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Advice for a newbie please
I am 44 but have only just decided to try investing (apart from an employer share purchase scheme and a company flotation), so I'd love a bit of advice before I commit. I want to get some long-term growth started in a S&S ISA but I don't have a firm time frame for when I'll need to cash in. Obviously I have rainy day money…
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5% Yield Target on Inheritance
My husband and I are very fortunate to have inherited £620K and will have the funds very soon to invest. We do not require our inheritance for income as I am still working and we have no mortgage or debt and good savings, ISA's and SIPP's of our own. We do not want to put this money into fixed interest savings accounts…
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HSBC closing savings account and moving it to another banks saving account
Have a regular unlimited access savings account with HSBC. I have opened a savings account with a new bank (as I moved my current account). HSBC are telling me me it's going to cost me £17 to move my money. (About 40k). This seems absurd. Is this legit? If so, how is this even legal in this day and age?
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LISA or pension
Been debating this for a while after reading up on things but nt sure what to do have a spare 50-100 a month after S and S isa contrubutions currently contribute 5% and employer 4% to my pension do i use the 50-100 to contribute more to my work pension or do use a LISA just for diversity? i envisage i'll turn to partner…
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Best share dealing company?
I'm considering opening 3 share dealing accounts for me, my wife and my Limited company. My wife and I have stock in the US, currently with Morgan Stanley and so want to transfer this to the UK and close our Morgan Stanley accounts. It would make sense to use the same share dealing company for all three accounts. Ideally,…
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Selling shares with a certificate
Hi Everyone Firstly I'd like to apologise as I am sure this will have been covered already, but I am not very good when it comes to things like this so I thought I'd ask anyway :) I have some shares on a certificate that I would like to sell. These are shares that I bought through a share save scheme at work. When I was…
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FORD MONEY = 1.55% Gross*/AER* Annual (Fixed) savings
Can anyone confirm if this is a good deal fr fixed rate CHECK ON ford money SITE Fixed Saver 1 Year £500 1.55% Gross*/AER* Annual (Fixed) 1.54% Gross*/AER* Fixed Saver 2 Year £500 1.65% Gross*/AER* Annual (Fixed) 1.64% Gross*/AER*
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Q-Investing in REITs ?
Im just researching re possibly pumping some money into residential property. I dont want to hold it directly My first look was at at UK property REIT which develops,builds then rents out but not necessarily to the social housing sector. I then thought, can i diversify further into mutual funds and ETFs but a lot of these…
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Which rules govern Ifa’s please?
IA bit of a strange one here, but if anyone here is an ifa can you tell me , do IFA’s have to follow the fca’s “The Principles’ (or is that just for product providers?) or do IFA’s have to follow the fca ‘conduct of business rules’ please? Or maybe both? Thanks in case someone knows!
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Trading 212 ISA
Does anyone here use the Trading 212 ISA? I have a few questions! 1. Can you transfer in an existing S&S ISA and how easy it is to do? 2. Does the Trading 212 ISA allow regular investments to be set up or do you have to trade manually each time you want to invest. 3. Does it offer fractional shares? Some things I've read…
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Brit in Dubai - Best way to save
Hi All. New here so please be gentle. I've been living in Dubai for years and really need to start sorting out my finances as I doubt I am getting the best out of what I have. Banking and finances are far far from my comfort zone. I am 40yrs old, in a relationship but with no kids. Marriage and kids are probably on the…
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Switching to a M & S bank account?
Hello, Can any member inform me about the conditions for operating a M&S account and specifically the as I understand it, servicing the account with £1250- each month. After servicing the account with the £1250-00 each month, does that amount have to be retained in the account perpetually or can you withdraw money to take…
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HK Resident/UK National- Where should I save my money?
Hi all, Looking for some advice on savings & investments. I currently live in Hong Kong SAR having been working here for 2 years. As I currently have money in both U.K and HK Bank Accounts, I wanted some advice on how to streamline my finances to make sure I'm getting the best value. Please see a summary below. Any help…
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Marcus Query
I’ve just applied for a Marcus account and received the following message after submitting my details: Your application is being processed, please check back later We're just reviewing the information you've given us and we'll get back to you soon. Just wondered if this is standard? Thanks in advance.
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Immediate Edge
Has anyone had any experience of this App (crypto robot). It sounds too good to be true! Does anyone know if this is a scam?
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Is there even point of saving accounts if you only have 2-3k savings?
Hi all, So i checked saving accounts in my bank (HSBC) and the max i would get is 2.75% AER. If i want to save 3000, so paying either 25 or 250£ a year. Which will result in 4£ or 44£ over year which is not that much. On top of that the other flexi savers have 0.10% which there is not point really at all it could as well…
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Santander 123 Reg Saver Maturity Letter
Hi all, I know there are others on here who have the 'full fat' Sant123 AND the Regular Saver. There are those like myself who keep the 123 balance wise quite full because of high/many DD/SO commitments per mth. So, I've today had my maturity e-letter from Sant and thought it may be useful to highlight this lovely little…
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Ex Div Date and Record Date
I'm trying to acquire more knowledge on this subject. According to information I been reading, the Ex Div date for stocks is usually set one business day before the Record Date. So can someone please explain to me why on the Vanguard site they show for (EG LS INC) the dates as the other way round ie EX div date 01/04/19…
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Easy access savings above inflation again
Today's consumer prices update has CPI at 1.3%, which means that for the first time in three years, it's (just) lower than the interest paid by the leading easy access savings accounts! Not exactly reason to crack open the bubbly but every little helps, green shoots, etc....
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Savings income tax question
Hello everyone. I have a question about declaration of savings income above 500 for higher rate tax payer (2018/2019 tax year). It is too late to ask, but I need to know what to do. I was higher rate taxpayer in 2018/2019. I have never done Self Assessment Tax Return as my company uses PAYE and all is done without my…
