am able to deposit a minimum of 500 pounds a month. If I understand correctly from reading the info on this website, First Direct is by far the best savings account to have with 5% interest. You need a current account first. My question is: Should I…
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Smithson up 18% since launch
Just noticed that my investment in the Smithson fund (SSON) is up 18% since the IPO launch last October. Question is should I bank that profit and wait for it to pull back a bit before buying in again? I find it difficult to believe that it can continue at this trajectory for the next six months but I could be wrong. I…
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natwest swtiching bonus
every little helps. does it count if i switch from nationwide, as nationwide is a building society, rather than a bank?
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Next best platform for non-ISA Funds holding, to iWeb
I say next best because this is for some investments which will be in my name but on behalf of someone else so I want to keep it all complately seperate to my iWeb accounts. Would I be correct in thinking that AJ Bell might be the next best of the cheaper platforms for non-ISA buy and hold funds?
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NS&I waives the rules - again
So, once again, NS&I is knowingly sending out false statements of interest - to you, and to HMRC. Well, to be fair - once forced, last year, by their boss, HMT, to admit that they were doing wrong they did say that they wouldn't change their procedures in future - and so it has come to pass. So look closely at any…
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Long term funds performance data -source ?
When browsing fund supermarket data for individual funds, it is typical to quote performance data and graphs only going back 5 years max. Is there a source for funds data going back a fair bit longer than this,say 10 years or even more ? Thanks
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TSB reducing interest from 5% to 3%
Just got an email to inform me that the interest rate on the Plus account is changing from 5% to 3% from 2nd July. Shame!
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BLME Sharia 1Yr Fixed Rate 2.2%
I am thinking about opening a 1 year fixed rate Sharia account with BLME at 2.2%. As anybody else used BLME or Sharia accounts before? Any views would be really appreciated.
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HMRC and Dividend Income
So, last week received a Special Dividend that is over the Dividend Allowance but my total income remains at Basic Rate level. Looked at the HMRC Do you need to fill in a Self Assessment form area which had a flow chart for the 2017-18 year which said I didn't. For Untaxed Income it says that one must inform HMRC if you…
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Proof of identity for Cynergy Bank
I recently encouraged my girlfriend to open a new savings account with Cynergy Bank, as her current savings account with Halifax was a pitiful 0.10% and Cynergy Bank was the best seller at the time. It took a lot of persuading, as she is not one for filling out forms and did not see much benefit considering how much she…
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ISA Questions
In the next few weeks I am planning on opening an account with Vanguard. As I want to begin investing in funds, I want to open a stocks and shares ISA with them. The issue is, I have an Investment ISA with Barclays Smart Investor. The "portfolio" there consists of one position and a tiny bit of cash I hold for fees. I…
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FTSE 100 Short EFT
I am more curious than seriously considering using these, what is the benefit of a tracker that tracks the downside of the footsie... I suppose there is a way to make money out of this in a dropping market - but how ? Would this beat selling out of dropping FTSE and holding cash during the drop (assuming you had perfect…
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First time investing. Best platform for infrequent trading?
Hi all, Looking to put a small amount (£2k) into the stock market for the first time. Wonder if any one could advise which platform would best suit my needs? Going passive so i'm planning to split portfolio of arou d 40% bonds and the remainder a couple of index tracker funds. Possibility a REIT. I'd like to invest around…
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Nutmeg LISA Advice
Good morning :) I have a couple issues/thing on my mind i'm hoping someone can advise with please. So i have heard all is not looking great @ Nutmeg. I'm not too sure what is happening but i would like to try and get my money out of the platform, So last year i opened and contributed the £4k allowance into a HTB LISA, with…
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Is the Chip App bonus Taxable?
From https://getchip.uk/terms/ "7. Bonuses 7.1 From time to time, users may be eligible to receive a bonus payment from Chip (“Bonus”) based on the funds held in their Wallet. A Bonus is not interest and there is no contractual or statutory right to interest on funds in your Wallet." I've not been able to find any…
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ISA interest help
Hi If I want to open an ISA but have interest nominated to a non ISA account I assume that becomes taxable? What if the interest is paid into the ISA account but that account allows withdrawals? Would the withdrawals (Inc interest) be taxable? For fixed ISA products (say 1 year) would the amount on maturity become taxable…
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Quidco offer on ISAs (ends today!)
For anyone setting up a new investment ISA, Quidco have an offer of £20 extra cashback. I opened a Nutmeg stocks and shares ISA, £500 investment, £100 / month direct debit and got £170 cash back. If you only invest the minimum, that's 10% of the investment! :money: Ends today though.
