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New to investment - need some advice on buy-to-let
My husband and I are both over 40 with two young children. We moved to the UK 10 years ago with very little saving. We managed to buy our first house at Outer London before my first child was born with my family's support. We've remortgaged after the first 5 years fixed rate and since have been overpaying a little bit…
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Advice on first S & S ISA opened with Vanguard
I've opened my first S&S ISA with vanguard at the end of the last tax year and have a few questions. I invested the full allowance into the following funds roughly as follows: 70% - life strategy 100% 15% - FTSE all world high dividen yield 15% - S&P 500 I didn't have any specifically strong reasons for this split, it was…
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Baillie Gifford Manged Fund - Corporate Action Charge appearing in the account
Please can someone explain what is this Corporate Action charge appearing in my HL account. I have listed transactions in my HL account for Baillie Gifford Manged Fund account Date Type Unit Cost (Pence Qty Cost( £) 31/03/2021 Corporate action 0.00 0.00 -4.36 12/02/2021 Bought 1678.00 59.60 1000.00 09/02/2021 Bought…
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How to Trade
Hi again. I am mortgage free and hope to retire within 9 years. As long as my kids do not sponge off me, my very modest pension should be enough to keep me going. I've always been careful with my pennies. I have around 10k to invest; it's just sitting in the bank doing nothing. I understand that it's safer to purchase…
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A shocking Hello thread!
Hi Everyone, Been lurking and learning for around a year now and have learned massively on the subject of investments and planning towards retirement. Not to say my knowledge is now massive, but I feel vaguely confident to now participate and hopefully contribute to discussions! Brief history; male 44, wife 45, 1 dog, no…
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How to pick a fidelity fund?
I have put the 20k in but there's about 3000 different funds in there...
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Child Trust Funds
For the first time since they were awarded, I've looked at the CTFs for my two children (aged 16 and 14). Both were put into Foresters when the original £250 was awarded from the Government. I was surprised to see that the difference in current value between the two is significant, with one being worth £938 (the 16yr old)…
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Any other Stockopedia users here?
Been a subscriber for a year now. For me it's paid for itself about 30 times over with gains from SLP Anyone looked at James O'Shaughnessy's Tiny Titan's screen lately? It's up 162% in 5 years for UK stocks, helped significantly past 12 months by post covid crash performance at +82%. Similar results to Jim Slater's Zulu…
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Transferring from Vanguard General Pot to ISA
Hello, I wondered if anyone knows how to transfer money from a Vanguard General Pot to an ISA? Is there a straightforward way to do this without having to 'sell' and withdraw to my bank account first? I've tried to 'Switch' but it seems this means switch to a different fund as opposed to a different account within…
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Does this split makes good investment
Vanguard 40% in S&P 500 ETF VUSA30% in FTSE 250 ETF VMID 30% in FTSE100 ETF VUKE All are marked risk category 6 Age 40 Time to invest 26 yearsI understand we don't have a crystal ball..
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ISA Transfer has gone wrong
I completed an ISA Transfer request form via Skipton to instruct Halifax to transfer the balance from my Help to Buy ISA into my Lifetime ISA with Skipton. This is still in progress however I was surprised to see my HTB ISA had been closed. When I just asked Halifax on their chat why they did this, I only asked for a…
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Stock & Share ISA management fees and maximizing investment
Could an individual pay the ISA platform fees seperately each year or the management fee has to come from maximum allowed ie: £20000
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What's your equity split?
I'm 30 years away from retirement so I have 6 figures invested in Pensions and ISAs which are 'adventurous' and roughly 80-100% equity. The split across all funds is roughly: 50% North America 25% APAC 15% EU 10% UK What are you doing, and why?
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Old adage of splitting my estate, savings and investments 3 ways?
Growing up, I seem to remember hearing a lot about splitting savings and investments 3 ways: 33% cash or near cash savings 33% investments such as equity, bonds or commercial property through investment funds 33% property. Was I just imaging this or was there truth to this? Has it changed since the last few years savings…
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Transferring an investment account after probate.
Hi, I’m dealing with my Dads estate as executor. Probate all sent off but I’m wondering best steps with Dads investment account. I’m wondering if I could transfer/take over Dads account (stock & shares ISA) I want to consider the options before I speak to the company once I get probate. Dad carefully invested since he…
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Deposit USD to ii
I'm hoping to deposit USD directly to my interactive investor account (their fx loading is 1.5% which is quite expensive). I'm just wondering what's the best bank account to do that? I tried making my transfer via transferwise but ii rejected it. They said the money had to originate from an account in my name. I have a…
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Platform to minimise costs
I've reached the £85K level with both ii and iweb across pensions/ISAs. Now need another account, ideally flat rate. The Monevator table, most of the flat rates seem to be variants of iweb, with the exception of HSBC (no funds) and Sharedeal Active (no funds). Are there any that I am missing? This new one will probably get…
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Should I move money into a LISA for my son?
I currently have money in a Stocks and Shares ISA in my name but intend that some of it should go to my son as a deposit for a house when he is ready to buy (probably in a few years time). My question is, should I put the money into a LISA for him or leave it in my ISA? Thanks
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Am I applicable for First Time Buyer Bonus on Lifetime ISA?
I have never purchased a home or land etc, but when I was 15, my mother bought a house and my name is on the deed, does this count as me purchasing this house and therefore rendering me unable to claim the 25% bonus upon buying my first house? Any help would be appreciated
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Pensions
Is it better to put more money into my pension or get a life insurance policy?
