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Should I move my 9 year old daughters Cash JISA
I have been debating moving my daughter’s Cash junior isa to a stocks and shares ISA. She will be 10 in April and I don’t know if I have left it too long to see any real return. I want to maximise her return any advise would be welcomed.
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Savings advice for 18 year olds
Please help my mind is boggled. what would you suggest is best for someone who’s just turned 18 so far they’ve got 5k in premium bonds but not having much luck so looking to move it somewhere?
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?what to do with lump sum
Hi. Looking for advice. Wage- £42k a year Mortgage-£64k left 2.5apr till next year. House worth about £230k I’m single (dating someone not looking to move for a year or so) 35, recieved some inheritance, 120k. I don’t know what to do with it. I’ll be buying a car outright and getting of my lease car. So that’s 100k left.…
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How do I work out CGT loss following the sale of shares
Bank in 2002 and 2004 I bought shares via an employee share save scheme at 'x' pounds per month in both cases over a three year period, so I know how much I originally paid for them. In truth I forgot about these shares for a while and thought thankfully I had sold all my Nat West shares before the value plummeted. Over…
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Old TSB shares
Has anyone had any success locating old TSB shares. For months now I have tried TSB bank. Lloyds Bank. Equiniti, the Registrar,and even the Funancial Ombudsman -no luck with any attempts to trace?
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2 yr fixed bond. Best rate for £85k investment
Hi all, I’m a newbie here. Looking to re-invest £85k (my current bank is Lloyds and the rate is dreadful) Money is sat in a savings account doing nothing and looking for the best rate possible and obviously the safest! Thanks in advance.
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Profits/return on VWRP via Trading 212
If you maxxed out your annual SIPP, ISA, Premium Bonds, Got rainy day fund and you just open a personal account on Trading212 and buy some shares in VWRP, do I have to report these on my annual self asseseement and pay tax on my annual return, or is it all done at source via my account on Trading212? thanks
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I know they say don’t try to time the market but…..
is now possibly a really bad time to start investing and do a lump sum investment? All I keep hearing are how overvalued US stocks are and a correction is coming. It’s making me really nervous about doing a lump sum at a really bad time. My time horizon is about 10 years and I am planning to go mainly all in on a global…
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Best short/medium term home for £200k as higher rate taxpayer
I’m in the lucky position to turn 55 in a few weeks and be able to take my pension and start to enjoy the fruits of a long corporate career. Given I’ve taken an enjoyable p/t role then with that + £30k pa pension I’ll be on the cusp of higher rate tax before any interest payments. I’ve a £200k TFLS due that I’d like to put…
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Fixed rate savings vs gilts
Good evening . I am a retired person and my situation is that I have £85000 saved in a fixed rate bond and a similar amount in a cash ISA (also fixed rate). My wife also mirrors those savings with her own. I also have 50k invested in premium bonds which since I acquired them in April have produced rather disappointing…
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Lost shares
My late Father held some shares and I have the old paper certificates. The shares are held and registered in the US. The number of shares quoted by Shareowner Services US don't tally with the number on the certificates - there have been multiple mergers etc. in the years since he bought the shares and I wonder if anyone…
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Natwest Digital Regular Saver matured - keep or open new?
Hi all, I've a Natwest Digital Regular saver that's been open for 12.5 months, not sure if it can continue to be earning the (currently) 5.5% interest rate, or if it closes/ downgrades to another form of account? Can I open another one? I just asked cora, and got nowhere so I called natwest and was very patient, however…
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Share ISA
I recently bought some shares from a works scheme. Am I right in thinking that if I open a share ISA and transfer the shares into it within 30 days of purchase, that they will be capital gains tax exempt up to a limit of £20,000? If this is correct, is there a minimum amount of time they have to be in the account before I…
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Missing CHAPS payment from Santander to NS&I
Hi all. I had a personal fixed term bond with Santander and requested that the funds be sent to NS&I Direct Saver account. It was to be a CHAPS transfer. The bond matured on 1st August. NS&I say that the funds were not received. Santander say that the funds were sent. I asked santander the account details and they matched…
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Is Coventry Login broken?
Can't get in this morning
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Is a SIPP a pension or savings?
A friend has a SIPP; he is 72 and lives alone in a Housing Association flat; he was receiving Housing Benefit from his local council but they have now decided his SIPP is savings and withdrawn his Housing Benefit and want him to repay £10k in past HB received! He can’t afford his rent and has now gotten into arrears and is…
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Tax free savings for a new child
In other countries parents are able to save money tax free for a new baby so it is a good idea financially to open those when a new baby is born. Is there anything like this in the UK? Any accounts you can save money in tax free for a new-born?
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How much can you withdraw out of Coventry 4 Access into linked account
I would like to be able to empty the account at some point but is there a limit on each withdrawal? If so it might be problematic to get it all out within the number of withdrawals allowed. I don't really want to close it. Thanks
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Old shares from years ago in Ceva Inc
Hello all. I'm grateful for any advice. I have an old letter from a UK brokerage (Pershing in Liverpool) saying that I have some shares in Ceva Inc Com and I'm wondering if these have any value to them. I've ended up with these shares as a company I did have shares in was taken over by Ceva. Pershing don't seem to be…
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Georgeson: Lost share certificate and historic dividends
I recently received a letter from a company called Georgeson, informing me that I had unclaimed assets from many years ago in the form of ~£1000 in shares and about the same in historic dividends. They are offering to reunite me with both, but at the cost of 14.4% of each. This seems a lot, and so I am wondering whether…
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