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Share options - rights to exercise
Hi there, After a long time at a company I feel it is time to move on. The company is privately owned, and as a longer term employee I was given some share options a number of years ago. These have vested, and exercise price is around £1. Latest valuation for company based on fund raising puts current price around…
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Gold ?
I have £10000 coming my way in cash at the end of this month and I want to keep it in "reserve" and hidden for a rainy day with no paper trail to it, I'm thinking of buying gold sovereigns or something like that , what would be best ? I have somewhere to keep it long term only I will have access to.
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SIPP over 100k
My partner has a SIPP with AJ Bell which is now over 100k. It just occurred to me that only a certain amount of this is covered if they should go bankrupt. Would it be possible to move some of this money to another SIPP provider to ensure all of the money is covered in the event of a problem with AJ Bell. Thanks
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ETF's and their fees
Hello I have a quick question: I'm looking at the Vanguard 80% Equity Fund and am beginning to understand the underlying allocation of the Vanguard Funds within. The 3 ETF's in there are what have me confused. ETF's can be bought and sold like shares so therefore do they incur trading charges? How often do Vanguard buy and…
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Over 50’s plan. Can you complain and reclaim money
My parents took out an over 50’s plan thinking they were investing and were not aware that there was a cap on the pay out. Can I complain and get their money back
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SHAREs - Buying in on the NASDAQ ?
Hi All I am looking to invest in the USA/NASDAQ. I traded on the LSE with X-O for over 15 years and done well. I am aware of tax implications and £/$ fluctuations. I have downloaded the relevant W8-BEN form for Foreign Tax status. Where do i go from here? I am even unsure on what to put on parts 5,6,7 and 10 ( i have an…
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new HL fund £1
HL have launched a new fund with a fixed price of £1 per unit until launch on 2nd May. https://www.hl.co.uk/funds/hl-funds/hl-select/hl-select-global-growth-shares?utm_campaign=AI025_HL_Select_Global_launch&theSource=AI025&Override=1 I know HL funds are generally considered poor value and rely on marketing to more…
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What to do with lump sum
Hi all, I am a novice and have tried to work out what I should do with my 30k lump sum that I have received. It has been sitting in a Lloyds current account for over a year and I feel I need to do something with it. The savings accounts don't seem to make much sense as there are very low max payment amount restrictions.…
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Advice for Children's Savings
I just wondered what advice you might be able to give me for saving for my children. I want to put £10 a month into an account for each of my children (2) plus any gifted money - they are only babies so dont need the money and also the child benefit money we receive each month. One question I have is ... as per most…
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Monthly Interest Savings Account paid to external account?
Any recommendations for an Instant/Easy Access Savings account that pays monthly interest to an external (nominated) account? I have a Charter Savings Bank EA that pays 1.39% to an external current account, but is there any better without maybe going to a fixed term account? I miss the ability to set up standing orders…
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wealth
Where do rich people like bill gates go to for financial advice like administering their net worth or planning for retirement? What kind of accountants, lawyers, and fiduciary advisors do they turn to? Who advices them how to manage their wealth? where do they turn to for financial advice if were talking about a lot of…
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Interactive Investor 33% price hike
Interactive Investor have notified me of a price increase from 1 June. They are going to increase their charges from equivalent of £7.50 per month to £10 per month. I'm not happy with a 33% price hike, but am struggling to find cheaper flat rate SIPP providers. Does anyone have any suggestions?
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Children's Saver Account vs HL Junior ISA
Evening All ! Firstly, please forgive me if this topic has been covered before, or if my question seems a bit 'obvious' !:mad: I would welcome your opinions on the following subject, and I will try to be as brief as possible - When my Grandson was born just over 5 years ago, I opened a Kids Regular Saver Account for him,…
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HL ISA or Vanguard General?
Hi, I have a small number of shares in an ISA with Hargreaves Lansdown, who I know aren't the cheapest, but they were recommended numerous times for novice investors like me. I'm now considering buying some funds, and I'm currently tempted by Vanguard LifeStrategy. As someone who plans to drip feed approx £100 per month,…
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How to sell shares?
My mum has had some shares for years following an old employer being taken over. She's been receiving a modest return on these but is now thinking about selling them. Neither of us have the first clue about how to go about doing this, and trying to read up on how to do this as cheaply as possible hasn't really left me any…
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Excess Reported Income: how DIY investor manage it?
Hi, How DIY investors deal with Excess Reported Income "ERI" calculations for tax return for UCITS funds held outside ISA or SIPP? Calculation looks overwhelmingly complicated and extremely time consuming to me. I understand that investing platforms such as Vanguard or Fidelity only provided the distributed dividends "CTC"…
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Sold debenham shares, not received money
Good afternoon. Bit of a newbie to share dealing. I purchased a number of shares using AJ Bell a few weeks ago. I sold them the day before they were delisted (at around 13:00) again using AJ Bell, I've been told I won't get the money for a few weeks because the stock was delisted. They confirmed that it was done before…
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What is P2P lending good for? (Zola, mostly)
Although I'm a current peer-to-peer lender, via a couple of the mainstream intermediaries (including the venerable Zopa, but that's not the only one), sometimes I find it hard to justify this asset class to myself. I appreciate that I can probably earn attractive interest rates, as long as I'm happy to wait for my…
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Fidelity Gripe
Just a moan, and possibly a warning to other Fidelity users. I have had an account with Fidelity for decades, and also with iWeb, YouInvest, HL etc (so I do know my way around..) Last week, I sold a holding within an ISA, intending to go to cash and buy an Investment Trust. I accidentally clicked 'pay to bank account'…
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Euros in Europe
Dear All, I recently sold a property in Spain and have approx 100k in one bank account & 100k in another. The money is currently not earning any interest and I was wondering if anyone might have a good suggestion about how to handle it. Many thanks Comparisons
