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IFA ongoing charges
I rather naievly thought that these ongoing commision charges had been outlawed, and you simply paid for advice. I used an IFA to setup three ISA's and a pension transfer three years ago and have now seen I'm paying north of £100 per quarter in "ongoing agent payments" Is this usual these pays, or am I being stiffed? I did…
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How to invest 500 a month
Hello Looking for some advice on savings and best interest rates. So I've 10,000 avaliable to start off then I can drip feed an account £500 a month I've been searching around but can't seem to find good rates Any help would be great thank you
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Investment
Please feel free to move this if it’s not on the correct thread. Would anyone have any idea how much a total investment would need to be to get a return of £2000 a month from it? Thank you for any advice.
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Bond issue
Anyone heard of RDT Cryptex Mining? They are offering an attractive bond & I wondered if they are genuine?
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£1,000,000 investment
Just over a year ago, as I turned 60, I was a very fortunate to be a Premium Bond jackpot winner. I left the money with NS&I at 0.9% (taxable) thinking that I would come up with scheme to at least match inflation and keep the money safe. After I had done some research I kept on reading that the market would see a…
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Inheritence / R185E
So, received £8,000 by inheritance. Please not I am employed. Could someone explain (in simple terms) if I need to do anything as regards tax. I know if I was self employed, this would apply on a tax return, but I am employed. Solicitors mention form R185E? Also, as regards info for Student loans ( ie, I have children at…
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What to declare?
Hello, I have a sharedealing account with the Halifax where I have invested in an accumulative fund. I would like to know what I declare in my HMRC Self-Assessment form. Is it the annual growth in value or the profit if and when I sell some of the shares / bonds? Thanks in advance
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VCT and EIS investing
Does anyone have any experience of investing in VCT's or EIS? I'm in a position where I'm likely to max out my pension allowance this coming year and will be towards the upper limit for ISA investments for the year too. I contributed the full ISA allowance last year. I'm therefore wanting to further my knowledge of other…
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First time investor - Vanguard (how often do you check your ISA?)
Hi all, I have recently started paying into The Vanguard Lifestrategy 80% Equity, 0.22% ongoing charge I am looking to put in between £300-£500 per month and it is a long term investment of at least 10 years. I already have enough cash and pension payments. My question is what are your thoughts on the fund and also how…
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Youinvest versus Fidelity
I have S&S ISAs with Fidelity/Funds Network and CoFunds, both via Seymour Sinclair. I recently transferred an under-performing S&S ISA from elsewhere to Youinvest, and have been hugely impressed with their service and particularly the website which is informative and very detailed. Knocks the others into a cocked hat. All…
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Damien Fahy's 80-20 Investor - thoughts?
Hello everyone, Was just wondering if anyone has experience of using Damien Fahy's 80-20 Investor tool on Moneytothemasses.com. Appears to be subscription based analysis and best buys for investments. As a novice to the world of investing (have dipped into Robo-investing and considered Vanguard LS over the last couple of…
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I-Web login
Is there an issue accessing I-Web accounts? i tried logging in yesterday and today and it just says 'service unavailable'!
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Investment suggestions please.
Having reviewed my and Mrs Heedtheadvice's portfolios we have decided on changes. I could do with some suggestions as to where to find ones to meet our aims. Out go a couple of corp bond unit funds owing to poor performance and/or poor 'yield' over the longer term. We still have plenty of 'bond' and other non equity…
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Vanguard or legal and general
I want to save each month into a stocks and shares ISA but am not sure whether to go with vanguard or legal and general? Vanguard get a lot of good reviews on price and the funds bit are they really that good? Legal and general have a global technology index trust that seems appealing to me as I’d like to invest more in…
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Worried about Funding Circle
I feel quite worried because: 1. The IPO was a disaster and has been badly handled by management, stock price has been so volatile (on a consistent down trend) due to insiders selling all their shares 2. Selling periods are long, it used to be 1-3 days now is at least one month 3. Returns all of a sudden have dropped, I…
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Child ISA saving limit query
Hi, I've got just over £4000 in my daughter's child ISA and I saw that the limit for 2019-2020 is £4,368. Does that mean I could only put another £300 in, or can I invest another £4,368 this year? I'm not sure if the savings limit is the most that can be in the ISA, or the most that can be added in one financial year.…
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Need advice investing a lump sum
Have about £200k in a managed portfolio with barclays wealth management. stocks and shares bought/sold on my behalf. it costs me £5k a year for this service. This seems expensive and I'm looking to invest else where. Any thoughts, recommendations?
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Saving for a holiday in 2022
We are looking at saving for a bit of special occasion holiday in 2022. We would like to start saving now but ideally we would like it in an account which cannot be accessed until that time. Basically we don't want to be tempted to take money out of it for other things. We have had saving plans in the passed but these have…
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Trust funds
A family member passed away and has left money for my children to go into a trust for when they are older. I am to be one of the trustees. I received paperwork yesterday from the solicitors working on behalf of the executors. They are relinquishing trustee to myself and another person, as not involved in my children's…
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Paid too much into ISA for 19/20
Hi, I’ve just paid 30k into various ISA’s for this tax year by mistake. I spoke to each company and they each said I should inform the HMRC. I called them and they didn’t show much interest and said the providers need to deal with it but they all seem a bit vague in terms of what I need to do - A Grey area shall we call…
