-
Investment in Euros from the UK
Hi I have euros in a UK bank 'euro account'. There are no interests, it's just for me not to keep them at home. I do not want to exchange the euros into pounds sterling, as it would not be convenient at all right now. I would like to find an account with interests or to invest the euros. Somebody mentioned exchanging them…
-
Personal Savings Allowance - Higher Tax Bracket Question
Afternoon All I am really struggling to get my head round this and hope someone can help. Following a job change, I am now earning slightly into the higher rate tax bracket 2019/20 amounts (£53k). I already do salary sacrifice pension and don't want to contribute any more so no way of reducing under the 40% amount.…
-
Fees on Investments
Hi, Probably a newbie question but assuming your investments were returning 4.0% year on year not including dividends and it's sitting in a tax free wrapper such as an SSISA or LISA. Let's also assume no further Funds/Stocs/Etfs etc. are bought or sold (no additional fees) If your platform fee was 0.25% like AJ Bell for…
-
Scottish Power Shares
During a tidy up I’ve found an old share certificate from May 2006. I’ve tried looking online to see if they are worth anything, but I’m confused as there was some kind of re-issue and merge of companies or something. The registrar Lloyd’s TSB website no longer exists. Shareview asks for a URN from the certificate, but…
-
Beginner to investing
Hi I am new to investing but get the idea that I need a platform to invest in shares or funds. I would prefer to choose companies I invest in and start small maybe 100-500 a month to drip feed and hopefully grow my balance. I like the idea of the basic platform x-o but not sure if it's too basic for a beginner? I plan to…
-
Rebalancing within VLS 80
Could anyone help me with my understanding of the rebalancing within the VLS 80. As I understand it the asset allocation (equities & bonds) is rebalanced periodically so that if the value of bonds rise higher than the equities then some bonds are sold & more equities are bought to maintain the 80:20 ratio (selling high,…
-
Ex-dividend dates
If i was selling share, to receive the dividend payment for that period i would need to sell after the Ex Dividend date. Is this correct?
-
Financial advisor?
Evening all. New member alert so apologies if this is being posted in the wrong area!... I’m interested and finally in a position where I can consider investing. Not much and very little experience and also not got much time so I wanted to get anyone’s thoughts on the merits/drawbacks of using a financial advisor to help…
-
where to put my money
I need some advice about where to put my money so I hopefully have enough for retirement. I'm 28 and am able to save around 2k a month. Currently own the property I live in and the mortgage is at around 85%. I don't have any other loans, credit cards, dependents etc. I have some peanuts invested in a few vanguard funds,…
-
Help me sort my money out, I have baby brain.
Hi everyone, As the title suggests I need help sorting my brain out with my finances. Two under twos have helped me loose track of things and I could do with some advice. Currently on maternity leave until Jan 2020. The 3 months I am taking unpaid are covered for and I have an emergency pot therefore not considered in the…
-
Regular income from investment lump sum
I will be getting a tax fre lump sum from my DB pension in a few months time of around £100k. I would like to invest it and take a regular/monthly income from it. Ideally I'd like to get about £300/month whilst protecting its capital value as far as possible. Can anyone suggest a suitable vehicle for this? Thanks.
-
Wolfie's penny stocks
I know that Hollywood movies are not always 100% factual but there must be some element of truth in the sale of penny stocks charging a greater commission than blue chip stocks as this was the basis upon which Jordan Belfort founded Stratton Oakmont in The Wolf of Wall Street. If there really was a 50% sales commission,…
-
Berkshire Hathaway's mountain of cash
I've been reading about the $100bn + in cash that Berkshire Hathaway has and how they could invest it and wanted to understand the options a bit better. One option is to buy back some of the shares, but can they force shareholders to sell? If Buffett loves insurance companies so much why doesn't he try and buy the State…
-
Is it possible to invest in a Bonds Fund with low risk?
Dear All, I have a random query that I apologise in advance if sounds silly : I have a S&S ISA with Vanguard Lifestrategy which obviously comes with the usual risks of value going up and down. I also have a Cash ISA paying a minimal 1.5% or so but with no risk of loss (except inflationary). Are there any such things as…
-
Novice Vanguard investor
Forgive the possibly naive question, but I'd appreciate some views, or even to be told I should have already known this before investing! I've got about £66,000 in a Vanguard 60% Accumulation fund in an ISA that I'm currently transferring to iWeb. I've paid in about £60,000 over three years. Last December it dropped back…
-
Unregulated investments
Hi, I'm regularly reading in Trade Press about the FOS compensating people who were advised to transfer into SIPPs and then invested in unregulated investments, losing a lot of money. For example, see the following: https://www.moneymarketing.co.uk/fos-orders-ifa-to-pay-multiple-clients-for-unsuitable-pensions-advice/ I…
-
Low risk good return investment
Hi all. Is there anything worthy at the moment In terms of low risk good return investment if I either contribute monthly or lock some money away? Wouldn't be a huge amount at this stage. Im currently holding in premium bonds until I can find something to place in once I decide time is right.
-
Inheritence Tax ?
Received £8000 by inheritance. Do I need to inform HMRC? Could you advise please.
-
Cannot withdraw funds from Halifax PIP due to absent/unwell trustee
Hi I took out a PIP (Personal Investment Plan) with Halifax for my sons around 15 years ago. I recently tried to withdraw the funds for the older one for his 21st birthday. However I was reminded that I would need the signature of my sister who I had originally enlisted as a trustee. Sadly, without going into the personal…
-
NSI Certificates
Hi, there is quite a few threads about these certificates now moving to CPI from RPI but I'm a little confused as to how they remain good value (excuse the ignorance or if I've missed something here). Unless I'm understanding it wrong let's say a five year fixed term with Secure Trust Bank pays 2.6% isn't that already…
