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Capital Gains Tax due on partial sale
Say I invested £100000 in Apple over the course of 2 years. The capital growth is 20% and now the investment sits at £120000. I’ve made a capital gain of £20000. If I were to sell £100000 of the investment and leave the gain £20000 invested would I be liable for Capital Gains Tax ?
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Atom fixed term bond ?
If the Atom bond maturity is on say January 23rd and you give them prior notice you want the balance and interest to be transferred into your nominated acc would it go in on that day or at a later date,and if the latter how long. TIA
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Robo advisors
I've got a small lump sum (about 2k) as well as monthly contributions to invest and as I am new to this and do not have a lot of time I was looking at Robo advisors. I know that they don't get you a return as good as you can get with manual investment but a medium risk plan there would probably still be more effective than…
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Historical calculator?
There's plenty of calculators out there which allow you to calculate how much you'll have if you invest now and contribute every month with compound interest etc but is there a calculator site out there that let's you plug in a date, for example March 2000, £5000 and then £500 (adjusted for inflation) a month every month…
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CGT avoidance on selling shares from SAYE 3 Year Sharescheme
Hi there, My partner has been saving £500 a month (total 18k) in his company share scheme for the last 3 years. It recently finished and he opted to buy the shares and we have received the certificate in the post. We want to now sell the shares as there is currently an increase in price of the shares of nearly 16k. We…
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Investment of Care home savings
Hello All, We have recently needed to move my 86 year old mother in law to a dementia care home, and subsequently had to sell her home. The good news is that the home is really nice and she's settled in very well and I'd say quite happy. The frightening element are the fees, which I now know to be fairly standard, and will…
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Help on ISA's
So I've never had an ISA but I think it's time I started trying to make my money work harder. My Husband and I have plenty of cash savings and I have a decent pension (he's a stay at home Dad and my pension offers sufficient income for the both of us, but he'll return to work next year and start a pension then) I am now…
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Funding a Santander regular e-saver
A clause in the T&Cs of the Santander regular e-saver says if the account is not funded by standing order from a Santander current account they reserve the right to change the account to an everyday saver. Has this clause ever been enforced? :beer:
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Adding to fixed rate ISA
Can I add funds in subsequent years to a 5 year fixed term ISA? Thanks.
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Opening Post Office Online Saver Account
Hi, I opened a Post Office Online Saver Account yesterday, and received an email immediately telling me they needed to complete their account opening checks and then they would contact me. I wondered if anyone could tell me how long does this process normally take to open an account? Thanks
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Impact of emerging markets on Vanguard ETFs
I have charted Vanguard's All World ETF (VWRD, in yellow) against the Developed World ETF (VEVE, in blue) and there is barely a cigarette paper between them. That suggests that emerging markets - the area within VWRD but not in VEVE - has tracked the global market, but when I add the emerging markets ETF (VFEM, in green)…
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Advice on selecting funds?
Hello. New to this forum albeit I register a long while ago. I sold some of my business a couple of years ago and since has it invested but managed by my local IFA without particularly great results but with rather high fees. I’d like to take control and begin selecting my own funds. I have a HL account and appreciate…
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Savings for Grandson
Good afternoon I have a savings account for Peter, my (paternal) grandson which I opened when he was first born, depositing £25 monthly into the account, he is now 13 but unfortunately estranged from the paternal side of the family, he lives with his mum and other granny. I am aware at some point only Peter can control the…
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How best to invest/save £10k today
Hello all I'm after some advice. My wife and I have managed to save up about £20,000 over the last few yeas but my wife is really quite risk averse so this has always just been in a cash ISA. I've managed to convince her that that we don't need all that money in an easy access account and could afford to lock some of it…
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Nationwide Flex Direct £1000 pay in requirement. No Visa credits new requirement?
To earn 5% AER (4.89% gross p.a.) interest on balances up to £2,500 you’ll need to pay in £1,000 a month, not counting transfers from other Nationwide accounts or Visa credits. If you’ve had a FlexDirect before, you won’t receive this offer again, unless your new FlexDirect account is in a different name or names. "not…
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Final year from Nationwide 5% regular saver
Any suggestions as to where to put it for half decent returns? Currently moved to my Kent Reliance easy access earning 1.42% a month. And move £500 a month from that into the Kent Reliance own regular saver giving 3%. Also put in £600 a month into a S&S isa. I move all my wages into the 1.42% account until it moved into…
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Cavendish and iweb transfer to save fees
Chaps I have a S+S ISA account with Iweb for the tax year 2017-2018 and another with Cavendish for the years 2018-2019 and 2019-2020 to use the automated monthly investment function. Unless I'm mistaken: * The Cavendish fees are 0.25% per annum with no fee to transfer out. * The Iweb fees are £25 account opening fee…
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New Baby Savings?
Hi all, We've recently had our first child, a beautiful little girl who is 11 weeks old. We'd like to start saving for her for when she is 18/21. Havent a clue where to start though? I'd like to be able to add in different amounts each month when we have spare cash but I'd like it to be untouchable until she reaches 18/21.…
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Good ethical / sustainable funds
Hi All, I'm looking to identify good "ethical / sustainable" funds for a regular monthly payments. I'm aware that "ethical / sustainable" could mean a wide range of things and is different for each individual but generally thinking no shares in oil, tobacco, arms. Looking for long term growth in a well performing fund but…
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New to Investing
Hello everyone I have just joined this forum I have circ 5k to invest, I have shares already in a large FTSE 250 company which I get dividends, and is doing well I am mortgage free and so can make regular monthly top ups. Any financial advice is welcomed. Thanks in advance.
