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Investing in oil
Are there any OEICS that specifically invest in oil? I have JPM Natural Resources but that has lots of other stuff in it. There is CRUD but that is an ETF. Thanks
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Paying for tax liabilities on shares about to vest
Hi, I was given a share award by my company when the company went public, the first tranche will be vesting soon. I have received an email advising that I will be subject to withholding tax liabilities and that my company will arrange with the share plan administrator to sell enough shares to cover these liabilities and…
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Unwanted Endowment
Hi, is there any help with this rather complex issue. I opened an endowment (savings) for a friends child about 15 years ago and have paid it ever since. It has now matured and due to his (the person I opened the account for) family situation he doesn't want the money. I was wondering, as I have been paying this for years…
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3 Regular Savers Maturing
Hi All, My HSBC regular saver matured today so I set up a new Regular saver at 2.75%, however, I have the money from the old saver and two more Regular savers that are maturing in days, what are my options? I will need around £15k (more if possible) around next January/February for a house deposit. My gut instinct is to…
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Shareholder in a limited company Advice needed
Hi, i need some advice, i have shares in my ex husbands business ( we dont speak as it ended badly) he has never paid out on my shares but paid out on the rest of the other shares they are a-d shares ( i hold 5.87% B shares) is this illegal to do this? Also i want to sell them do i have to sell them back to the company or…
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LISA for a house deposit
Hi All, I am struggling to find any information as to whether or not i am only allowed to use the LISA as a deposit or i am able to add additional savings when they time comes to put down a deposit? Thanks in advance :smile:
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HTB transfer to LISA ,Old/New money.
I'll bullet point for ease! Had Hallifax HTB and saved approx £1300 been sitting there for 2yrs untouched/or added to. (old money) Opened a LISA to give greater spending power on 1st home as £250k wasn't going to cover a home in my area. Have paid into LISA this tax year 20/21 , approx £3k, can still pay the £1k to max the…
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What to do with money in cash isa?
I have a cash ISA with about ~£30k earning 0.25% interest, and perhaps the same again elsewhere earning no interest. I intend to buy a property for the first time in the next 1-2 years. Any suggestions for where to put it? Just opened an NS&I Income bonds, seems like about the best interest you can get right now...As…
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Post Office 1 year online bond issue 63
My wife applied for the above on 18th April 2020. We’re still awaiting reply from PO. When we ring they say they’ve outsourced the checks and are unable to help at this time. Is anyone else having similar issues.
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Cashing in investment bond - tax
I have recently cashed-in an investment bond held jointly with Mrs L since 2001. The gain as specified by the provider is about £16K, so £8K each. A couple of questions arising: 1) My understanding is that basic rate tax is regarded as having been paid and If I can keep my income in the 2020/21 tax year to £450 (approx)…
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Corporate Account opening
Do any of your regulars know of a company/platform that will allow investments made by Ltd companies?i.e. the account would be opened/owned by a ltd co rather than held personally, and used to buy funds/shares. I know Hargreaves have offered them in the past, but have stopped and don't know when they will re-start.I've…
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Gold!
I am in the process of diversifying my portfolio and would like to have a small amount in gold. I do not wish to have actual gold or gold miners, but I am looking for gold funds which have a good record and could be recommended. All replies would be appreciated.
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Shawbrook EA rate reduction.... 1.35 to 0.75%
Email tonight..." We are
writing to let you know that we will be decreasing the interest rate on your
Easy Access savings product. The interest rate on your account will change from
1.35% Gross/AER (variable) to 0.75% Gross/AER (variable) on 20/07/2020. Please
note, if your balance goes below £1,000, the rate will be 0.05%…
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Reliable, safe and cheap Cryptocurrencies Market
Any types for 06.2020? Best Regards
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Starting a Halifax stocks and shares ISA
Tried twice to create one of these but web pages stopped working at crucial points. Was attracted by relatively cheap costs as planning to just keep a few funds over a long term . Should I just give and use someone else? If their techies can't write stable code to let you create an account, how will it be when you actually…
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Brexit, funds and equities
What will a WTO Brexit do to the FTSE...immediately and over the next 10 yrs
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Liverpool Victoria Sale/Demutualisation.
I see from news reports that further to their change of structure, LV are in receipt of a number of offers from interested parties. I’m a member via life insurance but not a with-profits customer. What do you guys think of the likelihood of members getting a payout?
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SIPP Wealth Tax?
A recent poll suggested a WT on anyone with net assets over £750,000, which allowing for property equity would hit many - but still the minority - of people. As most the electorate do not have net assets of £750,000 it would be an easy target for raising taxes if not soon then the next Labour government. If you save into a…
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Raisin bank.
Wonder if anyone can help me out here. Opened a raisin account and topped it up to 20k on the 12th. May. I can't remember the bonus that applied at that time, whether it was £25 or £50 on an investment of 20k. Can anyone please advise. It's an age thing! Thanks.
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Trusts
Sorry if this is in the wrong place. My husband's great aunt died, leaving inheritance to his grandfather - it was around £50,000. His grandfather subsequently gave £10,000 to each of his two daughters. He gave £4,000 to his eldest grandchild as she was an adult. He then put £4,000 per grandchild into trusts and appointed…
