Savings & investments

Archives for May 2021

Aldermore Bank
It seems to have some of the best interest rates for savers at the moment but I have never heard of it. Where can I find out how legitimate it is compared to a high street bank?
Sending Crest transfer forms and shares certificates. Registered delivery? Recorded delivery? Etc...
A quick Google suggests there could be hair-raising charges for replacing lost shares certificates. Any advice, wisdom, suggestions for sending them securely?
Transferring Shares
My mum sadly passed away and in her Will she gave me some shares. I've managed to transfer the shares into my name and received the certificates today. I would like to transfer some of the shares to a member of my family. Do I have keep the shares for a certain period or can I transfer them now? Thanks in advance.
Pensioner investment
Early 70s here with £150 k to invest. At my age it would be for income. I have low/ middle risk. Really have no idea other than peer to peer. Any points please?
Process for moving trading accounts between brokers - Help!!
Hi All, I am trying to move my small trading account from one broker (interactive investor) to another (Fineco Bank) - I have officially notified both parties of my wish to do this and submitted a Securities Transfer Form to both of them. However, nothing has happened, and when I chase both parties up, they each say they…
Money After Selling Property?
Hi all, I'm looking for some advice where I should put the money from my property I am selling. I understand this is a loaded question so I'll briefly explain what my medium-term plan is. My flat is nearly sold, will hopefully complete in the next few weeks. I am then looking to buy elsewhere but not immediately. Where or…
Help! Share transfer from Sweden
My Swedish mother passed away and has bequeathed shares in four companies three of which are traded on the Nordic and Stockholm Stock Exchange, One is on the NYSE. I need to transfer the shares in my mother’s name into an ‘Estate Of’ Account that I will hold with a UK broker and then change the name on the shares. If I…
Inheritence Of Spanish Shares
My sister and I will shortly be inheriting a shares portfolio left by my late Spanish mother but which are currently held by her bank in Spain. My sister is a Spanish resident but I have been told I will also need to open an account with the bank in Spain to receive my shares even though I am a UK resident. If thIs is the…
Aviva shares
In 1999 I invested £3000 in what was then called PEP buying Norwich Union shares. These were turned into Aviva shares in 2006 I believe and the investment became managed by Barclays Stockbrokers Ltd as an ISA. The dividend is used to buy more shares. So I now have double the original shares, but the investment is still…
PCF 1 year fix
Be careful if you are going to apply to PCF for it's 1 year fixed rate saver as advertised in the best buys. It is showing as 0.9%, but when you actually go to apply it is only 0.75%. PCF Bank0.9%At maturity£1,000/ £250,000Online£85,000
AMC shares - hedgefunds forced to buy them?
I appreciate I'm very late to this party, buy does anyone have the facts about AMC and whether it's a good idea to buy some? The back story (apparently) is that hedge funds are forced to buy them at some stage and therefore the price will keep inflating? It's all the rage with the youngsters on twitter and Reddit!
Next tax efficient investment
I am wondering where to invest next after contributing the maximum to my pension within annual allowance and to ISA allowance. Is there any other tax-free investments out there ? Or maybe some investment that might be tax efficient to some degree in the long run ? Maybe one that gives returns within capital gain allowance…
Vanguard Security - How secured?
When opening the account, I was shocked to find Vanguard doesn't have any sophisticated or even medium complex security measurements in place. Any usual bank accounts would require at least a complex password combination. Some require digital code or two steps verification. But Vanguard has none of those. Even the password…
‘One free trade per month’ question
Hi, I’m in the middle of transferring a couple of cash ISAs from different providers into a Stocks and Shares ISA via Interactive Investor, in order to invest in a selection of the Vanguard Lifestrategy funds. I’ve just done this with my first newly arrived cash ISA transfer- 2 more are expected within the next week or so.…
Investment
I am looking to retire next year and would like to know where best to invest £200k? I have thought about buying an apartment but is there anything else that would get me a better return? I am looking to buy an apartment near the sea in Cornwall to hopefully rent it out for 10 months of the year and for us to use it…
What would you do in my position?
Current situation: - House is worth approx £290k. - Mortgage of £70k, which is 0.75% above BoE for life. - I pay interest-only on the mortgage, not repay. Mortgage is about £48 per month. - Investments: £75k in VLS100. £2k in Bitcoin. - No debts other than the mortgage. - Work pension scheme in place. If interest rates go…
A Broker who provides ‘Estate of’ Account.
My Swedish mother passed away and has bequeathed shares in four companies three of which are traded on the Nordic and Stockholm Stock Exchange, One is on the NYSE. I need to transfer the shares in my mother’s name into an ‘Estate Of’ Account that I will hold with a UK broker and then change the name on the shares. If I…
Child Trust Fund ?
Hi , my middle child has circa £18k in a Foresters Child Trust Fund. He turns 18 March 21 , then off to Uni a few months later. I'd like to be able to give him some guidance on the the best approach to this money , it'll be his decision, but he wont have a clue and will need my advice. Any pointers or ideas on how he can…
Buying the dips
I frequently hear that an investment strategy for buying shares or cryptocurrency is to “buy the dips”. How does this actually work? I can see that if you have some money to invest, then you might hold on until the price of your targeted investment falls in price, then you fill your boots. But that is just buying in one…
AJ Bell Fund Charges
I have a SIPP with AJ Bell Youinvest and have recently gone into drawdown. I plan to invest in the AJ Bell Funds. When purchasing, AJ Bell offers this option: "You can choose to include our dealing and other charges in the total cost of your investment or exclude them an pay them on top of the amount invested" When…

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