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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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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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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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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are:* Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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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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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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Principality - Move money between accounts - changed procedure
This morning I used the Principality Building Society website and clicked "Account Services - Move money between Principality accounts" as I do at least once a month, and it generated a secure message requesting that I wished to move funds from one Principality account to another, which had to be actioned by a member of…
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Selling foreign shares
My friend is the executor of a will and there are some foreign shares involved. Probate has been granted but the solicitor cannot deal with the foreign shares - when I looked up selling foreign shares it just says you have to do it through a broker - any advice or is it just a case of going online etc
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Personal and savings tax allowance questions
Having just retired I'm in new territory so would appreciate some advice on what are probably pretty basic questions, before I bother my very busy accountant... This coming new tax year, and for the foreseeable future years, I anticipate being able to access savings interest of approx £40k per annum; I also receive full…
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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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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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Where would you put proceeds of a house sale
Topic started at work and been bouncing back and forth all week. If you had £500k from the sale of a property, and wasn’t going to buy another property, how/where would you save it? If you was a non earner medium attitude to risk, I wasn’t sure how you would distribute the money, as even if the sale finalised in March,…
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Stock updates
Is there anything that exists that you can get updates on a particular stock sent to you? By this i mean, any news articles or impt info relating to a stock. I own a stock that I want to watch and keep up to date on any developments
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Hanley Building Society
Hi all, Can't see this posted anywhere else on here. In the local paper to Stoke on Trent today, its reported Hanley Economic is facing potential organisational changes and jobs could go. No need to panic as savings protected. Quote: JOBS could go as one of Stokeon- Trent’s oldest financial institutions is facing…
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Joint Instant Access Savings
I require a joint instant access savings account that is managed via an app, preferably without an annual bonus. It is important that a withdrawal appears in the linked bank account almost immediately. Any suggestions?
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Self assessment
Deadline for submitting 2024-2025 is 31-01-26 is that correct? If submitted mid January when would you have to pay any tax due? Can you be asked to make upfront payments for 25-26?
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Saga Savings problem
Hi, My mother had an account with Saga Savings which she couldn't access for the last three years of her life as she had Alzheimers and they won't accept our power of attorney. She passed away three months ago and they still won't release the funds to us. Every time we talk to them there's another excuse and another delay.…
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Lifestrategy
Vanguard is launching a new Global Lifestrategy series with normal global weightings. They are also reducing the equity home bias in the existing Lifestrategy range from 25 to 20% and bonds from 35 to 20%. There is also a small charges reduction. Do they think last years jump has shot its bolt, or the large UK part has…
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Ramin's 60/40 conundrum...
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
