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Argyll Group - Safeway - Morrisons capital gains
I’m helping a relative with some capital gains and they haven’t been 100% diligent in keeping their paperwork. All I can find is 1,500 Argyll Group shares purchased and 4,004 Morrisons currently owned. Is there a way that the takeover of Safeway and then by Morrisons could have turned 1,500 shares into 4,004 without any…
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Tickr - any good?
Wondering whether anyone’s used the fairly new investment app, Tickr? I started to open an account but some reason started to feel a bit wary. I’m after some sort of investment rather than just a savings account. Just looking for some honest reflections if anyone is using it.
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Possible to open and pay into a fixed term investment for someone else?
My parents wanted to pay the uni tuition fees for my son, but I sent them the moneysavingexpert article on what a bad idea this usually is, so instead they want to put the same amount of money into a fixed term investment for my son, that will be available to him when he graduates. What would be the best option? A lot of…
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Stock dealing newbie question
Looking for some tutorial resources covering the following areas, any ideas? How do you know which shares will prioritise payments of dividends to holders vs the share price increasing? Is that how it works you buy some for growth and some for dividend ? Is there a clear relationship When a company or many companies in a…
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P2P Questions and Observations
I have been investing in P2P just over three years , more recently the bulk of it held with Funding Circle within an IF-ISA At first I was getting great returns flipping loans, I could sell 3-5K of loans in hours after the first few payments and overall making 8-12% with no losses at all. As time has gone by its become…
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TSB Classic Plus Questions
Hi I opened a classic plus in December 2018 with a deposit of £1500. Each month on the 1st £1000, goes in, £250 is moved into a Monthly saver, and £750 is transferred back out. Questions 1) Each month the current account gets interest credited. £6.24, £5.64, £6.04 etc. Why is it different some months, why not always…
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Selling funds
I need some advice about selling funds: 3 years ago, my son was left about £3K split between 6 ethical funds, in a JISA. Some have done quite well (25% increase in 3y), others are fairly flat. He is now 18 and wants to liquidate some of the funds. Is it more logical to sell those which have done well or those which have…
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Trustee Account
My wife and I have to open a Trustee Account for our handicapped daughter. The banks that we have approached so far are not interested/do not operate them. Any ideas as to whom to contact most welcome. Thanks
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Property rental or investment
Hi Have jointly inherited family home worth about 10k do I buy my brothers share out and rent property out for about 600 per month or invest my share. Would I get the same returns? I already have one property rental and was going to sell my parents house, but a friend advised against it saying never sell a house rent it…
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Savings for 16-17yr olds
Help...! Does anyone know of a longer term savings account for 16-17yr olds where one can put a large lump sum. My son has received a significant gift from his granny & I can’t find a longer term savings account to put the lump sum into as he is not 18yrs old. Junior cash isa ceiling is too low.
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Wanted : Reliable Instant Saver
Guys, I currently use a Post Office account with debit card payment which helps me reach the max reward for my co-op account (cos they show as a purchase on my statement) and then I just send the money back each month. The trouble is, Post Office payments by debit card can be erratic to say the least. Far too many times I…
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Newbie - what to do with my savings
Hey hey, I'm a 25 years old, just left university and now working full time. Over the years I've managed to build up a decent amount in savings via family and being careful and was hoping for some advice in terms of making the most of it for someone who's completely new to doing anything more than just putting extra money…
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Best Saving of Lump Sum for 16 months
Hi everyone, First time poster, long time lurker! Long story short I am looking to invest £140k for 16 months between now and January 2021 - when I will need to pay all of this, plus a current shortfall of £25k to the government in tax (hence the question 'how can I capitalize on having this sum temporarily). I would love…
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Newbury BS 1.5% any access + 1.75%
Firstly, to open an account with Newbury you need to be in one of these postcodes : AL, BA, BH, BN, BS, DT, E, EC, EX, GL, GU, HA, HP, HR, KT, LU, MK, N, NN, NW, OX, PO, RG, RH, SE, SG, SL, SM, SN, SO, SP, SW, TA, TW, UB, W, WC, WD, WR. New members can join with a 1.5% instant access saver here :…
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How much do you discuss management of your investments with your OH?
If you take the lead on managing your and your OH’s investments, how much do you discuss them with your OH? When I starting DIYing a couple of years ago I prepared spreadsheets, cast them onto the TV and presented them to my wife. She said I seemed to have researched well and, after one or two sensible tweaks, agreed with…
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Same interest calculation but different pay frequency
Hi, Comparing a Help to Buy account between two banks and see that they have the same interest rate, the same way to calculate, the interest go to the same account, but different credit frequency. So I guess my questions is: Which one is the best option: "Interest is calculated daily and credited to the account monthly" or…
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Reducing Risk Level through Further Investment
Hey, My portfolio is currently sat within the 'higher' risk sphere and I'm looking to invest further over the next twelve months but in the lower risk areas with a view to rebalancing the overall portfolio. I like the idea of investing in lower risk income funds, gold and possibly bonds. Do you have any advice on which…
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How do you decide where to allocate what money to?
I've been spending my break times at work reading more about mostly retirement planning but just financial planning in general. I can't ask anyone i know in person about this as they're mostly a spend it while you have it bunch so again i've to come online... How do you allocate what goes where with your money? To explain…
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Help to Buy ISA - Close and open a new one
I've just applied for a help to buy ISA, but I've just noticed that the interest is paid annually instead of monthly. I was thinking of closing the account and opening a new one with a different bank so that it is paid monthly ,whereas it seems that you have to wait until the following tax year to open a new one, by this…
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Do these ISA charges seem correct?
Hi all We have around £30000 each invested through our financial advisor for the last few years. Recently we had an annual review and it showed that in the last 12 months the ISA had made over 3% interest. All good we thought. We then looked at the ongoing charges and they breakdown something like this: Ongoing advisor fee…
