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Santander
Hi all, I opened a bank account online with Santander but my phone went mad and I couldn't take down the bank account and sort code, how do I get these?
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Vanguard LifeStrategy Fees?
The Vanguard LifeStrategy range has a OCF of 0.22%, however, don't the underlying index funds each have their own OCF too? So can anyone tell me whether you just pay the 0.22% OCF for the LifeStrategy fund or are you also effectively the average OCF of the underlying holdings on top too?
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Investment query
Morning all My first post and would firstly like to say that I have gained some great advice from reading this forum, so thank you to the many posters on here. After much reading, and with interest rates on savings so low I have decided to open up a S&S ISA and buy into the HSBC GS balanced portfolio. I will be doing this…
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Working out pay!
Hi, I don’t Know if this is the right page but I work 29 hours in a preschool, I do not get paid the out of term time, I only get paid what I work each month. I’m new there so only been there a day so far. I’m trying to work out how much I’ll need to save back each month to be able to have money over the weeks I don’t get…
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Cynergy Bank login from March 14 2020
More details on https://www.cynergybank.co.uk/authenticator I followed the Cynergy guide for setting up the authenticator. It took a couple of minutes to set things up, everything worked like a dream.
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IFA Charges
Hi All i have my pension and a S&S Isa with a local IFA who manages both for me and the cost is 0,5%, the total is 500k.I enquired about him managing a further 150k which is now with HL so it’s all under his management and he quoted me 1,5% to organise the transfer from HL to Old Mutual, are those charges the average, any…
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Old Abbey Tessa accounts
Just sorting out my study and was just about to shred some old bank accounts and happen to notice the word TESSA. I quickly picked it up and found letters dated 1996 from Abbey national advising that the Tessa I took out in 1993 in my wife's name and one in my name advising that each were worth over £7500. I had forgot…
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Markets - Minor Correction? (Edit: Question Answered)
A sea of red but not exactly the 'bloodbath' of media headlines. Looks like mainland Europe is coughing whilst the US is barely beyond a sniff so far. Is this the beginning of the long-anticipated correction or just another slightly bad (coronovirus) day at the office? Edit: Ouch!...We have the answer.
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OEIC Alternatives to IT's BNKR or FCIT
A lot of the global OEIC's seem to be highly concentrated funds with 25-50 holdings and do not appear to very diversified over sectors and regions. These include the usual suspects Fundsmith, LTGE, Rathbone Global Opportunties, Trojan Global Equity etc. Can anybody suggest any global OEIC funds (for me to research) that…
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Difficulty selecting funds to invest in
Hi My names Michael im looking to invest in a stocks and shares isa but im having difficulty selecting one between a few funds I have my eyes on. From what research I have done it would seem I want to put my savings in global index, but from what ive been reading about it would seem there is a better way to do it and bring…
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CGT follow up 30 day rule
Taxation principle question.In the context of crypto investments (e.g. BTC, ETH or any) so for this example let’s call the crypto coin “CC”. When buying or selling crypto on platforms it’s not unusual to put in a buy order for 5 CC, and the platform match all sellers to buy at best. Prices change constantly and sellers may…
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Government protected savings amount - Pension funds
Hi, I have two workplace pension funds with the same company (Fidelity). If the worst case happened and Fidelity crashed would I only be covered for £85k total or £85k per pension? Neither pension amounts to £85k yet but i was considering transferring in money from a 3rd pension fund (with another company) which given a…
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SIPP Non-Taxpayer Tax Relief
I pay in £240 into a SIPP with HL spread over a number of funds, and with tax relief it is topped up to £300. As a non-taxpayer I understand that is the maximum amount of tax relief I will receive and increasing my monthly amount will not further increase the amount of tax relief. Is that correct? And if so is there legal…
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Cash deposit into iweb isa, do I pay a fee?
If I make a cash deposit into my iweb isa, do I pay a fee? I'm unsure if this is considered a trade. I already have a couple of hundred £'s in cash sitting there in isa account & want to top it up to equal the final amount I'm still able to invest in the 19/20 period. Once money is sitting there my intention was to put the…
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Low Risk Savings - Best Vehicle
Hi, I have about £12K to invest on behalf of my teenage son (17); we want to put it towards a house (potentially) in 5/10 years time but I don't want to invest in a LISA in case his plans change (as I understand that withdrawing to spend on something other than a house would incur a 25% charge). Is the best bet a savings…
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Where are my options on where to keep and mostly spending 1000-2000 pounds a month?
What are my options for-where to put my money that is safe ect..? I live in the U.K. I’d like easy access from cash machines I’d like no limit to how much I can put in there in case I inherit a house please i like the pros and cons please or the bad parts too
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Move from Moneybox to Vanguard
I currently have a S&S ISA with Moneybox but the fees are high and I’d like to move to Vanguard. To complicate things, I appear to already have an empty S&S ISA with Vanguard from a previous tax year. What is the best way to move my investment from Moneybox to Vanguard under these circumstances and bearing in mind that we…
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£150,000 available to invest. What to do now?
Hello everyone! I am 32yo, single, currently working in the US with a 5-years VISA and I have £150,000 in cash and the possibility to save £2,000 monthly for investments. Considering the high levels of the markets and that I am not interested to buy a house at the moment, how would you invest this amount of money to build…
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StartIT.com shares
Whilst digging around
in some old documents I remembered that I had bought a small amount of ordinary
shares in StartIT.com from Barclays Stockbrokers in February 2000. I still have
the shares certificate and I can’t remember selling them. I contacted the Registrars shown on the certificate and they are no longer the…
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Wickes demerger
What do people think the outcome of Wickes demerging from Travis Perkins would be ? I have shares in the company and want to know if they increase or devalue.
