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Lifetime ISA + £460k shared ownership using NPV method – anyone successfully done this?
Hi all, I’m a first-time buyer trying to use a Lifetime ISA for a shared ownership purchase and getting completely different answers from providers, so I’m hoping someone here has real-world experience. My situation: * New-build shared ownership house in Cambridgeshire * Full open-market value: £460,000 * I’m buying a 25%…
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Investment help?
Disclaimer - I am seeing a IFA in the next two weeks but want to crack on to make the most of this years tax breaks. Just sanity checking I’m on the right lines. Husband has just died. After everything (mortgage etc) paid off I will have approx £400k left. I am 54 with a dependent 18 year old (will be dependent for a long…
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Buy and Sell
Is it possible in theory to buy and sell a stock every day? There are stocks that are volatile and go up and down daily. Would it be possible to buy the stock at a low, then sell it when it goes up by for example 2%. Then sell it for the 2% gain and buy it once it goes down and repeat? That way you could make a 2% gain on…
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Scottish Widows Investing ?
Total newbie to investing here … I have a Scottish Widows Pension and noticed you can also have an investment account with them. I fancy having a go ! Maybe start with 500 quid to see how it goes with perhaps a coupe of K to ultimately play with. If it goes well maybe invest a bit more. They appear to have packages already…
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Moved: Do i have any hope in retirement discussion
This discussion has been moved.
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Natwest & RBS regular savers - any other similar?
I have a Natwest regular saver which I've spent over 3 years building to the £5000 limit. I take the interest monthly to keep it at the £5000 and getting the 5.5% on that. I'm halfway through the same with the RBS equivalent. Does anyone know of any similar accounts with other banks? Most regular savers mature after 12…
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Is an IFA really worth it?
Hi All ! Yes I know that this is an old question - I have been reading a lot - but unfortunately haven't been able to make a decision, yet! Take this scenario * No debts at all * Not working * 59yo * Cash savings * A couple of pensions - both DC I have been asking IFAs what they would charge for simple high level advice,…
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Chip Savings Deposit Warning!
Good morning everyone, I count myself as tech-savvy but have to admit that this went over my head a little bit with Chip. I have a Chip account and have used this for a few years now - no issues. Loads of deposits and withdrawals - all pretty instantaneous. Obviously read about their new instant access saver at 3.15% on…
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BGEO/Lion Finance
I have invested into Bank of Georgia/Lion Finance - ticker BGEO. It has done extremely well of late, but information on the stock seems hard to come by. Anyone know where to look.....
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Investing basics
Can someone explain the benefit of the population investing for a country? If I understand correctly someone buying stock on Trade212 does not give the company any money. It does not somehow help a company grow more since any of the money people "invest" does not go to them. There are a lot of companies with a stock price…
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Active ETF's?
I have encountered some articles online recently about Active ETFs (eg https://www.hl.co.uk/news/active-etfs-surpass-passive-for-the-first-time-what-are-they-and-whats-driving-this-shift ).What are the advantages of these to the ordinary investor?They appear to be more expensive than passive ETFs, although they trade in…
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Tax code change due to interest on my savings
How does a tax code K171X which is £1,710 needs to be added to your pay or pension so the extra tax can be collected work? I knew that from tax year 24/25 and 25/26 I would go over the £1000 tax free threshold. Would this underpayment be from both those tax years put together? As although I went over by £47 on my two bond…
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Non Resident Shares Sale - Broker
I have some Aviva shares, registered at Sharecenter and want to sell them, but I'm not UK resident hence Sharecenter wont act for me. I have had no luck trying to identify a broker for this, does anyone know of a broker that will transact on behalf of non-residents?
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When savings - including ISAs - hit £85,000....
I feel sure this is a stupid question, but presumably if and when my ISA hits £85k, I should open an ISA account with a different bank to avoid falling foul of what is protected... Right? And therefore any interest going into an £85k ISA needs to be transferred out for safekeeping.... Right? It just occured to me that if…
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Where would you Invest £550,000 inheritance for at least 6 years until entitlement
A simple question cause much deliberation. Onshore or Offshore?
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Are "Negotiated Orders" safe
I'm trying to buy some gilts (£10k of TG31 on Iweb), and even the relatively small number of a gilts produces the comment below.. (same for TN28) Am I exposing myself to risk, commiting to buy without any price limit or guarranty Negotiated Order Your order can not be completed automatically Your order cannot be completed…
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CGT. Self assessment advice if the profit is within the allowance
Hi i'm looking for some advice if possible please. I've recently sold some shares and my profit was around £1350. I know there is an allowance of £3000 for 2025/2026. Should i submit a self assessment anyway because when the sale money was paid into my bank, the profit and the purchase amount went in together in one lump…
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S&P without FX fees?
I have been buying S&P 500 stocks on Trade212 but I noticed recently that when I buy company stocks I pay an FX fee since they are American but when I buy S&P 500 stocks which are also American I do not pay any FX fees and the share price is shown in GBP. The stock is even listed on the LSE which does not make sense to me.…
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Reallocating profit in a S&S ISA
using loose example here to understand principle This financial year I have put 12 K in a cash ISA I have put 6K in a stocks and SHARES isa,scattered around a selection of tracking funds and a Money fund to hold in prior to investing. I invest into these most financial years within the same S&S isa provider However, I wish…
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Raisin £100 bonus for opening easy access account in July
Raisin had an offer in the summer for a £100 bonus if you quoted a WELCOME100 code. Think you had to keep the money in for six months? Got the account in July. Anybody received this yet?
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