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Commission query
I'll be as brief as possible with this. A friend has approached me to manage some of his investments. I'm an amateur investor of almost 30 years and trade regularly shares and funds. He is a person of considerable assets and wants me to, his words, "take some risks" with the funds/shares he holds. He is disenchanted with…
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How to move money from cash ISA into the stock market
I've got £34000 in an easy access cash ISA I reluctantly feel I need to move to a stocks and shares ISA (due to current savings rates). However I'm worried about putting a lump sum into the stock market all at once.Is there a way to move the money into a stocks and shares ISA but drip-feed it in without losing its ISA…
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Twino (P2P Lending) buyback guarantee
Hi folks, Friends of mine have moved some money into peer to peer lending platforms over the past couple of years. I have stayed out of it due to the risks (outside of my 'personal risk tolerance...' However, earlier today I was told that Twino are advertising a buyback guarantee as follows: Is this effectively offsetting…
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Artemis login
Anyone use Artemis please? Im having a problem logging in . I could swear when I last logged on , the first thing the login page asked me for , was my user ID . Now I am only confronted with an inital login page asking for email address and password , (which it doesnt recognize ). If anyone who has a normal account with…
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LISA with IFA
Ive invested some money into a LISA.Now im looking at personal pension options.Ive seen several options where you can set them up yourself online like moneybox pension pot etc..Ive been contacted by an IFA from unbiased website who wants 2% lump sum to reinvest the Cash LISA into a Stocks and Share LISABut is that a good…
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What to do when you've used your ISA allowance for the current tax year?
hi all. Currently saving for a mortgage. I've predicted i will hit my LISA allowance by October. So from then I will continue to save and then put a lump 4k in after 5th April 2021. I am then planning on buying shortly after. Just wondering rather than having money sat in my standard savings is there anything else I could…
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Tax on shares short term gain less than 12 months
Hello, I have shares which have been purchased anywhere from 8months to 1 month ago. I am thinking of selling some of them as I have made some good gains (Less than the £12,300 CGT Limit) I know in USA they have short term capital gains tax. Is there anything like this in the UK where I might have to pay income tax because…
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IWeb - veeery slow ISA transfer...
Over 3 weeks now and still my money has not arrived from HL or Dudley BS. Chased three times via IWeb online chat and told a pack of untruths, "in Hand", "have written last week", and the last one with a person/bot that just had not got a clue. A request for a call back on the phone completely ignored as though i was…
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dividends over the 2K dividends allowance, but within personal allowance.
Hi, Asking on behalf of a relative - if their dividends over the year is more than the £2K dividend allowance (say £3.5K), but the extra £1.5K is covered within their £12.5K personal allowance, do they still need to inform HMRC? Or only tell HMRC if any dividends over the dividends allowance becomes taxable (not covered by…
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HL buy limit
When buying shares, I have always bought at the time I am online. Is it better and common to place an order to buy when the share drops to a certain price? Does this cost more in dealing charges? Shares move around on a daily basis, it would be good if a deal was placed when the price is low.
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Does the FIRE 4% rule work in neutral sideways markets?
Obviously it doesn't work with bear markets as you're withdrawing 4% every year on top of whatever losses the market takes so as the years go on the 4% you withdraw will become less and less until markets pick up again. However it the market stays range bound for years, wouldn't withdrawing 4% severely reduce your capital…
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Drop LISA in favour of ISA
Evening all, Our goal is to retire early and we’ve recently started to save heavily to achieve this. We can’t currently allocate any further funds to our saving as we would still like to enjoy life with holidays, young kids etc. I’m 33 my wife is 31. According to my calculations using a 2% above inflation return we have…
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Moneybox LISA
Good evening! Im hoping that someone can give me a bit of advice please? My 21 year old son opened a cash LISA on Saturday. This was to benefit from the help to buy scheme. Today, he had an email from Moneybox explains that they were cutting the interest rate from 1.25% down to 1% However, he will still get the 25%…
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US dollar savings
Hi there anybody got any recommendations on best savings interest rates for US dollars presently ?? Thanks !
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Are hedged global bond funds the same as strategic bond funds?
The question pretty much says it. Is the hedged version of a global bond fund which invests across the fixed income universe (government and corporates) such as the hedged version of Pimco GIS Global Bond, directly comparable to a Sterling strategic bond fund?
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Best Portfolio Analysis Tool/website
FE Trustnet seems to be the only site that offers a full X ray, including down to detailed asset allocation , for free. Is that correct, and if so does it work well and are there any implications from joining Trustnet ( I have only ever used their freely available info) ? Do you get bombarded with e mails etc ? Or is an…
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savings in the bank
hello my auntie who is 97 has over £30,000 in savings in her bank. she will now have home carers four times per day. i have been informed she will have to pay her self because she has savings above £23,250. i have been told by several people to take money out of her account so it falls below £23.250 so she will not have to…
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Stock and Shares LISA providers
hi guys, what's your opinion on best stock and shares LISA (life time ISA) providers? preferably should provide 'ready mode' portfolios like nutmeg or moneybox, should have low overall fees - return is very much dependent on chosen funds so very much subjective thing to compare but if you can compare then that's even…
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Interest on fixed rate savings
My apologies if this has been discussed previously. Just under a year ago I renewed a 2 year fixed rate isa @ 1.65% which wasn't the best but was easy to do & chose to have the interest paid into one of my other accounts as I could get a better rate. I just checked to see when the interest was due & thought that as…
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Ford Money Data Breach?
I have just received the following alert on Google Chrome. Does anyone have any information or advice on this? Password Checkup extension The Password Checkup extension detected that the following 1
account has a password that is no longer safe due to a data breach. You should change your passwords now.…
