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33% domestic stocks bias
What are experienced investors thoughts on “The optimal weights remain near one-third domestic stocks and two-thirds international stocks regardless of age—with no material fixed income allocation” https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4590406 EDIT: would one use FTSE350 for uk domestic stocks?
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16 year old's inheritance monies
I'm hoping someone can offer some advice. My 16 year old has been left monies (approx 30k) from my late mother's inheritance. As they are a minor I have opened a Children's Trust Saver account with Skipton for them. Do I have to register this account with HMRC or would it be excluded? Could I deposit 9k of the monies into…
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Are dividend vouchers showing withholding tax available on Interactive Investor
Hi, I have investment accounts with both Hargreaves Lansdown and A J Bell and I'm considering opening one with Interactive Investor. For such a large company HL are VERY poor at providing Dividend Vouchers, which I require as they show the withholding tax on US dividends. It is necessary to send them a secure message…
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Trust Fund Help
Hi, My Son just turned 18 and My Mum had a trust fund set up. My Son went to the bank to transfer the money to His account, The bank wouldn't do it unless my Mum is their, Problem is she is 80 years old and can hardly walk, So how do I get round this? I also have two younger kids 10yo and 12yo and they also have trust…
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Moved: 2026 - 52 Week Envelope Challenge
This discussion has been moved.
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Is the London Bullion Market going to implode
Just been reading about investing in silver , surprised that there’s a 300 million oz shortage of physical silver. Al these paper notes issued are not worth anything, as there’s nowt in the vaults. The bullion banks and the boe, are pushing for digital I’d, and digital money. To cover up this price fixing scam.
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Big time cheesed off!
I opened an easy access account with MONUMENT Bank, and today found out for MYSELF through this the App is down! I was about to complain to them , thinking I’d been scammed AGAIN! Already had to change from one bank to another. Fraud team don’t answer either! I cannot login and they’ve got my phone no. WRONG too! How can I…
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Where to put end of employment payment settlement
Hi, I have just ended my employment with my now former company, and included in this was an agreed final settlement figure of £13,000. I have a few Cash ISA accounts, but I do not believe I have reached the threshold of inputting £20,000 into these for this year. I have Trading 212, Plum & Moneybox LISA, with the Plum app…
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Principality BS problem opening account
I tried to open the 7% Principality savings account which runs for 6 months, online a few months ago. It took me 3 or 4 attempts filling in there forms to open the account. I dont know if it was there system or because of my bad internet connection. Eventually I got an email telling me I had opened it with an account num.…
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Co-Op Bank Monthly Bond Interest.
I have a few bonds and the monthly interest is always paid on the anniversary of account opening each month and the Co-Op one is the same , however it never gets paid on the day . The fist one was 2 days after the anniversary and this month nothing yet. Supposed be the 23rd , nothing on the 24th and obviously now being…
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Are Boost payments taxable
As this title says are boost payments taxable. The reason I ask is I have a couple of savings accounts which have these and have just noticed that on the prosper app it is saying the following for the Santander 3 month fixed account: The boost payment is not treated as interest by HMRC and is instead treated like a…
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Trading212 low cost Ftse Tracker
Looking for a world tracker on Trading212 I have a HSBC FTSE All World Index Class C - Accumulation (GBP) on Iweb but the £5 fees are can mount up over the year. , Can anyone recommend a similar low cost fund which I can purchase on trading212 which I can purchase within m S&S isa .. Thanks
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RBS General Investment Account
Currently have £3600 invested (£50 per month dd) with approx value of £4500. Change in value of roughly £800 Inc fees etc. I know I pay CGT when I sell the investment but am I liable for income tax on the £800 for this FY? I am in higher tax bracket. Thanks
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Selling certificated shares
I've got a shareholding I want to sell (worth about £7.5K), and I have paper certificates. The registrar's fees (Link Asset Services) are, natch, rapacious. I used to have a Jarvis X-O account, so I now have a ii account costing me nothing to run (until January?). Is it worth looking for somewhere else to do this trade, or…
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Login problems with Cahoot
I have a Simple Saver account with Cahoot for a few months. Last week, I attempted to login to the account and it would not accept the password that I entered, the one that I normally use. Have always had problems logged in too as was always returned back to the login page every time I clicked on a link. After a few more…
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Investment of £40,000
Hi. We're looking at investing £40,000. Were both retired (60), living off our personal pensions and rental income from a property we own. We're looking to invest £40,000 over 4 years into a medium risk investment. Any advice would be greatly appreciated.
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Move my cash ISA into a s&s one
The lastest drop in interest rateshas meant my cash isa rate has dropped from 4.1 to 3.8%. Is moving it all into my moneybox s&s isa a sensible thing to do? I currently have £82k sitting in a cash ISA and 6k in a Moneybox s&s. I realise thats ridiculous and 2026 is the year for me to redress the balance, make my money work…
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Portfolio advice
Hi Just wanted to get some advice on my self managed portfolio which i have always kept quite simple. With the recent volatility and over priced USA stocks it has made me think about the allocation and if holding such a large amount in Ftse All share/S+P tracker is diversified enough. I have about 10-15k to put into…
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Need Help On Selling Canadian shares
I am a lifelong UK resident & a shareholder in
Great-West Lifeco having acquired my shares when they took over the UK life
assurance business of Canada Life (whose shares I had post-demutualisation). The shares are in certificated form and are listed on the Toronto stock exchange (TSX). I wish to sell my shares but I can…
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Withdrawal rules on notice accounts
I have a 95 day notice account that I planned to empty, so I calculated the interest into the future and scheduled the withdrawals but didn't factor in rate cuts so the final withdrawal will be short. if I make a deposit prior to the final withdrawal, will it allow the withdraw or does the deposit need to remain in their…
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