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Colonial Mutual shares
My mother bought some shares back in the 80/90s through Colonial Mutual and now as she is in her retirement she would like to tidy up her affairs but cannot trace her paperwork for these shares. I believe the shares have changed company a few times over the years, would anyone know who they are with now so I can contact…
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Convert Acc to Inc class
My fund platform cannot do a conversion from acc to inc class of the same funds, they say I must sell and buy. They told me it will not create a taxable event for capital gains. Is this correct? Can I transfer out specific fund holdings (not all my holdings, just the funds I want to convert) to a platform that does support…
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Taking control
I am 46 years old and have decided it’s time to take control or rather do something about our (me and my hubby) retirement fund. Probably left it a bit late, but we are both self employed, and probably won’t retire for another 20 years. So hopefully this will give us time to build up some retirement funds. I have been…
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Good funds to invest
Hello, I have 20k to invest into my stocks and shares ISA on the next fiscal year. I am looking for good growth funds or growth and income funds to invest in. (Active managed funds). I am looking for a long term investment (not looking for bonds) and I am willing to take some risks. The investments I have at the moment…
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Investment advice
I was wondering if anyone who knows about funds and investing would mind giving me their opinions. I'm trying to go for a good mix that covers a few different things happening in the market. At the moment, I have the following in my portfolio: AXA Framlington UK Select Opportunities (40%) Marlborough Special Situations…
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ISA £85,000 security
I have a cash ISA which has a balance close to £85.000. How do I carry on investing in a cash ISA with the best interest rate possible, without going over the £85,000 limit per institution? Thank you
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Bruckner Ferdinand
Hi, has anyone been approached by, or invested with an Austrian finance company called Bruckner Ferdinand? My mum has invested some money with them, but it is looking like they are a scam company.
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Good ISA with no minimum deposit.
Hi! I'm expecting a lump sum (inheritance) in a few weeks/months, and am suddenly wondering if I should be opening an ISA today. I have very little money at the moment, I could possibly stretch to £100 as an initial deposit, but certainly can't meet the £500 that a lot of the best accounts seem to require. I have current…
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Cash Savings in Turkey
I have been advised to put cash into the Turkish arm of QNB as the interest rates are high. Has anyone any experience of this bank and is the cash protected?
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Too good to be true ?
Has that thread been removed?
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Investing - Child
We have a 7 month old baby and have been putting £50 in an account for him since he was born, we are using the Halifax kids monthly saver paying at 4.5% up to £100 a month fixed for 12 months, the balance then gets dumped into their regular saver paying c2% I think. The reason we haven't opened an ISA is that I don't like…
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FTSE Global All Cap Index Fund
I was wandering around the internet this morning and came across the FT page for the 'FTSE Global All Cap Index' which showed a 1 year gain of 1.94% which smells about right. I then looked at the FT page for the Vanguard accumulation version of that index which I believe is the 'Vanguard FTSE Global All Cap Fund'. that…
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Best places for investment advice
Hello I was just wondering where people find the best advice on investments. I've come across pension craft (https://www.youtube.com/channel/UC9OIwUcx-Uss7xj7s1P5XGw) which I find really useful, but I was wondering what other resources are out there...I find reading lots of articles confusing as they often seem to…
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No idea where to put my savings
I'm saving for a deposit for my first home (!!!) and have been doing pretty well but I am sure I haven't been making the most of my savings. I struggle to understand/get overwhelmed and don't try to understand interest rates so I have tended to keep my money where it is. That's mainly in 0% interest accounts I have had…
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Catching up and moving forward
Hi all, Years ago I was much more on top of our finances, I had time to read and learn and figure out roughly what to do. Then I went back to university and had to put it all aside, before I did I put a lot of what we had saved into Vanguard lifestrategy 80 and 60 ( giving me a kinda 70 balance) as I reckoned it wouldn't…
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Vanguard LS80, plus Fundsmith or Lindsell?
Hi guys, I’ve currently got £5000 in my lifetime ISA with vanguard 80, I’ve just got the bonus for this current years £4000 there now and was wondering about maybe putting it with either Fundsmith Equity or Lindsell global equity, any thoughts? Will probably put in next tax years maximum in May so that’s £10,000 in total…
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Tax code changed in Jan--- saving interest
It was 1185L until 1st jan (checked online in my gov uk account). A section now shows savings interest and the Tax code is smaller as the interest amount has been deducted, My income is a pension of just over £10,000 and saving interest and this total amount is smaller than my personal allowance. Example 1185L with £400…
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True Cost of purchasing US shares
Hello, I’m new to this forum and believe I’m posting in the right place. I am looking into purchasing shares in a US company however want to know what costs i have missed out. More specifically what the US goverment would tax me when i do the following. Say i use halifax’s share dealing account. Start with £2000 in the…
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£5k to invest
Long time lurker but first time poster...go easy! I have a bonus coming up at work c£20K-£40k I want to put some aside for a rainy day, or I think the term is an emergency fund. Some of the money is going towards an extention on our house. I've decided I want the emergency fund to be around the £5k mark, I want it to be…
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Vanguard Fund : Direct or with Hargreaves Lans
I find the costs involved in investing very complicated, I hope someone can enlighten... I am looking to place £20k in an ISA with lower risk Vanguard Fund for long term 5 years+ as part of pension Vanguard fees: Account fee 0.15%, and they unhelpfully say "OCFs range from 0.06% to 0.80% p.a. As well as the OCF, funds have…
