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Need help from UK investors
Hi everyone, Currently, I’m making a research about the main problems that beginner and amateur investors face starting investing or with their current broker. Please share your thoughts and ideas. Will be glad to discuss. Thanks in advance!
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Vanguard ISA. Advice on investment choices
I am a total noob to investing and feel I am in a position to get something in place for the future. I'm 33, mortgage will be cleared in the next 18months, no other debt. Paying into a workbased pension, I put in 8% work puts in 12%. Opened a vanguard isa and putting in 100 a month into Vuke ftse 100 and was going to put…
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Help To Buy ISA or Lifetime ISA?
Hello I have a bit of a different circumstance and wondered if the Help to Buy or Lifetime ISA's can work for me. I live in a home that was left to me and my family by my late father. I own 3 quarters of it and the rest is owned by other family members. I have already bought out a family member and I want to buy out the…
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Isa
Hi, I currently have a Flexclusive ISA with Nationwide which has an interest rate of 0.70% and also a Help to Buy ISA with Nationwide. I want to keep the Help to Buy ISA, but would I be able to move the Flexclusive ISA elsewhere? I have been looking at a fixed rate ISA 1.4% with Virgin Money on the MSE website: Thanks Dan
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Declaring Dividend to HMRC
Help for novice shareholder please. I get dividend from 2 small share holdings and an investment trust. Total dividend around £190 last financial year. Do I have to notify Tax Office, or are they notified automatically from dividend providers?
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Wealth Preservation vs Multi Asset Funds
Are there any advantages (apart from active management) into paying the extra charges for wealth preservation IT's/funds - Capital Gearing, Personal Assets or Troy Trojan O?. As opposed to a low charge multi asset fund like VLS40 or the relatively new HSBC Global Strategy Conservative fund (about 35% equities)?
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What % of your portfolio is in UK stocks?
What % of your SIPP is in UK stocks? Just curious. I'm at 35% but would like to get to 40%. I personally don't like the heavy USA weighting of world/multi index fund (usually around 60% from what I've seen)
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Recommend an easy access online saver please
Too long to get into title but I am looking to replace my Tesco online easy saver which up until now has paid a reasonable rate of interest. It is either about to drop or has dropped to paltry interest. I use it to keep funds which I then send as monthly payments to different RS a/cs. It has been so easy to set up the…
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Stock & Shares ISA
Hello All, Just opened a stocks and shares isa with HL. I am starting off with around £100 and will be paying in £100 a month for here are on. My aim is to accrue a nice lump sum over a long term period 10-20years. Please can someone recommend a fund that I should look to invest in? Their online tool has recommend the…
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Coventry BS Regular Saver
Hi, Considering opening a Coventry Building Society Regular Saver. Could anyone advise if you can manage the account online? i.e do they send you online login details and then you can login and check balance etc? On the website it says to open & manage but the list seems more geared towards how you can open the account and…
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ETF delisted (but not liquidated) - what happens next?
Hi, through an investment platform I invested in an ETF that subsequently got delisted from the London Stock Exchange, but not liquidated, and I'm looking for any information about what can happen. The company behind the ETF says there is no risk to investors because they only delisted the ETF trading in GBP; the ETF is…
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Ideas for very short term (3 months) investments?
Hello everyone! Though I have followed MSE for a long time this is my first time ever posting on the forums. Your advice has been brilliant in the past so now it's my turn to ask my own specific question. My wife and I were planning on buying our first home in January but now the date has been pushed back to February 2020.…
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Alternative share providers
Hi all, My Sharesave scheme matures in December and I have the option to take the shares or cashout. I'll be taking the shares and I have the option to either them put in the providers online account for me to manage or have a share certificate. If I have the shares online, if I ever want to sell them then I'll be charged…
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Iweb won't let me buy GWPH stock?
So I've tried to buy GWPH listed on the NASDAQ, and it says I'm not allowed to (or words to that effect). Also looked for it on our home market, but can't find it - I thought it was listed here? Anyone know why this might be the case? Apart from that I'm able to buy most stocks I'm interested in, but there have been a few…
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Income and long term growth fund
Good Afternoon, I am looking to help a friend supplement their pension income with extra funds through the sale of their house. I am looking for a fund to provide consistent income (3-4%) combined with the potential for longer term growth (wealth preservation after inflation accounted for) We have round £200k to play with,…
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Can Bare Trust savings be transferred to different providers?
As new grandparents we are looking to save regular small amounts for our grandson and have been advised a Bare Trust is our best option (so he can access the money when he turns 18). However I have always been one to move any savings around in search of the best rates/returns. If the savings are in a Bare Trust can we (as…
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Cash ISAs
Hi, I am relatively new to this and I recently found out that you are only allowed to open one cash ISA per tax year. However, I couldn't find a clear definition of what would constitute a cash isa. I know a help to buy one does, but what about a Marcus account (which I recently opened) or regular saver accounts?
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Portfolio advice
Hi I started investing a while ago with a fairly helter skelter approach but am now thinking it might be wise to try and balance things out a little! I'm in my early 40s and looking to invest for probabloy the next 20 years so happy to take on lots of risk. As things stand I have: Fidelity American Special Situations -…
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Hl lisa
Logged in to the First Direct app this morning and it shows direct debits due the next day. Its showing my HL S&S ISA and SIPP direct debits are coming out tomorrow as normal, but not my £333 LISA direct debit. Checked on HL and it says £333 is due for November so not sure if its an HL issue of FD just not displaying the…
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IFA charges
I’ve been in discussions with an IFA who didn’t tell me he only uses one company for investing, also he said his first couple of meetings were foc until I decided if I wanted to use him. the last meeting I was asking a few questions as I was aware he’d forgotten to put some savings into a pension assessment programme (via…
