-
Some Vanguard ISA fund questions
Hi, I recently purchased some funds in a Vanguard S&S ISA a few nights ago, I have a few questions to help me understand better: 1 - I purchased all the funds the same night, a mix of ETF and index funds, I noticed the ETF was completed the next day, some of the index funds completed the day after but one still pending. I…
-
Crypto trading bot
Just wondering what people's experiences of them here are? I'm more interested in the off-the-shelf type rather than the elder-geek DIY type coded ones. I'm primarily an investor, but I have made some very healthy trades netting £1000+ although these gains are now bedded down in investments. With a decent bot it would be…
-
Investment account for new born baby - No access until 21/25 (preferably 25)
Hi all, I'm hoping to find an investment account I can open for my soon to be born son. I am aware he needs to be born in order for me to do this, he will arrive any day. I would like to invest £5,000 plus a regular monthly amount, but I do not want him to access it until he is 25. I have found a couple of investment…
-
Has an era come to an end?
Two of the main volatility indices (EURO STOXX 50 Volatility and VIX) are at 12 month lows. They have both fallen to levels that have not been seen since pre-covid days. It looks like a lot of the furloughed workers who had filled their days playing the markets are now back at work and have other things to occupy…
-
crest shares transfers
Hi I'm sorting through my paper shares and gradually getting them transferred to X-O so that they're easier to sell. I have some Standard Life paper shares that are due to pay a dividend fairly soon. If I do a crest transfer now, to my X-O account, will the dividend still find its way to my bank account or do I have to…
-
Pros/Cons of GBP-hedged equities for pension
Hi I'm reviewing the limited number of funds available through my workplace Scottish Widows pension. There's nothing available that is a market cap-weighted global tracker. The closest is the SW SSGA International Equities Index…
-
MSE News: Warning issued by regulator over 'clone firm' using fake MSE email addresses
The financial regulator has warned consumers to beware of fraudulent emails from scammers pretending to be MoneySavingExpert.com or our founder Martin Lewis, after identifying a copycat firm falsely using our name. Read the full story: 'Warning issued by regulator over 'clone firm' using fake MoneySavingExpert and Martin…
-
Help to Buy ISA - trapped with current provider?
The interest rate on my Help to Buy ISA has fallen. I'd like to transfer to another provider. However, the provider I phoned (Santander) says they won't accept transfers unless I have a Help to Buy ISA already open with them. I presume all providers will say the same. Does that mean I'm now stuck with my current provider?…
-
Trying to wrap my head around old paper share certificates (what to keep) for an elderly relative.
Please can someone offer some advice. I have an elderly relative who inherited lots of different holdings about 25 years ago. Some holdings have dividends paid in cheque while some are dividend reinvestments. This relative has literally putting everything into a box for years. It's all there, just jumbled up in a box the…
-
Selling of Shares, help needed
Hi i have been using a broker to build up a portfolio of shares until it was a good time to cash in, i accumulated a good profit on the shares so decided it was the right time to sell and instructed the broker to do so, i initially purchased the sharesthe shares using US dollars as it was a US company, once sold i was then…
-
Help to buy isa
I don't do online banking and all I get when I have put money in is a receipt saying how much I have put it but no total amount in the isa! I was expecting to get an April summary saying the year's progress and yet nothing has come! Is it normal to be expected to keep putting money into an account that let's face it could…
-
Virgin Money - spotted fraud & refuse to act.
Hello, This is a bit of an odd problem. I opened a current account in Yorkshire Bank, Birkenhead, Wirral, in 1992/3 and had to take wage slips, passport, driving licence etc to prove who I was and where I lived. That was all accepted and one day the Post man knocked and said, "I think this might be yours". It was a letter…
-
Self Assessment
Just filled in my self assessment for 20/21, and wonder of wonders, the tax owed agrees with my spreadsheet. However since this is the first time I've done SA, I did not realise they added on another 50% on account for this 21/22 tax year to be paid by the 31 Jan 22, and then they want the other extra 50% on account to be…
-
Chip & FSCS
In the small print CHIP+1 claim to be supported by FCA (True they are registered) but then claim to be supported by FSCS compensation scheme. CHIP claim money held in E-wallet is covered by Prepaid Financial Services Ltd for whom they are an agent. For investment product business CHIP is a representative of P1 Investment…
-
KID
Evening. Please can someone tell me what charge is being referred to in the following quote. I know KID means Key information Document "Premium to net assets: 2.0% as of 22 Mar 2021; Costs: 1.0% OCF, 1.04% KID "
-
Advice on where to put money for savings
Hello,I’ve been very fortunate to have made some money from working at a small business which was acquired. I live at home with parents and have no debt, and my monthly expenses are fairly minimal. I’m trying to decide what to do with the money I have made. My initial thoughts are to put 20% away into some form of medium…
-
trading212
Hello. Is it safe to deposit into £50,000 into a trading 212 invest account or will they not withdraw? How trustworthy are they - I've been using them for 12 months not had any withdraw issues for amounts around £20k but will they do everything they can in their terms not to allow 50k withdraw ones.it goes in? please can…
-
Any other Stakers?
Just bought a some DOT and started Staking it on Kraken. Interest rate (RPY) of about 12%. That's phenomenal compared to what you could expect to receive in an ordinary savings (or even in a regular fund) Yes this some risk but with the Crypto bull market continuing it seems mad not to. And to those worried about risk, a…
-
I wish to open a Joint savings account with son with more than one source of depositing funds
I am trying to set up a joint savings account but all the ones I have looked at need a single linked a/c for payments and withdrawls. I know withdrawls are commonly linked to a single current account and that is not a problem however as an a/c we will both pay into and possibly from more than one source each this is far…
-
No Access to II interactive Investor accounts
I have Trading, ISA and SIPP accounts with II. And now I cannot login at all and have received no feedback via any communication channel for over 1 week. I have no idea if the accounts are hacked, stolen or deleted. Repeated calls to II have received no resolution. At the moment I am screwed with no access to any of my…
