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Investqhub
Good afternoon, I’ve been trading on Investqhub for a few weeks specifically on Forex and have made money, not a lot though. The account manager would like me to move onto commodities but this will mean a greater investment. I currently have $313 in the account, I withdrew $50 profit recently but would really need about…
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Yorkshire Building Society: Signature Update Form
Hi there, does anyone have a YBS Signature Update Form as a pdf-file in good quality?
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Reporting to HMRC Money Purchasing allowance
Hi all I need to report a threshold breach of Money Purchasing Allowance to HMRC soon, however I'm having trouble how to do this their call wait is quite long and the online advice seems to imply they wouldn't handle it anyway so I cannot see where online to do it, does anyone have any advice how to do it please? TIA
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Average Share Price - Dealing Costs / Monthly subs!
Hey everyone, I've been digging into the weeds of the average share price on Interactive Investor to see if it includes equalisation payments - I don't believe it does - and come across a bit of an oddity regarding trading costs. If you have a monthly sub with them then you get X 'free trades' from your trading credit,…
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Savings Banks for the Medium Term
Hi, I wasn't sure how to word the subject of this post. What I'm looking for is any thoughts about which savings banks, currently offering decent rates, are the sort of outfits likely to remain near the top over the medium term of say two or three years. Primarily interested in easy access, to fill the void left by…
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Expat account - transfer across direct debits etc
Wondering if any expat bank option will transfer in all my current standing orders, direct debits etc. Am being forced to close my citi account and want a user friendly switch. thanks
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What's your best paying bank savings rate at the moment, excluding reg savers?
Not much going on other than reductions... so I thought maybe we could do something (and nothing) just for interest ...as we ain't getting much from banks lol. So, just for entertainment and a laugh at how bad the rates are, not a competition: What is the best rate of interest that you're currently earning from a bank or…
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Inheritance Tax Planning?
I'm not sure if I have put this query on the correct board? but please put on correct board if in error. I have not carried out my I.H.T. planning and so I need urgently to get this progressing. I've done some basic calculations and I believe that due to my circumstances I will need professional help. Thus can any member…
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Cash isa maturity poser
I'm wondering what to do when my cash isa matures in 10 days. Its a 1 yr fix and i could have put it in my vls60 last year when the price was lower. My vls60 is currently +6.1%. I'm retired living off cash and have enough. I could just keep in cash or maybe cda £1k per month back into the vls60. On the other hand i could…
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ISA limits
I've accidentally put my full ISA limit (£20K) into my cash ISA, instead of splitting it between my lifetime ISA (£4K) and cash ISA (£16K). These are with moneybox. It is not letting me transfer inbetween them - is this correct - am I not able to correct the transactions. I mistakenly thought that the £4k lifetime ISA…
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Eram Capital Advisors / Beaufort Securities Possible Scam?
Hello I got contacted by soemone who claimed to work for Eram Capital (128 City Rd, London, EC1V 2NX) who said I had over £30,000 in an unclaimed monies account following the collapse of Beaufort Securities. I just need to send them over £7k to get access to it. Sounds like a huge scam I know. But Eram Capital are a real…
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Cynergy deposits
I've opened Cynergy Easy Access and paid in £1 yesterday morning, but it is still not showing. I remember that withdrawals arrive on the same day, but can't remember about deposits and I can't find this info on their website. Can anyone advise how long deposits take to arrive to Cynergy?
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Cynergy Bank and the bank verification process
I am in the process of opening a 1 year savings account with Cynergy Bank, thanks to tips on this site. However my bank (First Direct) doesn't recognise the details I enter when I try to make a transfer. I'm told this is because Cynergy have not signed up for the bank verification process. This naturally makes me anxious,…
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Vanguard LS fund for income
Hello, I was wondering if any of the Vanguard LS ETF funds are any good for income. How do people deal with this type of fund in terms of drawing an income? Do they do so on a drawdown basis? Thanks
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Kids savings accounts
Hi, I've got a few thousand £ for each of my children that I'd like to put in a bank account that can earn them some interest. I've ruled out Junior cash ISA's as I'd like the money to be accessible if they want to buy something. I was trying to read up on the tax implications and was a bit confused by the following that I…
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Mortgage or Pension
Hi MSE friends, I was hoping to get your considered advice, thoughts, comments, great MSEness on my situation. Do I continue to pay into my pension or start to pay off more of the mortgage. You all helped me so much back in 2021 with my Mum's inheritence, thank you. I put £60k into my pension over last 3 yrs. I'm now…
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Euro Disney SCA Shares
I have found my Euro Disney SCA shares certificate (5,000 shares) dated November 1995 and I have no idea whether they're worth anything as I know the company was sold years ago! I don't know where to start. Has anyone got experience of this?
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Understanding Capital Gains Tax
My stocks and shares have gone up a bit this year and I am trying to understand how CGT works. If I have £50k invested and it goes up by 10% I finish year 1 with £55k. If I leave it invested and it goes up by another 10% in year 2 my total gain would be £10.5k, which would attract CGT when I sell. However, can I avoid CGT…
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Feedback fund portfolio
So, am interested To see opinions please, as what would you scrap, keep or replace I would like to keep my funds close possible to ethical or good esg score Any suggestions or feedback will help, really wanna try reduce number funds Aegon ethical cautious managed Baillie Gifford American Barings global agriculture Bny…
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SIPP
finally got my SIPP open and have 15k to invest this tax year im 49, and just looking at which global fund to invest in. Ive read about the poor outlook for growth and so I considered 80% stocks but the 60% equity fund seems like a good balance for me but can anyone reccomend anything else before i commit the cash. Ill add…