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UK Smaller Companies IT or Fund
I’m looking to invest in a UK Smaller Companies IT or OEIC Fund as a satellite part to my portfolio. I am considering Rights & Issues IT, it is currently trading at a discount of around 9/10%. Also looking at the Blackrock and JP Morgan IT’s and the TB Amati OEIC fund. Does anybody hold or has an opinion on any of these or…
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S&S ISA Allocation (Slight Reprise)
Hi, I posted a potential S&S ISA fund allocation a while back and got some v useful answers. I wonder if you experts could cast your eye over this allocation and see if it appears diversified enough? Still too UK heavy? I've reduced the REITS allocation from 20%! ;-)
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HSBC and Firstdirect Regular Saver Accounts Rate Drop
New accounts pay 1% from today (as flagged by a leak in an earlier thread). Guess my current 2.75% ones will be my last. Not worth the hassle for 1%.
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Disappearing accounts
The list for the best easy access savings accounts seems to be completely different from when I looked at it 1-2 weeks ago. Does anyone know- is this due to the accounts being withdrawn (perhaps due having enough subscribers) or the interest rates dropping?
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Investing for niece
I want to start a long term investment for my niece and given she's 10 it has plenty of time to grow and take on some risk. Is there any real benefit to starting a child/junior stocks and shares ISA as opposed to me simply including her money within my own ISA and then gifting it to her when I see fit. It would only be a…
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Any Fund / IT/ ETF for investing in Banking Shares and Utilities
Please can some one suggest me any IT/ ETF/ Fund that particularly invests in1) Banking sector2) Utilities SectorThanks in advance.
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Paying tax on savings interest and dividends when on a low income
Hi - I've got a couple of (probably fairly straight-forward) tax questions that I'm trying to get my head around, so would appreciate any input. Examples on the government sites and others are usually aimed at people with wages and generally higher earnings, so aren't usually applicable to my current situation ! Basically…
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Self Assessment Tax Return and where a dividend payment from a GIA goes
Hi, I am completing my first tax return and have a dividend amount of under 2K to include from a GIA I have. I am unsure however of which box to include this information. Does the amount go in Box 4, dividend from UK companies or Box 5, other dividends? Thanks in advance for any advice.
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Retirement and benefits
My wife reaches 66 at the end of November 2020. She receives ESA and PIP. She hasn't heard nothing from the DWP to suggest her ESA will stop and replaced by state pension. Will this automatically change and will PIP stop also. Kind regards Jeff.
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Participating in AirBNB IPO - best trading platform to use?
Hi all, Am after advice on low cost investment platforms and how to use one to potentially take part in the AirBNB IPO, or to buy shares in it post IPO. I've read the MSE guidance on platform best buys, but as someone who will buy shares once in a blue moon, I don't want to sign up to the more expensive versions like HL or…
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Apple stock split
For Capital gains purposes I track the price I bought Apple shares, the amount and then work out the gain via the sale price At the moment, my spreadsheet shows a considerable loss as the number of new shares is not accounted for How would I account for a stock split in this way? Would I simply need to alter the number…
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NS&I withdrawal "could take several weeks to complete"
Just got this from their customer support line (after 30 mins on hold) following an error message trying to make the withdrawal online. I was trying to withdraw income bond monies to my registered external account although they also indicate the delay is for all internal transfers too. Basically my money is stuck with them…
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RoyalMint DigiGold
Anyone have any experience of using the RoyalMint's DigiGold? Any comments on quality of service or ease of selling the gold back? TIA.
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Personal Savings Allowance question
Hi, my basic salary puts me in the higher rate tax bracket; however, I have recently started contributing a large proportion of my salary into my pension (I have a pension through my employer) which has reduced my taxable income so that I am now in the basic rate tax bracket and no longer paying higher rate tax. So what I…
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S&S ISA vs. General investment account
I'm looking at opening a Stocks and Shares ISA account to start operating with funds. I'm considering the most popular providers (Vanguard, Fidelity, AJ Bell, iWeb, etc.). Most of them have a broad ranges of funds in the search tool they have in their websites, however I have heard that when you open a S&S ISA account the…
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Cash Savings
So there is a lot written about how much someone should keep in cash Savings and the general consensus seems to be a maximum of 6 months in an emergency fund but no more than this as any extra should be invested in isas and pensions. But what is never mentioned for some reason is how things such as annual expenses,…
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Investing through E*TRADE - Capital Gain tax in the UK
Hi experts. I have a question on which you can hopefully help. I have a stock option plan provided from my employer through E*TRADE. The good thing is that I am able to create an individual brokerage account within E*TRADE and trade US stocks, ETFs etc. However, the earnings would not be tax free. E*TRADE says that I am…
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Cash - How Much to Keep?
This old chestnut again. I have £215K invested. I have £40K across "instant access" bank accounts paying !!!!!! all. I have £19K in some NS&I index linked certs. Stable job (until it isn't) bringing in around £3K/month net. Outgoings of £1000/month + any discretionary. How much would you keep in "instant access"? I've used…
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Premium Bonds - £50k each?
Can both my husband and I both hold £50k each? We currently have £50k in my name and £50k in IB’s in joint names. In light of interest rate changes we are thinking of moving the IB’s to PB’s in my husbands name, is this possible and when do you think would be the best date to make the transfer? Thank you
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Overpay mortgage or save into LISA or Pension?
Hi everyone I am stuck as to which is the better option. To overpay my mortgage or invest in a LISA or contribute more to my pension. I currently have a £184,000 mortgage at 2.23% over 30 years. I have zero debt and 6 month emergency fund saved up. I am 32 years old. I currently contribute 10% into my pension which is…
