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VLS80 vs 100 & 60
Why does the 80% equities option do so well & outperform both the sixty & hundred, I find it hard to find information about what stocks it invest in. What are some other funds with similar performance to this over the last 12 months, three years and five years
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Royal Mint - Unable to Login
Just wondering if anybody else is having problems logging in to the Royal Mint website today? The login/account icon (for want of a better word) has disappeared from my home screen and if I navigate to the login page directly from google it tells me that my account was not found. Also I've tried this from two different…
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Partial Isa transfer from Charter to trading 212
Is it possible to transfer a partial amount from my Charter bank isa into a trading 212 account ? The funds which in the Charter account are from the previous years allowance. I was told it had to be the full amount but not too sure if this correct .. Thanks
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Capital gains tax when changing tax residence
I have a question regarding stock market and share taxin the event of a change in tax residency.Around 2002, as a Polish resident, I purchased shares in a Polish company, which I still own today and on which I have made a large loss.I have been a UK tax resident since 2004.Can I offset this loss from the time I was a…
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Green investment - funds vs solar system
Just curious about your opinion. I can see around huge interest in people buying solar panels and batteries while at the same time lack of interest in renewable energy investment trusts. Using basic info from MSE articles, let's pick up a typical solar system with battery that costs £7000 and generates £700 a year of…
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Derivatives and other complexities in Man GLG Dynamic Income
It took me a few years to get a basic understanding of bonds
– stuff about duration only really sunk in after interest rates rose in 2022 (though
by luck not judgement I mostly held short duration). The only actively managed
bond fund I hold is Man GLG Sterling Corporate Bond which has performed well since
its launch in…
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Skandia MultiISA search
I just came across some old documents where I invested some money into a Maxi MultISA with Skanida MultiFUNDS back in 2004. I have little recollection on this and wondered what was the best way to locate the investment. A lot of these financial companies have passed these onto other institutions. I do not think I had an…
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Money Market Funds ?
I am considering switching about £50K held within an ISA account with iweb in VL60 to a money market fund , possibly Vanguard Short-Term Money Market Fund -Accumulation. 1. Would the procedure to keep the ISA status be to simply sell the VL60 and buy once Iweb has credited the cash to my ISA account or would I need to do…
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First Direct Regular Saver - stay open if switch away?
Hi! I have a First Direct Regular saver that will mature in January, currently just under £3k in it. I've not switched current accounts for ages so looking at switching to Club Lloyds, but do I need to wait until the regular saver matures? If I switch before would it close the savings account or am I still eligible on the…
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Monmouth Building Society is so slow
Like millions of others I applied via my computer for their new regular saver a/c yesterday. Today they told me it would be faster if I downloaded their app and applied that way. I've been stuck on a page saying they're "currently processing your application" for 6 minutes now and presume it will be a long long time before…
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Advice on holding Funds in a GIA (ETF vs OEIC, and Accumulation vs Income)
Hello folks, I would greatly appreciate any advice that some of you might be kind enough to share. I recently inherited £100,000 from a relative who very sadly passed away. I have maxed out both my ISA and SIPP contributions for this year, but I want to get this money working for me in a Fund right away. Over the coming…
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Capital Bonds regular withdrawals and 'cashing in' ..
Having a Bond for 17 years and wanting to withdraw all the original investment by year 20 having not withdrawn anything for the first few years..but ReAssure says there's a cap of 7.5% on regular withdrawals so need to ask for a 'special' 'one off' withdrawal to take anything above 7'5% ? I don't understand this..
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Why would anyone invest in VWRP over SPDR MSCI ACWI UCITS ETF
I am deciding in which global etf to invest in. VWRP has a 0.22% and also charges a transaction cost while SPDR MSCI ACWI UCITS ETF charges 0.12% OCR. Is this something that is too good to be true? Am I better off going into a more trusted and household name in vanguard. Why does SPDR MSCI ACWI UCITS ETF cost more?
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Covered call options
I came across Schroder Income Maximiser OEIC while planning a retirement income portfolio. It uses covered call options, which the KIID describes by "To seek to enhance the yield, the investment manager selectively sells short dated call options over individual securities, portfolios of securities or indices held by the…
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Merged: Moneda Capital
This discussion has been merged.
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Ulster Bank: Account refusal?
I'm trying to move my savings from Chase's boosted account. I've just received the following message from Ulster Bank which is strange because the sign-up verification seemed successful and I received my customer number.'Before we
can activate an account, we need to do a quick identity check. Unfortunately,
we didn’t get…
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Offshore bond inherited from father - questions about tax, gifting etc.
Hi, My dad died earlier this year and left his estate to me and my sister 50/50. We're both executors and have probate. His estate was below the IHT threshold (with spousal exemption with my mum who died a few years ago) and consists of his house which is about to be sold, some savings and a cash ISA. All quite…
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Shares in 90s Privatised Public Utilities etc
Going through my father’s paperwork after his recent passing and I’ve discovered a number of share certificates for the public services privatised by the Conservative government in the 1990s. There are certificates for BT, East Midlands, Scottish Power, Scottish Hydro and Eurotunnel among others. How do I discover if these…
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Reporting/Paying CGT on line
I recently went on line to use the HMRC online CGT
reporting/paying website I’m doing it for the wife who has 2 disposals to
report. We are not obliged to fill in an annual tax return. One disposal shouldn’t be a problem Unit trust bought on one
day disposed on another day. The second disposal is part of a s.104 holding of…
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CAMBRIDGE EXTRA REWARD MATURITY - Extra interest ?
y account matured today , new one opened as directed today and balance sent to my current account which probably won't arrive until tomorrow. However I notice my new RS had an extra 20p put in which I think must be extra interest earned for a day on the electronic payment sent today until I receive the balance tomorrow.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
