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Mid 30's and looking forward rather than backward (investment / pension planning)
Hi all, like many I've got more time on my hands than I did at the moment and the future is very much a focus. I've spent the last 10 years completely clearing all debt (bar mortgage) which peaked a couple of years after uni (three credit cards maxed, two overdrafts, student loan etc etc. Good times). It's fair to say…
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Savings
Hello, I have switched to monzo and they have these pots you can create to save. i'm just curious to see what people save for - Say a set amount each month for certain needs. Emergency funds, Car service, general savings, holidays Whats your strategy? Thanks?
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Open a A.J.Bell account?
I've just about decided to open a A.J.Bell Stocks and Shares ISA account and a SIPP. Trying to get an exact idea of costs etc etc even using the sticky on this site and many others is so difficult! I thought that insurance, utilities etc were difficult , but far easier than platforms. A few comparison sites state that…
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S&S ISA allowance & H/Lansdown selling your funds/shares units
So you have a S&S ISA with Hargreaves Lansdown that holds 'old money'. You have either contributed to a S&S ISA elsewhere for this tax year or you want to leave your options open. Hargreaves Lansdown message saying you need to add cash to cover fees else they'll sell off units to pay for the fees which you don't want. Does…
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ST JAMES PLACE OR IFA
Helllo. I have been approahed in work by SJP regarding investment. I am only small fry and have 20/30 to invest. Have just seen some negative comments from October 2019 and now doubting whether i should invest with this company. They have reduced upront charges to 3. 3 %. Obviously in present climate anything is better…
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Personal savings allowance and tax code
Hi there.I am a basic rate taxpayer.HMRC have issued me with a tax code for 20/21 of 1069L made up of 12500 (personal allowance) - 1805 (taxable interest).I will probably receive about £1400 - £1600 in taxable interest for 20/21.Does the tax code mean HMRC think I will receive £1805 in interest (a slight overestimate to…
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Google Password Checkup extension - Hargreaves Lansdown data breach?
I use the Google Password Checkup extension on my browser which warns about any recent data breaches. I logged onto Hargreaves Lansdown and got a pop-up warning me that the site had a recent data breach and that I should change my password. Anyone else seen this - can't find anything on the web.
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Long term investment etf
Hi all, I was initially looking at investing in an ftse100 tracker, but after researching more it seems to be a notion to be diverse as much as possible and cheap and thus probably perform just as well as the general fund managers. does anyone think it’s a good long term investment? Looking thru the list on just etf There…
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Is it possible to gift Stocks & Shares to someone else?
Hi All, Hoping someone can help, I have around 75 Shares with IWeb Trading in a company, all valued at around £1500. It is in a Stocks & Shares ISA. I want to gift these shares to someone else. Is that possible? Anyone any experience with doing this?
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Savings Interest Rates Reductions
Who’s really to blame? The drop in the BOE base rate, or are banks trying to claw money back from offering payment holidays and the like for 3 months and losing out on late payment charges and overdraft interest etc?
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Starting my journey!
Hi all, Please accept my apologies for my naivety in advance! I have read through a lot of posts and followed some but this is my first time posting. I’m 26 years old and looking to start my investment journey. I have bought my house and maxing pension contributions. I am confident I have an attitude suited to high risk…
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Moneybox cash Lisa - how to find your isa number
trying to find my isa number. Any idea where I can find it on the app? Need it to move to new provider.
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Is the government manipulating the market?
If the Fed is willing to print unlimited money to bolster the stock market and prevent it dropping, isn't this manipulation? The entire point of a free market is it's a reflection of the actions of people. People buy and it goes up, people sell and it goes down. But with the government stepping in to absorb the sellers it…
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Shares and Capital Gains
Hi I've been trying to get my head around this with little success. I'm in a few share schemes in my work, a sharesave account which matured last year and I sold the shares for around £11k last July. I also have a CSOP which is about to mature which after paying for the shares I should make a gain of around £7.5k. From a…
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Accidentally Paid Money into Last Years ISA Provider Today, any options?
I'll hold my hands up I dropped the ball a little here.Last year I had a S&S ISA with Santander with a monthly DD into it of £150. I bank with them and it was simpler for me at the time. This year I wanted to keep the Santander one as it is, not extra funding and open a new account with Vanguard. Problem is my DD normally…
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Fund v ETF which is better
In the context of big global index trackers, Vanguard, iShares, Blackrock etc. All else being equal, why do some investors prefer funds over ETFs? With funds being priced daily after you have dealt, the price is unknown and in current markets can easily be 5% different from the price when dealt. With ETFs you at least know…
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What are the tax implications of a grandchild receiving a cash gift
Hi, What if any are the tax implications of a very young grandchild receiving a substantial cash gift from a non national (ie not British) grandparent who is domiciled abroad? I think it can be any sum but if the donor dies within 7 years there is an inheritance tax implication. I also understand that tax is payable on any…
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Help to Save payment - no sign of it though removed from HMRC account
Hi, Anyone else waiting on a Help to Save payment? It's not been paid into my bank account though the £600 is no longer in my HMRC online account. Should I be worried? Or is a delay normal? Ringing HMRC is not easy due to obvious reasons. Long waits and cut off. Thanks
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Saving for a deposit for my child
Hi, My wife and I are about to bring a child into the world and something her parents did for her I would like to do for my child but not sure of the best account. I would like to put aside £50/£100 per month for the next 18 years giving our child a nice deposit for a house. I would rather like to keep this in my name so I…
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LSE ETF in GBP without USD exposure - any good ones available?
Hi, I am new to investing so before I make long term decisions I have got to check every detail as it is not as easy as I thought :) I just posted in someone else`s topic ( https://forums.moneysavingexpert.com/discussion/6125781/emerging-markets-fund#latest ) as I am a bit confused about ETFs available on LSE that although…
