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Easy access Saving accounts
Im looking to put funds gain from a house sale into a number of easy access accounts.That offer a monthly interest (hoping to pool the interest gained into my personal account)..I had maxed out the premium bonds ,but with recent new im thinking of just placing them into a savings account, So far im with the Post office as…
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Please advise. 30 YO Diligent saver, never invested
Hello and thank you for your time. I have decided to invest around 10% of my savings (about 5k-6k to invest ) this year in a stocks and share ISA. I am 30 years old. I also have a blackrock 85 SIPP going with about 12k in it via work but I would like to invest myself in parallel, as I am sick of hoarding savings in banks…
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A little bit of guidance
I have just sold just over 4K worth of premium bonds and I would like to invest them probably in an ISA (I have still got some allocation for this tax year). You may read my other post, but i am not that far from retiring (hopefully) probably between 2 to 5 years maximum (initial plan was 2 years but i really think that it…
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Private pensions
I NEED YOUR HELP! My partner is self employed and we are looking to take out a private pension we just want something that works simply like my works pension pay a set amount each month and get a return come pension age without having to make investments ourselves or fo anything really I briefly looked into a stakeholder…
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My Financial Setup
Hi All, I have seen a few other posts like this on here and I was wondering looking for some feedback/recommendations on my financial setup. Basically I have just got married and my wife and I have that paid off. In July we are expecting our first child and we are looking to move house to a more family sized home come…
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Dividends for tax return - accumulation fund
I have some units in the LEGAL & GENERAL US INDEX CLASS C - ACCUMULATION (GBP) I know that dividends are re-invested, but need to know what they are for the year so I can optimise my year end position. The fund factsheet shows a dividend earned of 3.6p/Unit on 6 June 2019. Payable on 5 Aug 19. I believe there was a final…
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Best ISA's
Hi, my son is 2 wks off his 18th birthday, shortly after he turns 18 he will receive a large amount of money that has been held for him by the courts since he was 12yrs old, following a civil claim after his dad was killed in a motorcycle accident. We have talked about what would be the best thing for him to do with this…
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Amount equal to 100% current investments....would you re-invest in lump sum or drip feed ....
So interested to hear peoples views on what they would do (obviously this is different for everyone) for this scenario. Will make some assumptions for the base case. - Emergency fund covered in cash saving accounts or equivalent - Own a house with a mortgage, LTV @ 70% - no desire to repay mortgage - Contributing large…
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Why are Platform Fees for ETF's often capped at much lower prices than Unit Trusts/Oeics?
Why are Platform Fees for ETF's often capped at much lower prices than Unit Trusts/Oeics? eg. Fidelity charge 0.35% or 0.2% platform fee (depending on amount invested) for most investments. But only charge a maximum of £45 for ETF's. Could someone explain why platform fees for holding ETF's are often so much lower? Thanks
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Bonds v Savings
I have a lot of experience of saving money in fixed term savings accounts which are FSCS protected but can someone confirm if Fixed Term Bonds have the same protection up to £85,000?
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ISA Advice
My Dad has just got a new ISA that's just been opened with his inheritance from Mums ISA after she passed away , this was done via APS ( Additional Permitted Subscribtions). He now has 2 ISA accounts with the same bank but paying a very low interest rate , because of the £85k FCS limit for if the bank goes bust he doesn't…
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Advice needed - What to do with £85K?
Hi everyone, I have spent many months reading around the website and the forums but still find it very confusing what to do with my savings. Apologies if this is not the place to ask for advice, I can delete this post if against the rules. Im currently a 29yr old expat living in the Middle East. I am fortunate in being…
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Lloyds Banking Group Dividend
With Lloyds announcing a dividend od 3.37p what does this mean for my shares? Lloyds Ord 10p Share - 1,479 shares held Lloyds Bank Non !!!!!! 9.75 Shares - 60
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Investing advice
I've currently got savings of around £14k and most of my 5% savers are running out and I'm very underwhelmed by the current saving rates. So I'm leaning to starting some investments in funds and/or stocks. Bit of info Age 27 Mortgage at 1.79% Pension contributions increased to 6% (no extra contribution from work) Aim -…
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Tax on Dividends paid by French Listed Companies
Could someone kindly let me know what the tax position is on dividends paid by French listed companies to a non resident. Before investing thought that I should confirm the position. :)
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Optimum Cash ISA vs S+S ISA Percentage?
Hi All, Hope this is in the correct forum. Looking for some thoughts on the optimum split of cash ISAs vs S+S ISAs... Just reviewing our savings position ahead of beginning of next tax year. We have approximately £191K in savings currently and this is split as follows: Me - £68K in Cash ISA (1.2% interest in fixed term…
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Saving for Nephew/Neice
My brother recently passed away and my family members and I are looking to set up some sort of investment/saving/trust for his 3 children (oldest is 12) . We have a small amount to invest as an initial deposit (say £1,000) and then will look to add To this periodically. From what I can see, setting something up in “trust”…
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Fixed interest bonds
Does anyone have any experience of these?
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Could I get some advice on buying US stocks through iWeb?
I have £5,500 in my premium bonds that is money I don't need. I've got a plan in place already for the next tax year too. Now that premium bonds are even worse than before, I'd like to cash them all in and start dipping into the world of trading. I only want to do it with money I can afford to lose, hence these premium…
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Al Rayan Bank to switch off online banking next week - MSE News
Sharia bank Al Rayan has announced it will "switch off" online banking next week, sparking outrage among customers who are unable or unwilling to use an app to access their account... Read the full story: 'Al Rayan Bank to switch off online banking next week' Click reply below to discuss. If you haven’t already, join the…
