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Vanguard order completed but not showing?
Thought I'd check on here before contacting Vanguard. Placed my first investment order last week for my S&S ISA, relatively small in monetary terms just to familiarise myself with the process. Since placing the order, I had a 'you have pending orders' message on my portal overview screen. The order has been completed…
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Shares beginner - help!
Hi, I’ve been thinking about putting some money into shares for ages and wanted some advice please. I’m not looking to wheel and deal, just want to put money into a fund that doesn’t need anything doing. I don’t mind if it’s FTSE, NASDAQ, whole world or any other option. What’s the cheapest way to get set up with the…
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Investor blog - accountant
Hello I am hoping someone can help... I read the MSE newsletter yesterday and clicked through to a post about a young accountant and his investment blog, trouble is I can't find it now and it's not in my history. Was a great read and keen to find it. Thanks Chris
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Child Trust Fund - my child now lives abroad
Hi, My child turned 18 and now lives abroad (Sweden). When she turned 18 she was given an option to either have her CTF transferred to her UK bank account or receive a cheque. She did not have a UK bank account and was informed the CTF could NOT be transferred to her Swedish bank account so a cheque was posted to her in…
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Saving for my grandchild
Hi there, I am a young GLAMMA, at least in my had 😆 I have a little grandson who is 11 months old. I want to save for him but I am all confused after reading so many things. I saved £600 so far, the money is sitting in my safe and earning nothing at the moment. I can save between £50 to £100 max per month. I don't want his…
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Company Stocks Force Sold on Maturity?
I worked for a company between 2008 and 2013 and took part in a matched contribution stock ownership programme. I wasn't really wise with money back then and it was all in German (literally, I worked in Germany), so I never really understood the details. Just it was a good deal according to my colleagues so I signed up. I…
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Excess Reportable Income
Is there is an element to this for income dividend paying ETFs (Ireland based) , as opposed to accumulating ones outside a tax wrapper? I have to do a self assessment for the first time and can't find a clear explanation.
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How to validate a certificated share?
Hi Guys, I have a friend who has discovered during a spring clean around 3,000 shares for HBOS Plc (Halifax & Bank of Scotland). From what I know HBOS Plc was taken over by Lloyd's TSB whom were taken over by Lloyds bank eventually. Because both HBOS Plc and Lloyds TSB do not exists anymore, where would be the best place…
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Sell a flat and invest the proceeds
Hi, I have a flat worth £250k that I bought 24 years ago for £51k to live in. After 4 years I inherited a two bed flat so moved there and let the one bed. After letting it pretty solidly for 20 years I'm wondering about selling up and investing through a fund manager. Rental potential is £1100 per month tops. Wealth…
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CASH ISA - Yorkshire building society
Just would like to share with you a Cash ISA deal - the Loyalty Six Access Saver ISA from Yorkshire building society. You could get 0.5% + interest. A good cash ISA choice if you do not want a fixed term. You need to be a client of Yorkshire building society before Jan 2020.
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Guidance on Investment Strategy
Some advice / guidance if at all possible 27 Year Old – Male- Living with Parents Want to mention here that I am in a
fortunate position that I have gifted to me a deposit for a house from my
grandparents when the time comes so I don’t really need to save a deposit for
it. Banking & Savings - 3K in a monthly saver due to…
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Investing for future - thoughts?
Hi I’m a 40 yr old teacher, uk, and have just set up a vanguard s+s ISA and a vanguard SIPP. My thinking is this - although the teacher pension is good, it’s significantly reduced if you retire early. I would like the option to retire early. The SIPP (retirement fund 70/30) is to tide me over a 10 yr period until state…
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Surely there's a time to call it a day?
I will preface the following by saying I obviously do not know the personal circumstances of those involved. Maybe they have a financial requirement to keep investing. Was watching a tv prog a week or so ago about people getting scammed by bogus investment opportunities featured on social media, cold calling or junk mail.…
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Advice - New Company set up to avoid buying out an investor
I'm not really sure where to go with this one so i'll try and keep it brief initially. My knowledge on companies, shares and ownership is limited, so forgive any incorrect terms. My Late Grandmother was a investor and director of an engineering company (XXX Engineering) back in the 1970's and retained a 30% share of the…
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I have been taxed on SIP shares.
Hello, I have been taxed on my SIP shares that I took out with the company that I work for. I have tried contacting HR, and the company that deals with shares. However, my companies HR team are shut at the moment, and the contact number for the share company is: 'unrecognised.' I have checked the HMRC website, and they say…
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Tax returns & Bitcoin
Does anyone know, or have any experience of whether you need to put Bitcoin losses/gains on a self assessment tax return? This tax year (20/21) I've sold £8385, and then bought £2605. I'm guessing that previous years won't be on the tax return.
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QWERTYUIOP
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Chip account
Find this the most user unfriendly bank and support I've ever come across. Ask a question and get an answer to a question I didn't ask. Can anyone tell me how to close my account? And while I'm here I get told to go to tab,options for example, but I don't see tabs on my app. Asked to sign in I put in my VPN number and when…
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Am I on the right site?
I want to open a S&S ISA with AJ Bell, but how do I know for sure I'm on the genuine site? I've listened to too many scare stories about cloned websites! It's youinvest.co.uk, secure padlock at the start, company number shows it's been registered for 20 years. Is that enough "proof" or should I be checking other things?
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Standing order from savings account
Hi, I have a tax free pension lump sum that I want to use up over 10 years - does anyone know is there are savings accounts that allow standing orders - or any other way of doing it ? Thanks
