-
Nat West switch bonus payment timing ?
Does anyone know when the £175 is likely to be paid out on accounts switched to Natwest ? I vaguely thought it was June. any info greatly appreciated, thanks
-
House Fund
Hello, I’ve recently received an amount from inheritance. It’s larger than the savings per bank £85k (I know I’m super lucky - I had a smart gran). I’m looking to buy a house with this later this year,but I want to protect it for the time being. Especially given the current situation. Given that I want to buy a house in…
-
Moving money out of ISA
Hi, I have recently switched my ISA over to a provider offering a better rate but I have just seen on their website that they have now reduced the rate on it so I am waiting for the dreaded email/letter telling me this. I wanted to query something.....If they do drop it and I decide to move all of the money (60k, 3 years…
-
Slightly embarrasing...
.. market statement number 271. https://otp.investis.com/clients/uk/goldstone_resources_ltd/rns/regulatory-story.aspx?cid=1561&newsid=1385145I'm not sure how the first line of the second paragraph even works !
-
Things to learn from this terrible situation.
So what lessons have you learnt or have had reinforced? I'll start: Try and build up a savings buffer of a few months.
-
Calculating tax on gains help
Can anyone please confirm if this is the correct way gains on the same share are calculated year to year? Year 3 has me unsure which way to calculate the cost price of shares sold, but if year 1 or 2 is wrong then it's all wrong! Thanks in advance. Here goes: Assuming taxable income on gains. Year 1 In year 1 you buy 100…
-
£5k starting savings allowance - Query is it worth having an ISA?
This £5,000 ‘starting rate for savings’ means anyone with total taxable income under their personal income tax allowance plus £5,000 will not pay any tax on your savings. This means if your total taxable income is less than £17,500 for 2020-21, you won’t pay any tax on your savings. It helps to think of these allowances…
-
Best interest rate accounts
Where's the best account to get the best interest rate.
-
HL Wealth 50
I recall that HL would not list certain funds on the (arguably spurious) basis that they had no track record and had never been tested in a crisis. It will be interesting to see if their list changes as a result of the current market slump. Or will it still contain the same old names which, coincidentally, offer a discount…
-
Investing Birthday Money
I received £400 from my grandparents for my 21st birthday. Really keen to start investing but I'm a student so will need the invest to be relatively liquid. Any suggestions with interest rates being so low?
-
Investment Management & Fees
Looking for some advice on investment management fees for an inheritance of £300,000. I have no experience in this area and I have been quoted the following - £1,500 for a full initial investment report, 1% placement fee for monies invested with an annual ongoing charge of 1% which covers all administration, ongoing advice…
-
Why do people discourage investing only in the US markets?
Whenever I Google the question I always read answers like "If the US economy ever takes a downturn..." or answers to that effect, but isn't this a bit of a meme at this point? The US market accounts for 55% of the world economy, never since US markets existed has there been a prolonged downturn in the US markets without…
-
Vanguard Income Distribution
I noticed that Vanguard are not yet showing the distributions for the LS funds. Does this mean that no dividends are payable this year or that they haven't yet published them. All the underlying income funds appear to have had a distribution in Dec 2019.
-
Lost TSB Savings Account
Hi I had a flexible savings account with TSB. It was last active in 1998, I have paperwork with the original policy number & balance. I completed the online form on lost accounts & have had a response, the savings account was not found. HELP! I lost my job in January so really need my money back. Thanks in advance!
-
How do I find which platforms offer the funds/ shares I want?
I'm interested in, for example, investing in Amazon, Poundland and Samarang Asian Prosperity. How do I easily find all the platforms that offer these shares?
-
Stocks & Shares ISA - Where to start?
Hi, I've been spending my spare time trying to research Stocks & Shares ISAs over the past few weeks and still not 100% sure what is the best option for me.I have saved for a Deposit + Moving / Decorating costs & have 3 months living expenses saved (Based on outgoings with overpaying mortgage etc) and now wanted to look…
-
Leaving IFA
Hi. I'm with an IFA but I'd like to have a go at managing my ISA and pension myself (which are both on the Fidelity platform). I struggle to see the value he's providing when my situation hasn't changed for years and I'm at least 20 years away from retirement. How do I go about leaving him? What happens to my Fidelity…
-
Is it hard to calculate tax in a general investment account?
Does anyone have any experience of using a general investment account to buy funds/shares? Was it difficult to calculate the tax etc? I'm thinking that accumulation funds may be tricky.
-
Advice on returning bitcoins to cash
Hi, I feel I may have fallen foul of a scam?? Maybe not but I was looking at possible fx trading, paid some money which they turned into Bitcoins. I regretted doing it so asked to cancel and get my money back. They say I cannot do that without transferring over 9,000 euros to the Block chain (don't really know anything…
-
What to do with Small Pot?
Hi All, I posted something some time ago but since Covid-19 I've taken my eye off the ball and I wanted to know where to properly hold my money. My wife and I are hoping to buy a house in the new year and I want to have £20k minimum for my share of the deposit. I basically for now want my money to work as hard as possible,…
