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Accessing Junior ISA for Adult with severe learning disabilities - Court of Protection?
My 16 year old son has severe learning disabilities from birth and no ability to make decisions. He has around £7k in a child ISA and I am wondering what the best thing is to do for him when he turns 18. He will be dependent for life but we are hoping to buy a property with an annex for him so he has a little independence…
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Help me understand the timing of fund sales
Using interactive investor, I put in a sale request of VLS 80 at 2:44 pm on the 16th - last Friday. I know I had missed the cut-off for the Friday evening NAV, but I totally expected to get the Monday evening NAV. The sale just completed today and it has used Tuesday evening NAV although showing the date and time of the…
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Santander Easy Access Saver (Issue 1) Limited Edition up to 4.05%
At long last ...
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Passive investing advice needed - but not with HL!
I'm looking to invest roughly £100 pm in index funds for the long term. I have an ISA with some shares (AIM) with HL, but I don't want to invest in funds with them, as I'm sure I can find better elsewhere (especially after today's email). Just interested in who others use to invest? I haven't decided which funds I'm going…
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Move money from easy access ISA to Marcus 1 year fix at 4.55%?
I'm retired and most of my savings are in ISAs with not so good and likely to fall interest rates. I've always thought the ISA money is there till I need it but at this point does it make sense to lose it's tax free status and move some to make more in the Marcus? I do pay tax on my state pension because I didn't take it…
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SIPP or not
Dear Forum Friends, I wanted to pick your amazing brains. 1. Hitting 47 soon, if I open a SIPP when can I access the money 2. Which SIPP provider will you recommend? 3. If I pay sum I earn above £50k into a SIPP, will this mean I only bay 20% tax and in 10years access the amount saved, circa about 10k pa? 4. Is the age 55…
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Hargreaves Lansdown charts not working?
Hi, Is it just me? I've used both Chrome and Edge but a lot of the charts won't display, this has been happening for a few months now, I don't know if it's something my end or HL have changed something their end. Anyone else have this problem or is it just me? See example below:
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Investment Platforms Capital Gins/ERI Reports for General Investment Account
I currently have GIA with both HL & Interactive Investor neither supply or track CGT or ERI so I am looking to switch these trading account portfolios to either AJ BELL,FIDELITY OR CHARLES STANLEY , obviously price is relevant but also quality of their reports making easy for tax returns etc ? Also has anyone used an…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Short-term money market fund versus ETF
Looking to park around 200,000 for opportunistic trading, maybe 3 to 5 trades per month. If the platform fees are equal, do you think the slight leakage of an ETF in the bid/ask is less cost than the days out of the market using a fund. is it possible to model this using data over the last 12 months of say CSH2 vs Royal…
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Advice on financial advice!
Hi all So I am 42, with a mortgage, live alone, no kids, a secure job which has a good pension (relatively speaking), earning above average wage. But I am not in the higher tax bracket, I do not have a posh car or a huge amount of outgoings. I am increasing my mortgage so I could improve my home (kitchen and bathroom).. I…
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Trying to track down investments with Royal Life Fund Management Limited on behalf of my mother
Hi All, I am trying to help my mother track down investments that she has lost track of. These accounts will have been dormant for many, many years. It looks like she had holdings in: · Royal Life International Speculative Trust · Royal Life Cautionary Trust · Royal Life Growth Trust Companies House has Royal Life Fund…
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Hargreaves Lansdown New Fee Structure
Just had a "Our charges are changing" email from Hargreaves Lansdown. Changes kick in 1st March. Positives are: Management fee is dropping from 0.45% to 0.35% Trading Fees dropping from £11.95 to £6.95 Negatives: New charge of £1.95 to trade funds - was zero Cap on fees for shares up from £45 to £150. I'm going £105 worse…
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Tax Rate - Savings Query
Good afternoon I have a question really in relation to savings, which I’m a little bit confused about. with my income without taking into consideration any savings income I am below the 50K threshold so obviously 20% tax rate. a couple of years ago I gain some money ( death in service ) and decided just to put that in a…
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Hargreaves introduction of charges looking for an alternative place for F&C investment trust
I have my F&C investment trust shares with Hargreaves "Fund and Shares" account pays no fees. From March I will be paying about £12.50/month.(£150.00/annum) I am a passive investor and have not bought shares for few years. Scottish Windows says no platform fees for holding shares. 1. Can I transfer my F&C from Hargreaves…
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Managed/Model Portfolio ISA/Pensions?
Looking at SIPP providers and I notice several platforms (II, Vanguard) offer a regular SIPP and a "managed" SIPP. The composition of the managed SIPP looks very similar to their "off the shelf" fund ranges so I'm not entirely sure how the "managed" option is really that different to just opening a SIPP and buying the "off…
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BSSI inaccuracies
Earlier in Jan I filed my tax return with my interest figures, I also requested a copy of the BSSI they have for me My interest figures show I am just below the threshold for paying tax on it. But HMRCs figures are much higher due to old accounts, long since closed. Do I need to go back to HMRC and give them details of…
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Vanguard cuts LifeStrategy fees and reduces UK bias
Announcement from Citywire:* Vanguard is cutting fees across its £52bn LifeStrategy funds and reducing the range’s bias to UK assets. * The passive investment giant will reduce fees on the multi-asset funds from 0.22% to 0.2% on 27 January. The funds’ allocation to both UK equities and bonds will meanwhile be cut between…
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Looking for an investment
I'm looking for something with a track record & good future potential to grow or yield around 5-6% annually over 5-10 years , monthly volatility is fine , low risk but some risk of underperforming but not more than 1% below BoE interest rates and very resilient to a tech sector crash, with reasonable good resilience to an…
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Cash house buying or 50% investment / mortgage
A bit of advice please , looking to buy my first property this year at the age of 50 this year. Have enough to buy the house outright if needed ( around 250- 300k ) but not too sure if this is the right approach.. Would it be sensible to use 50% cash for the deposit make up the rest in a mortgage ( around 4% ) and invest…
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