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Costs and Charges Statement 2.93%?
x-o have produced a costs and charges statement. I've not had one before I think this is due to MiFID II. It's telling me that for the year to December 2018, the product charges were £871.05 or 2.93%. This is made up of £585.90 ongoing costs, £95.93 transaction costs, and £189.62 incidental costs. My holdings are…
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PSA and low earnings.
My wife earns about £5000 a year in part time work. How much savings interest can she earn without having to pay tax on it. Thank you.
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Barclays shares - escaping Equiniti custody fees.
For a number of years I've had some Barclays shares as a result of the Woolwich takeover. They went into the Barclays Sharestore which somehow transferred into Equiniti. Up until recently that didn't cost me anything but from July I will have to pay at least £4/month for the privilege (I must admit I have not investigated…
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Open two ISAs in one tax Year from Tranfers?
Is it possible to open two ISA accounts in one tax year from transfers from existing ISAs? . One will be a " upgrade" , a balance transfer from Coventry building to their new ISA product ( 1.19 to 1.5%) . The other from Natwest into a new Tesco ISA ( from .6 to 1.4 ). Reason I want to have two ISAs is the money from the…
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Opening new current account just to switch?
Hi, A quick question I'm sure someone with experience can help answer before I action this. I want to retain my main current account but open a second to then switch to another bank so I can gain their switch bonus and then access their regular saver product. Is it as simple as opening a standard current account (with my…
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Is buying a fund from another provider cheaper?
I have been thinking of investing in the Global technology index trust fund from legal and general which has fees of 0.70% https://www.legalandgeneral.com/investments/funds/full-fund-range/equities-index-tracking/global-technology-index-trust.html but when I was searching for information on it I noticed that fidelity sell…
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Best place for £20k that I might need?
I've squirrelled away about £20k which might be getting used for a house move or just security in case of illness etc. I've got £125k and 20 years left on my mortgage. What's the best thing to do with my savings given that I might need it at some point? An ISA?
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Isa
Hi Guys. Thinking of swapping my isa with Coventry BS to another with a better rate of interest. I want one where I can transfer total amount and add regular amounts during the year . Please forgive my ignorance but the total amount per tax year is £20,000 ?. So if I choose to swap now even though my total isa amount is…
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Savings and pension advice pls
Hi there! Firstly, sorry, this is a little lengthy but looking for some wise advice if poss please. I’m not savvy with ins/outs of financial info. I save, contribute to a pension but anything other than that, it all tends to go over my head! So. Following a conversation with Pension Wise, they suggested we get in touch…
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Child's compensation investment options
Hi, just joined and looking for some views from the forum. My 13yr old son has just been awarded an out of court settlement from the local authority following an accident. The value is around the £15k mark. I am keen to invest this for him so that he can access it when he turns 18. Can anyone share their views on the best…
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Asset classes performance over time chart
I have seen a chart of asset class performance over time as a chart (square boxes in different colours). So shows which assets (global, UK, Europe, Japan, etc) have performed best/worst over the years. Anyone have a link to a current version?
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Buying Shares as a one off
Hello, I'm looking to buy a one off lump of shares to sit on (only a few hundred pounds) for a set period of time but im discovering that the share investment platforms are a minefield or different costs, new words and information. As you can guess im very new to this so i was looking for some advise what platform would be…
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Ways to de-risk portfolio?
Hi I currently have a S+S account which is very heavy in EM Equity Funds and “exotic” sectors e.g. Turkey ETF/Gold/Russia/Small caps etc, which have done well but I am looking to diversify to reduce the risk. I have no exposure to US, EU or UK apart from a few UK shares, having sold US Trackers last year. Is it worth…
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Investing £50000
Hi I have the above amount and would like to invest it my know that my money is protected. Globality contacted me and advised to invest with Old Mutual and stated in terms and conditions that £50000 is protected by FSCS, the interest is 6.95%. I have never had any experience in investing before and do not want to risk…
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10k - pay off student debt or save in some way?
Hi All, Just looking for some ideas with what to do with 10k I've just been given (gift from father). Debts: £5,639.62 - post 2012 student loan (only did 4 years part time for the equivalent of year 1 course, not intending to carry on as expecting to be able to do a degree through work apprenticeship scheme). Student loan…
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Can she save into a LISA now?
My daughter has saved a sum into a LISA. She was working as a nurse in the UK and her last payment from savings into the LISA was around September 2018. She then started a working trip to Australia around November and has move there for a period of maybe upto 2 years but initially for a year. She intends returning to the…
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Sector Capital Funds Plc
Hi I am new to this forum, but I am wondering if anyone has heard or had dealings with Sector Capital Funds Plc? They claim they are fully FCA regulated and fully protected by FSCS. They are offering high interest savings accounts I.e. 3.25% and offering 1 yr fixed bonds of 4.95% and higher interest for longer term. The…
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Live ftsie streaming
Hello Is there a way of getting live ftsie share prices without it costing a small fortune?
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delete thread
delete thread please
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Which/What type of savings account for £10k?
Hi, I currently have around £10k stashed in a bank account which isn't doing much and I'm wondering what my best options in regards to saving accounts would be? I am likely to use around £1k of this for some short term expenditure before wanting to build it up again. I already have a help to buy isa and two 5% interest…
