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Fixed rate Isa - I can’t top up
Hi O have a fixed rated Isa (2 years) and I have been told I can’t top up this product with my 20k yearly allowance. This is the first time I hear I can’t use my allowance on an isa product so I’m a bit surprised Has anybody had an experience like that in the past? Thanks
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Santander Everyday Saver FP Limit?
Can you send upto £100,000.00 from Santander's Everyday Saver via Faster Payments? I want to send my deposit to the conveyancer but I don't want to pay the CHAPS fee.
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Who 'owns' the Company
Can't find a specific board for Q, so any opinions appreciated... Private Ltd Coy 100 x £1 shares 20% shares each to A B C D E Directors are F (father of A B C) and A B C D & E have just (?!) found out that they are shareholders (surely they would have to sign 'something'? So F is not a shareholder. Does he 'run' the…
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Question about savings account sort codes
I'm thinking about opening a savings account with my bank (Lloyds). I was just wondering if I open the account in-branch will this savings account have the same sort code as my current account there (opened in the same branch)? If not will this make any difference?
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Account for holding shares in private company
Hello, I've been given shares in a company that is not yet publicly traded, it's due to be introduced to the market at the beginning of next year. It's a Swedish company that is due to be listed on a Swedish market. I need to open a share account I guess to hold the shares and already tried Hargreaves Lansdown but they…
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Sharesave advice needed
Hi wondering if anyone could help. My husband has a sharesave account through work. This matured and the account was closed on 1 October 2019. He opted to receive his paper share certificate to sell shares himself due to previous problems doing this last year. However as of today he is still awaiting this certificate. He…
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Side gig additional money
Quick sense check please. Wife is about to take a second "job" (one day a weeker) which will give her another £6k in earnings on top of her £30k or so mon-fri role in the NHS. I'm intending to retire early and have made good provisions to do so. She has no additional pension, just what she's built up via her NHS pension.…
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Should I transfer my portfolio to a S&S ISA?
Hi all, I have a bunch of investments in a stock trading account with Trading212. Would it be wise to sell all of these investments & reinvest the same money into my newly-opened Trading212 Stocks & Shares ISA? What are the arguments for & against? Thank you.
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Capital protection
Hello, I am looking at investing some of my savings with a company called AEC investments. Has anyone heard of them? I have never invested before so I find it daunting to be honest. They advertise that your capital is safe and guaranteed, is this true and possible? They offer returns of up to 35%, I have always gone by the…
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Child Trust Fund - Foresters Financial
Hello, i have taken my eye off this trust fund over the years and wondered whether it is performing well. My child is due to have it at the end of 2023 when they reach 18. I have paid in £70 a month for the past 13 years (started a bit late when they were 1 years old) and it is invested in Invesco Perpetual Income 1 and…
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Investment Advice for the worst investor ever!
Hi, I’d appreciate guidance from members on investments and savings. Currently 58 yrs old, married, in stable employment not in the best of health (chrons) pondering retirement, not before 65. I have reasonable pension arrangements and estimate I should be able, at 67 to draw around £500 total, a week having my first…
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Paying into a stocks and shares ISA query
Hi, So I've opened my first one of these today but would like to know the following. There is a £20k annual limit. Does this relate to the cash that can be paid into the account or the value of stocks that can be purchased within the year? For instance if I pay £20k in but then leave it as cash until next April, then pay…
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Investing a 0% interest loan
Hi guys, Looking for people's opinions on a plan I've been hatching, trying to gauge if it is worth going ahead with and if so, the best route to take. For the next 2 years, I will be studying in the Netherlands and I qualify for a student loan. I also work and will receive a supplementary grant which means I won't…
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Is there a US equivalent of ISA
Is there an equivalent or similar for USA residents to invest in shares?
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Investing additional savings outside ISA
Hi all, I'm still an investor newbie and taken my first steps toward getting my finances sorted. I started in July and now have an ISA which is fully subscribed for the year in a fund (VG Lifestrategy 80). I'm wondering what to do with my additional savings each month. I'm looking for ideas and wondering what other people…
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Rates drop on Leek regular saver
Bad news - From 2nd December 2019 rates decrease from 2.5% (incl, bonus) to 2.0% (incl. bonus) on the original first issue Regular Saver. had this since 2012 so REALLY sad.:(
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Part-cashing out a Help To Buy ISA??
We are currently buying a house using HTB ISA. We have more in there than 5% but not enough for 10% ( to affect mortgage product) so wanted to use part of it towards deposit and take the rest as cash to use for the move. Our solicitor has never come across this before and thinks we may have to use the whole amount when it…
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Other Bulletin Boards
Are there other boards similar to this? I am using Lemon Fool, but are there other UK ones available? Thanks
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Junior ISA.. what next?
Hi We have a Junior ISA for our daughter who's turning 18 in March, ideally, we'd like her to carry it forward to another savings account. Any suggestions on the best account/way to reinvest this in her own name? Thank you. :-)
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Re wills and IHT on first death
Hi Guys, don’t know if this is right thread to post this ? I am going through my wife and my financial affairs to make it easier for my wife should I go first. I have itemised all my bank a/cs and hers should it be vice versa, so she can just put her hand on them. I don’t know whether she will try and obtain probate on her…
