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Setting up a bare trust for a minor
I was wanting to set up bare trusts for our two children as somewhere to put money gifted by anyone other than us parents so they can make use of their CGT allowance each year. We max out their JISAs each year so there's no room in those for any more money and I don't want to leave it in cash, especially with the current…
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Ethical Funds with Vanguard
Hello, can anyone help me please? I am looking at adding ethical funds to my portfolio with Vanguard- I am confused with the difference between ESG developed all world fund and the SRI European/global fund?
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Buy to let business
OH is looking at options to set up a buy to let business with the intention being that after the mortgage is paid the property / property's will generate his retirement income. If he creates a limited company and only uses the rental income to pay for mortgage and property fees / expenses how is the income taxes (ie he has…
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Plum or Halifax
Hi there MSE group. Newbie here. I am just about to inherit £180k from the passing of my dad. I save using Plum, I find it has been the only way I’ve managed to save. My question is will £180k be safe in Plum or should I keep it in my normal Halifax current account please. Any investment ideas welcome too. Thanks
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Crypto Interest accounts
Obviously this thread isn't for anyone who still thinks Crypto is a ponzi scheme.. I have about 3% of my portfolio in Bitcoin and Ether. Most of it in cold storage. But I was interested in putting a bit of my existing crypto in a wallet that earns interest. These seem to be becoming more popular. Blockfi, Celsius and…
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How much emergency cash fund to keep?
Hello all! I would appreciate your thoughts on how much emergency cash fund one should keep. I have a secure job, private health insurance, no debts. I live in a rented apartment which I have been in for many years. How many months' expenses should I keep as cash to cover rent, bills, food? Anything else to consider?…
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Investing in shares
Hi I was wandering if is possible to give your friend money to invest and if he makes a profit from it how he could transfer me it back? Can he just gifted to me and do I have to pay some taxes?
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NSANDI Again!
Trying to change my preferences by going to their website. I put in my holders number and it says I am already registered but can't remember ever doing that. SO, I go to logon andit tells me the holders number is of the wrong form (mine has an alpha character on the end (nnnnnnnX). So totally stuck. Any ideas what I do…
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UK accounts when moving abroad (what am I allowed and not allowed to do?)
I moved to Bahrain near the end of last year for work. Please can I check what I'm allowed and not allowed to do from the following list:1) keep my UK bank accounts open (Halifax and NatWest) 2) continue transferring money between one UK account to another UK account (Halifax -> NatWest & vice versa)3) use my UK…
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Quilter Financial Advisers - presumably not IFAs?
Just that really - are Quilter Financial Advisers IFAs? I guess not but I have found reference to them having 'network IFAs'. Also, any experience/thoughts on them? I'm getting St James Place vibes off their website. Thanks
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Al Rayan fixed 1 year rate change
Hello. I could have sworn at the end of last week I saw on the best savings page Al Rayan bank's 12 month fixed rate was 0.85% (Sharia), however when I look this morning it is 0.65%. I may just be having a 'senior moment' or is it the case that advertised rates may change very quickly w/out warning, and the MSE page is…
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How To Choose A Stock?
i just started buying Us stocks on Kuvera. i want to invest for long term, so any suggestion on how to choose stock. For now, i mostly pick tech companies like Shopify, Spotify etc, as i believe in those companies as a tech guy.
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post office savings prize draw
i am somewhat confused by the t&c for the new post office prize draw: https://www.postoffice.co.uk/savings-accounts/savings-prize-draw does this mean that an eligible (non-isa) savings account has to be branch-based, or would an online account qualify as well?
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When to sell? Before or after dividend?
I'm planning to sell all my LS100. There's an annual dividend (April I believe) If I sell before then will I forfeit the whole dividend? Or would I receive a % based on the time invested? Probably more a question to ask Vanguard but just thought I'd ask her in case it's common knowledge.
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Selling and re-dealing SIPP's / LISA?
If I want to sell my SIPPS or LISA portfolio and reinvest am I liable for draw down fees / fortfeiting my LISA bonus? I don't want to withdraw either as cash!!! I just want to re-invest it in different funds.
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Does the tax treaty between the US and UK mean you only pay tax once living in the UK?
I am a UK resident with a paper trading account with interactive brokers: https://www.interactivebrokers.co.uk/. I am usually a passive investor who invests for the long term in my pensions and stocks and shares ISA. However, I may use Interactive Brokers to buy shares with the disposable income I have left after investing…
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10k savings, what to do?
Hello. I was wondering if I could get any pointers on saving vs investing please? I have 10k saved, not for anything in particular, just because I felt like to should start something, and it is sat in my current account. I intend to keep on saving, and know how much I can put aside on a regular basis. So is this the best…
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What to do with £7k
I have about 7 or 8 grand that I don’t need to use for the next 4 or 5 years, after that I want to use it for home renovations. Until that time I obviously want to invest it and get as much return as possible without little risk to losing it. Could someone advise me as to what they think I should do? Thanks guys
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Baillie Gifford Long Term Global?
Anyone have any thoughts on this over Vanguard (VWRL or LS100)The on going charge is higher at 0.65% Vs 0.23%Thinking of selling off my SIPPS, LISA and a large chunk of my SISA.Performance seems a LOT stronger.Anyone?
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Regular deposits vs infrequent lumps with a cheap provider?
I've done a bit of reading on investing, trying to educate myself over time. A common theme runs throughout - invest cheaply. Obviously this wont apply to everyone but it's the approach I've taken. My Lifetime ISA is with AJ Bell. I did this due to the low fees. My original Lifetime ISA was with Hargreaves Lansdown which I…
