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S & P 500 investment in wive's name
Hello All, Husband - higher tax bracket Wife - basic rate tax bracket We have a little savings which we want to put in an investment, I am thinking of S&P 500 index via Vanguard. I was wondering if it is more tax efficient to open an investment account in wive's name or a joint account. Not concerned about other risks like…
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Pensioners Tax on Investment Income
I am in the position this year, for the first time in a long while, where my investments to boost my pension have yielded a return much greater than the £1000 allowance. Following my retirement in 2012 I continued to forward a Self Assessment each year. I cancelled my Self Assessment status in 2002 after 10 years of paying…
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Where do I find info on ETFs that have monthly or quarterly distributions?
I currently have a Vanguard ISA, over £32k in value, and now I have stopped FT work am looking for regular income. My thought are to transfer it to HL, to reduce costs, as the plan is to buy low cost distributing ETFs that pay out at least quarterly, preferably monthly, to supplement the other income I have. Thinking about…
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HSBC: "cash-related payment" fee charged when paid for broker subscription
The original topic is here, didn't want to post the same thing twice as it's related both to investment and banking.
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Buy-sell spreads on different platforms
I am curious to know if buy/sell spreads usually vary between different investment platforms. Is this even allowed? As examples the prices on two platforms for 3 ETFs showing now - presumably relating to Xmas eve close - were SPDR MSCI WORLD UCITS ETF (SWLD) Iweb Buy: 3,169.5 p/ Sell: 3,103 p (2.1%) AJBell Buy: 3,170.5 /…
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Should I sell my Lloyds Shares?
I am in my eighties and have some health problems so I am organising my finances for the inevitable. I have 360 Lloyds shares that I got when Halifax went public that are now worth less than £200. Should I sell them now or let my estate deal with them?
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Options on One Family ISA after my sons 18
My son turned 18 in November, he hasnt done anything with his money as yet. I wondering whether he should invest some in their stocks and shares ISA or if theres a better option? He will probably draw some to a short term savings account and invest around £3k in a long term one, any suggestions please as its something I…
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Taking delivery of certificates on ETF shares
Is this possible? And if so who do I makes the request from, my share broker, or the stock exchange or who trades the stock. And finally how do you go about it Thanks
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Mindset over finances - am I the only one
Hi A bit of background I’m 36 yrs old, single own a small home worth £120k - mortgage of £65k savings/investments of £55k I always feel like I don’t have enough money, and have a bit of a ‘fear’ of not having enough to live on in retirement, even though it’s a long way off i stick to budgets and feel as though I’m ruled by…
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Income Tax across Pension income and Dividends
Maybe this is a dumb question, but I am going to ask anyway. If I have taxable income across two streams - pension income and dividends as follows - Pension Income of £14,000 Dividends of £2,000. The total taxable income is £16,000 so tax is obviously due. If the tax free allowance is £12,570 - tax is due on the remaining…
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Estimating / Calculating Dividends on Acc. units and ITs
Hi, I am trying to calculate the notional dividend income as accurately as possible on some accumulation funds and investment trusts. This is to try and work out my tax position as accurately as possible for this 2024/2025 tax year. I totally appreciate that dividends are reinvested on acc units, but there is still income…
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Just can't get the staff these days
So in the past couple of weeks, I have received 3 emails from institutions regarding rate reductions that contain incorrect dates. HTB, Paragon and Monument. The first 2 referenced the year as 2024 for changes to take effect in Jan and Monument stated the date of the email rather than a future date for the change.I…
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Trading 212
I have an account with Trading 212 and hold shares in an ISA. I received an email form them offering daily interest on shares and was wondering if anyone here has any experience with that, good or bad.
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VCT Total Return website?
Hi All Does anyone know a goos website that shows the Total Return from VCT’s? I am struggling to get the answer I’m expecting from Morningstar or ft.com (when comparing to my actual return in the past) thanks TT
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Faster payment posted vs transaction date for interest purposes
Hi, I have a savings account. On the statement it shows deposits into the account. For each deposit it shows 1) Date 2) Description. Some deposits are like this : --------------------------------------------- Date : 20/12/2024 Description : Faster payment --------------------------------------------- Some deposits are like…
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YBS App
Anyone having issues with the YBS app today?, was logged in fine earlier then went for another login and it's come up like I've never used the app, now asking for username/customer number etc
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Reclaiming Capital Sum from an Annuity with Rothesay
On behalf of my father. He has an Annuity from Rothesay which pays out just over £200/year which he took out for his wife in the early 90s. He is keen to get back the capital sum to help pay for care home fees for his wife. However, he's now discovered it's 'non-communicable' and that's what he would have signed up to.…
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Building Society Demutualisation Carpet Bagging
Opened lots of building society accounts in the late 90s, in case they demutualised and gave windfall shares or payments to their members. Many years have now passed and I still have accounts with Nationwide, Hinckley and Rugby, Newbury and Yorkshire, each with a couple of hundred pound in. Before I close all these…
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Banks/Building Societies NOT reporting to HMRC by the end of June
Neither me
or my wife had received a P800 for the last FY. I phoned
HMRC yesterday to ask them if they were sending out the forms because last year
we’d received them in October and I knew full well that we’d owe them money and
I’d rather pay them the money than have my occupational pensions reduced each
month. Last…
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Principality building society payee details.
Hello. Can somebody tell me if l still use Business when creating a standing order with PBS? I know you use your name instead of PBS now.
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Most recent: Question re moving maturing ISA funds and adding additional amount by badger09
2 August at 11:22PM
