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Is this Vanguard equity/bonds split a sensible option for first-time investor?
Hello, I’ve never invested before & am starting 'my Vanguard journey' as it were. I’ve done a lot of research but am still a little lost in some areas. I’ve detailed below my money overview & would appreciate some second opinions/sanity check on what I’m doing, as it’s a considerable amount of money I am starting with. I’m…
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Finances review with the aim of leaving nothing behind!
Good afternoon, I am a 60 year old male, single with no dependants. I am a practical person and realise I probably have 20 good years left. I plan to retire in 5 years time and enjoy my hard earned retirement by travelling and spending time in different countries. I can't decide whether to sell my house to help fund my…
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Mobile investment platforms
I was wondering with the likes of Freetrade or eToro, when you buy shares are they actually real shares, considering they can be fractional?
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Platforms for limited companies
Does anyone have any recommendations for platforms to invest limited company profits?
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Premium bonds for emergency fund?
I have my emergency fund of a few months of income sat in a normal savings account at present. It's earning next to nothing in interest but it's safe and I can get to it at short notice. Kind of the two main requirements of an emergency fund. But I'm thinking of moving most of it to premium bonds. I understand that premium…
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2021/2022 S&S ISA Choice
Morning all - happy Easter! I've been mulling over this weekend, what to do with next tax years ISA allowance, and I think my answer right now, is not to use it just yet. Here is why: 85% of what I hold is Mutual Funds: * Vanguard LifeStrategy 100% Equity Fund A Acc - 0.22% OCF * HSBC FTSE All-World Index Fund Accumulation…
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Putting inherited shares into new name(s)
After my FIL's estate is settled, we will be left with some shares that he owned. We plan on keeping them & splitting them between us. At present, they are held by Redmayne Bentley, but would think that we would hold them ourselves going forward. How do we go about getting them put into our names? Do RB do that (at a cost)…
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Asda share saver scheme
Hi the wife is in Asda share saver scheme. Shares in Walmart. Because Walmart has changed ownership the scheme is coming to an end and she must decide what to do. Exercise sharesave options now and keep walmart shares Exercise your share shave options now and subsequently sell walmart shares. Cancel and withdraw now. Exit…
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H&L LISA
I opened a LISA with them when I was 30 and haven't put any more in for a few years, I have just tried to top it up and its asking me to apply for a new LISA....is this the process all the time for every new tax year, open a new account? There is £5000 in with Fundsmith Equity.
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Annual allowance limit uncertainty
So I have finally bitten the bullet and opened a Vanguard SIPP and invested a preliminary 10k in their global all cap index fund. I am in the higher tax band by about 21k this year, so am considering investing more. My queries are: a) If I want to fully reduce my higher rate tax when I fill self assessment, would I need to…
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US Pink Sheet Shares
I hold shares in a US company called Solarwindow who were re-classified (by the SEC) to trade on the Over The Counter (OTC) market, as ‘Pinks’. I believe this is a bit like moving from the Footsie 250 to AIM with different accounting standards? As a result, Hargreaves Lansdown say they are unable to deal Pinks so I can’t…
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Has any one with personal experience with Vanguard
Investing in Vanguard S&N 500 for ISA is an option I am pondering witt It is protected by FSCS for the first £85000.Has any body got personal exposure with this company?
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Is it ok to park funds in cash ISA, then transfer into S&S ISA from 6th April?
Hello I have a large sum I wish to place into S&S ISA but undecided yet which S&S ISA to go for. So as to make use of this current year allowance, can I move money into an old cash ISA I still have active and then transfer funds in new tax year into new S&S ISA? Thank you
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Can anyone cite this flexible ISA rule?
On this page (https://www.moneysavingexpert.com/savings/flexible-isas/) it says "Remember, flexibility works on three types of ISAs: cash ISAs, innovative finance ISAs and cash held in a stocks and shares ISA. If you withdraw current year's cash from one type, you are allowed to replace it in another type, eg, withdraw…
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Chip - guaranteed £25
I signed up to chip through the mse website. Deposited £10k .How do i know i will get the £25 bonus? Does something tell me?
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Premium Bond Blocks?
New to PB's. Notice on forum people talking of winning in various blocks. Is it better to buy in different blocks or just one larger one?
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Bad financial advice
I asked a while ago about claiming for poor action by a financial company/adviser. I was advised it would be "time barred" as it was more than six years after the occurrence. I later heard a radio advert for Goodwin Barratt saying they could help you claim for lost money due to poor financial advice. I telephoned a…
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How to calculate AER
Can anyone tell me how to calculate the AER from a total return and period invested? For example lets say an investment has returned 50% over 5 years, what is the AER.
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Vanguard
Complete novice here hoping for some advice. With interest rates at rock bottom I am going to put some savings into Vanguard and was thinking about splitting it between LS80 and one other fund. Any suggestions/advice on which other one I could choose that would offer a bit of diversity from the LS80? Or is that pointless…
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CGT and selling or transferring of shares and self assessment tax return
If you have some shares in a GIA to transfer into an ISA or sell and the gain is less than allowance and you don’t usually complete a self assessment tax return would you need to set one up in this case? Thanks
