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Trying to sell Shares from my Employer
So I was part of a Sharesave Scheme through my old employer I have come to sell them but get the following warning: “Please note that for all shares available for this transaction, a ‘blanket’ income tax rate of 47% will be applied to your trade and sent to payroll” I know little about the process, does this really mean I…
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Saving to overypay lump sum off mortgage
For the last 6 months or so I've let my current account grow with the aim of having 13k by January to overpay my mortgage ( which is 10% per year). Then after paying that off I want to save for the next 10% (approx 12k) to pay off In Jan 2021. And again for Jan 2022 when I can pay off approx 11k. Just wondered if there's a…
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Index tracker vs repaying student loans
I wonder if anyone can offer some advice; I've posted this elsewhere but haven't had any responses. I have a plan 1 student loan (started uni in 2006, graduated 2010) that is currently sitting at about £13k. Up until this year I'd barely been clearing the annual interest added, but I have recently changed jobs and had a…
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Passive funds that cap the top holdings?
Does anyone know of any passive/low cost funds that cap the top holdings? I personally don't like holding so much in one company, Apple, Microsoft etc
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Best savings return for £60-80k?
Hi guys Am after some advice. My father has withdrawn some capital from his SIPS pension as it wasn't performing well. He's got £80k to play with and wondering what would be the best way of gaining interest for that amount? He'll possibly require access to £20k so would either be looking at £60k fixed or £80k with access…
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A better way to analyse my returns.
I currently have an Iweb S&S ISA, which charges a low commission, but is rather bare bones when it comes to returns analytics. My investments currently are all in individual companies and i imagine it will remain that way for many years. I web currently only show me my total return as a percentage of my average purchase…
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Investing Help for a Newbie
I've just turned 26 and keen to start investing properly. I own horses so my goal was to own my own land, which I achieved when I was 21. I borrowed some money from my family to afford it, which I will finish paying back by August next year. After that, I will be able to save and invest around £500-£650 a month. I do have…
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Raisin Bank Problem?
Hi My wife had an account via Raisin which recently matured. Instead of picking a new Raisin product herself we decided that she should withdraw it to our joint current account; then she could recommend me as a friend; she could claim £25 for recommending me; I could claim £25 for joining from her referral; then I could…
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Al Ryan Bank
Al Ryan Bank I am requesting people to boycott Al Ryan Bank I have noticed that Al Ryan bank does not have any concept of Customer service. All the latest reviews on the Trustpilot seem to confirm my impression that Al Ryan bank has terrible customer service. I would welcome comments from others on this bank. Opened a 12…
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Lifetime ISA and what to do with a CTF
My daughter is 17 this month and wants to start saving with the view it will eventually be a deposit for a house in 6+ years time. She earns about £400 a month from 3 PT jobs while at college. Lifetime ISA looks best for here as the bonus will be bigger if she saves more than £12K but she cant open one until next year.…
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Suggest a fund
Can any much more experienced people suggest me a fund that will meet this objective? I hold a cash balance in my Stocks and Shares ISA that I add to monthly, basically whatever is left in my bank the day before payday and over the year this builds up. This usually never gets to more than £1.5k before I get an opportunity…
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Lisa - specific circumstances
Hi everybody, I would like to open a LISA account in order to use it along the 25% government bonus when buying ny first house. However my situation is a bit specific so I wanted to share it with you to see if I really fit the criteria. I'm French and inherited couple of months ago 2 pieces of farmland from my grandparents…
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Lindsell Train Global: what the hell is going on here?
I'm a bit puzzled as what is going on at LTG as despite the S&P hitting record heights and the positive gains on the FTSE of late the LTG price seems to keep falling. It seems to do the very opposite of what one expects. All very strange is there something I'm missing? I know it has no tech stock in it's portfolio.…
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Park First / Group First Airport parking Investment
Calling all investors in Park First Airport parking . The companies have gone into administration - we are a group of investors who have come together in a closed / private Facebook support group to get our money back. We are looking for anyone else who has also invested to come over and join us-…
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Moving savings from other EU country
Hi. I am thinking of moving some of my savings from other EU country, as I don't live there anymore and would like to have my money closer and more accessible in the UK. Thankfully there is a Starling Euro account and I could wire Euros myself using SEPA transfer. My question is about taxes: I am pretty sure I should not…
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Bare Trust - easy question?!
My wife has a life policy and I want to set up a Bare Trust to ensure that, on payout, the money goes directly to our children. My question is :- Can our children be named as Trustees of the Bare Trust as well as them being the beneficiaries? I have scoured the web and cannot find an answer to this! Thanks in advance. :)
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Transfer vls80 from hl to Halifax sharedealing
I am not an experienced investor so apologies if this sounds really basic. Looking for advice on best way (lowest cost) to transfer my vls80 isa from hl to Halifax.Already have vls80 with Halifax and want to transfer vls 80 from hl as paying higher fees with them.Would it be best to sell my hl and the transfer the cash to…
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Emerging markets funds
I am looking for an actively managed emerging markets fund for my portfolio. Most of my EM exposure is in Stewart Investors Asia Pacific Sustainability which I am happy with as a good, low volatility fund, but I want to add more geographic breadth and a little more risk. I plan to be overweight EM, divided between Stewart…
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Help to Buy ISA, Lifetime ISA or other
Hello I'm 42 years old and have recently married. He is 45. For the first time in my life I am relatively comfortable with money. If we are very careful with our spending over the next coming year there is a chance we could save enough for a deposit on a house. Now I am not sure of the best way to save for this. I opened a…
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Son wants to buy shares
Son is now earning & has declared he wants to become a shareholder. For the bragging rights, not realising quite what investment means yet. I'm all for this but think that an electronic holding is fine whereas he wants the full braggo of share certificates... I've not bought shares in a while - and last I heard there's…
