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Investing Question/MoneyFarm/Disabilities
I'm tentatively starting to think about investing some money, I'm not sure how much I will invest but it'll most probably be under £20,000 and it'll be gradual probably in £200-500 chunks over a few years. I'm a disabled person and I have SEN (specifically dyscalculia, dyslexia, dyspraxia and a small dose of Aspergers).…
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Child turning 16 with savngs
My son is about to turn 16 in march and I have been putting money away into a Junior Easy Save with OneFamily previously engage mutual. The account has about 4k in it and is about to be transferred over to him. I dont want this to happen as 4k for a teenager is not the best idea. He wants to buy a car at 17 so I am…
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NS&I savings
Is it worth considering NS&I premium bonds (1.4%) or income bonds (1.15%) as an alternative to other instant access accounts? I'd like to keep it on the same platform as my current account but nationwide only pays 0.3% for easy access savings.
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ISA allowances
If I open an ISA today do I need to pay in the full 20k before April to make the most of it? Or can I open one now and pay in over the next year
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Dumb questions about LISAs
* Can I use my LISA to pay only part of my deposit? I.e. if I don't have enough in my LISA, can I pay what ever I can with my LISA and pay the rest with money from elsewhere? * Can I use only part of my LISA to pay the deposit? Thank you in advance
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Bonds or WP Funds?
I am trying to decide on either bonds or Wealth Preservation style funds or IT’s for my overall portfolio. I am finding it difficult to make a decision so I thought I could ask for some views or comments as this may help me decide. At the moment I am considering these options:- a) Vanguard Global Aggregate Bond UCITS ETF…
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Invesco High Income
Can somebody please explain whether i should be concerned about my historical long term ISA holding in Invesco High Income. I have read that there is concern about the high number of unlisted stocks it holds and that some investors are withdrawing money from the fund. Is there any other fund with a similar profile Into…
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4% bonds - AFC Wimbledon football club
AFC Wimbledon, the football club, has just published a bond issue and you can choose your preferred rate of interest up to 4% per annum! The bonds are for 5, 10 or 20 year terms for a minimum investment of £1,000. The club has already raised over £1m from the bond. (Google it, “The Plough Lane Bond” - I can’t post a link…
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Holiday home and care home fees
Sorry if this is the wrong forum but it will be an investment so this is the best match I could find :D I am looking to buy a holiday home in Spain and wondered what might happen should me or my wife have to go in to care. I appreciate that the other partner would not have to sell our UK home to cover fees if they were…
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Regular saver vs other accounts
Are regular savers still worth it? With rates so low for regular saving account especially are not many allow a drip feed from another saving account, if you have a lump sum which you may not need for a year are you better off with the money in either 1. Easy access. I have a 1.5% rate account still in use 2. Notice…
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iWeb stock and shares isa
Hi, I’ve just opened an iWeb account and have asked for my cash isa with another provider to be transferred, 45k. There are so many funds to choose from I was hoping for some advice on what to select. I’m 50 years old mortgage and debt free. I have 250k in various accounts in cash. I will be adding the max to this stocks…
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Navigating the junior investment ISAs minefield
Hi, As interest rates are nothing special and I don't mind taking a few small risks I've been looking for a while at putting some money for our daughter into a junior investment ISA. Scottish Friendly are offering £120 cashback for a £1000 lump sum investment (which is around the amount I want to put in intially) but I…
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Costs of purchasing investments
I think I may have been lucky, it wasn't by design, as for the purchase of each of my last 6 investments I have paid either nothing or £1.50 (I'm with YouInvest). Then on my 7th purchase, an investment trust, I paid almost £20 in the charge plus stamp duty. Smithson was free (IPO) and an in-house income fund of YouInvest…
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Procedure for claiming tax back on sale of Canadian Shares
I'm posting this on behalf of my partner: I have sold a quantity of shares in my holding of Thomson Reuters as part of a Dutch auction (A Dutch auction is a public offering auction structure in which the price of the offering is set after taking in all bids to determine the highest price at which the total offering can be…
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CGT on Vanguard LS fund
A friend, who has vanguard investments, recently received a newsletter from them saying that 'Multi-asset funds such as our LifeStrategy funds are not liable to CGT on the gains they make within the fund.' We're both rather confused with this statement; is it correct the way it reads, or do they mean only within the ISA…
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Advice regarding stock and share ISA
I'm a young adult with a very good disposable income looking to invest some of my money. I already have BTL and a reasonable saving and looking for a long term investment. I have looked at the vanguard company and interested in the S&P 500/global index. The lifetime60/80 has also caught my eye. My current train of thought…
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International tax on global stock funds
Hello, I understand the withholding taxes of dividend payments from some foreign countrie's stocks However, there is another tax, gains tax. From an article on Investopedia I read that, for example, Italy, charge 20% tax of any gains of stocks by non-residents. Just because I invest via a UK/Irish fund, eg a world/europe…
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CGT for joint account
Am i correct in assuming that because we have a joint account we can earn 4k of dividends before paying CGT
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IFA and my mums investments
My mum came into a reasonable sum of money some time back which at the time was sufficient for her to use a financial advisor. He's was out this week for his two-yearly face to face review and it would appear that her money is split across two investment products with the rest being "cash" she manages herself across…
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Monevator articles?
As well as following this forum everyday, I also enjoy reading the Monevator articles. My problem is that due to time constraints I cannot always finish the weekly article before the next weeks article is published. I cannot find how to access the weekly articles, very dim of me but I have tried everything but cannot bring…
