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Global Tracker
I posted a few weeks ago about investing in active funds. I seemed to have been grabbed by the headlines figures that active funds such as Scottish Mortgage Investment Trust delivers superb returns. Having listening to feedback only in a small number of cases do active outperform passive. I am new to investing and I do not…
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Advice - savings accounts for children
Hi there, I would like to set up savings accounts for my two boys. I'd like to pay in an amount each month, and then be able to give it to them once I feel that they are old enough. As I don't know how sensible they will be when they turn 18, I would rather them not be able to access the savings account when they reach…
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Stocks&Shares ISA Funds
Hi all Having only saved via cash ISAs for the past 5 years I am determined to be more smart with my cash and invest into funds. My plan is to use interactive investor and transfer 120k into 4 or 5 funds. Majority will go into global funds such as HSBC global balanced but also looking to invest a proportion into emerging…
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After advice for investing.
Hi all, have been here once before. A couple of years ago I wanted to start investing and I done lots of research at the time. But due to some personal reasons I had to put my plans on hold and wait till my house was in order. Anyway so I am now ready to start again, but the world is in a very different place this time.…
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Unexpected but short term wad of cash....
Looking for some advice... we were gazumped on Christmas Eve (insert expletives) but hadn’t yet exchanged on our house sale. We’ve decided to go through with our sale and not treat our purchasers like we have been treated (bit bitter...). We are going to move into a rented house for a while and keep looking for a new…
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Sell and re-invest
Hi, let's make an example, if I sell shares today and I re-enter the market soon, is this considered CGT? Taking out the allowances etc, I need to know if I pay taxes even if I re-enter in the market. Is it valid also if I invest in other companies afterwards? I ask this questions because in case of losses involved during…
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Best way to start investing regularly
Apart from my workplace pension I have not considered gambling with investments until now and have decided I can afford to risk about £200 per month.So being extremely risk adverse what would be my best option? I am looking at long term (20 years plus) because I won't need to access the money. I won't need to draw any…
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Reinvesting dividends classed as paying into an ISA?
I'm pretty sure it's not but I just want to make sure. I have a vanguard ISA and a Trading212 ISA and my Vanguard pays me a dividend but it doesn't automatically reinvest that dividend for me. However if I manually use that dividend pay out each quarter to buy more shares of the same fund, is that classed as "paying into"…
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Shawbrook 5 year 1.25% fixed bond
Hello I currently have approx 60k in a marcus instant account now only paying 0.5%I'm thinking of keeping 20k in marcus for a emergency fund and putting 40k in the 5 year fixed 1.25% Shawbrook bond Just not sure if 5 years is too long a fix for 1.25% ? Would welcome your thoughts Regards Steve
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ISA Protection/Safeguards
Hello,As I understand it with most ISA investment platforms you are protected upto £85k via the FSA if the business goes bust, but what about other situations? If I invest into an ISA what are the protections in place if say you get hacked?A lot of these ISAs are managed via the web e.g. Vanguard, etc...If you get hacked…
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LISA help
Hi can someone help me please. We are currently saving and looking to buy a home in October/November 2021. I have opened my LISA in September this year so I will qualify to get the £1k benefit in April and be able to withdraw without a penalty in October as it has been a year. My husbands LISA however was initially refused…
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Flexible Isa options
Hi, I am in the fortunate position of having a stocks and shares Isa with Hargreaves at c. 90k. I still have 16k eligible to invest into an Isa this tax year. I am buying a house so would like to move the Isa to a flexible cash Isa product with instant access. This will help with providing a cash buffer for any major works…
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LISA - does bonus need to be declared as taxable interest on tax return or for tax credits purposes?
I got a 25% bonus of around £1k on my LISA (lifetime ISA) a year or so ago, and as my HMRC tax return for self assessment is approaching, I am confused as to if I need to declare it on there. I'm pretty sure I don't. It also affects my tax credits if it's taxable interest, so need to check for this purpose if it needs…
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Deposit saving help please!
Hi everyone, I’d love some help. I’d like to save for a deposit for my first house. I’ll be doing this on my own but I’ll be saving around £1000 a month. I know I can do this as I’m currently living with parents and I’ve been able to pay off £5000 worth of credit card debt by paying £1000 off a month. What is the best way…
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Gift allowances - a complicated one
My mother-in-law left my son £5000 in her will. He transferred it to an account in my name so that he wouldn't touch it, to save towards a house deposit. Husband has now given him £6000 from his inheritance from his mother's estate (£3k from me, £3k from him to maximise the amount we can give him this year) Of course, I…
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Expat Investment / Independent Financial Advisor - Recommendations
I am an UK expat living in the Middle East. I am looking for any recommendations for good reputable and fair Independent Financial Advisors who would be able to provide investment recommendations and management of potential portfolio. I have another 15-20years before retirement so looking for long term growth. Appreciate…
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Euro account in the UK
https://moneyfacts.co.uk/banking/offshore-bank-accounts/euro-bank-accounts/ Looking at the list above seems that few banks offer a Euro account. I would like to diversify my cash, that`s why willing to have a Euro account. any advice/experience with the banks here in the UK, seems that no interest paid at all. or do I have…
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5 year Nephew £1k best options for S&S ISA for long term Growth .,
Looking to invest £1k for long term growth for my 5 year old
nephew . Will be using a S&S
Isa setup by his dad and looking for a buy and forget approach and due
to the timescale should be able to handle some volatility . Was thinking of SMT and baillie gifford global discovery split
50/50 . Would this be sensible or should…
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UK based funds - brexit and onwards
I have have 10K in HL UK Growth funds since June 2019. I initially regretted this purchase as it dipped below my initial purchase cost and hovered around there for a long time. I told myself that as soon as it got a little above what I paid for it I would sell. Particularly as I have invested now around £40K in HL Global…
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UK Accessible Alternative to US Index Fund
HiThere is a Vanguard US fund called ESGV. As far as I can see it is not accessible to UK investors. Can anyone tell me if there is a fund available to UK investors whichemploys the same ESG screening criteria, and invests in the same range of US companies. NB This is not a recommendation. And I have no investments in the…
