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Monthly charges v annual charges
Matioli Woods have a deposit charge and then monthly charge for investing with them. Is this usual practice? I thought most investment companies made an annual charge.
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Tax on investments
I am currently a uk non resident , and I do not earn anything in the uk . I have a uk bank account which pays my voluntary national insurance and a few other minor out goings . I have recently inherited a sum of money and would like to invest and receive the interest in monthly payments , how much tax would have to be paid…
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Tax on interest income
Hello. I want to ask here as it's full of knowledgeable people and having checked HMRC website and internet in general, I couldn't find the answer. I know that interest income tax free allowance is £500 for higher tax rate payers. However, is that being established on the gross income of an individual or rather their…
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Want to sell certificated shares
Want to sell some certificated shares and seems cheapest way is to avoid the banks and Equiniti. If I send the certificates by post to a broker should I send them registered post? Any recommendations as to who to use much appreciated.
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YBS Savings Accounts
Anyone know/understand why YBS let you get accounts but stop you from depositing until they complete checks? (Even if you already with them?). Like applied for a 5.75% one earlier, shows account details in app. Trying to get my head around why they would give me the account if they need to do checks.
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Small amounts in Regular/Monthy savers
Hello, Is it worth the effort to open a Regular saver account if you are not going for the max limit it allows? I'm not awash with savings but like the concept of these accounts but are they worth applying for?
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Interest On Multi Year Fixed Term Savings Accounts
Hello. This might be a stupid question and I apologise if so. My question is - are there such things as multi year fixed term savings accounts that add interest only on maturity and not in any intervening years? Such accounts would help me spread my savings interest across the years and reduce my tax liability in relation…
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Global Bond Index Fund
Hi, Is anyone invested in the Vanguard Gloabl Bond Index for income purposes? I am struggling to find info on the dividen percentage performance. How has the fund performed for you?
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YBS Website Timeout Issues
Anyone else have problems with YBS (Yorkshire Building Society) website. When opening an ISA logs me out while I'm entering details. Same thing happens if I click on help. Tried over 10 times to enter details, get so far then logs me out! Finally gave up and went elsewhere.
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Do I need to pay tax on savings interest?
Following the recent sale of an inheritance property I have deposited around £70k in a high interest savings account, earning around 5%. My current income is my full state pension plus a small amount I take from my SIPP to take me up to the tax threshold of £12570. The remainder of the inheritance money (£200k) is now…
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Trustnet Portfolio
Hi I find the Trustnet Portfolio a useful tool when it comes to tracking the performance of my s&s ISA and SIPP. My question is is it possible to add individual shares listed in the USA as a holding? I have played around with the add holding feature and searched online but cant seem to find it. For example if you held AAPL…
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Assisting with tax through gov gateway
I have helped my elderly mother register an online tax account and she has requested me to be able to help her with her tax affairs via the online service. I have received an email from HMRC informing me of the request but when I log in to my own account I can’t find any messages or links to actually accept the request.…
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How to find original share prices for CGT
Hi, My dad bought some shares in my name many decades ago. He originally had them as paper certificates, then a couple of different online portals, and now in Fidelity. He has passed them over to me to take control. I want to sell them and get the funds into my ISA (possibly re-buy the same shares again if i think they…
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p2pindependentforum.com
Anyone tried to logon to this site today? I've just tried to access the site and get nothing but the message "You have been banned from this forum."
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Saving and Pension Planning Checkpoint.
Hi all, I am would like to have sufficient savings later in life for retirement, potential options to retire earlier if it was required and be able to help support my kids with first home etc. Below is a quick summary and outline of financial position. Wondered if it was an ok position for my age etc and circumstances etc.…
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CGT Liability on Sale of French Property
My Parents owned a holiday cottage in France for 35-years which was sold last year when my mum died. There was no CGT due in France and in accordance with French inheritance law the proceeds of the sale were spilt 50:50 between my dad and mother’s estate. My mother estate was then split equally between my dad, me and my…
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Onshore investment bonds - rationale...
I posted this on another thread earlier but as the title was just 'investments', I suspect it might get lost in the noise... I'm curious about onshore IBs attractiveness, even with reduced CGT thresholds. Given the 5% annual withdrawal limit to stay free of income tax - unless you're investing a large 6 figure sum (or…
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Locked out of Chip app
I've had to click on the forgotten PIN button, as I got paint on my hands so my fingerprint wouldn't scan, then put in the wrong PIN. How long until they respond? I got an email asking for my email and mobile number. Then nothing, for 3 hours...
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Tax payable on interest from savings
I will have to pay tax on interest from my savings. Should I transfer money from this account into an ISA or use money from an account which does not earn any interest,
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NS&I Index Linked Savings Certificates - Renew or Possible Alternatives?
Have some NS&I Linked savings certificates coming up for renewal next month. I would have renewed but found out you now can't withdraw them until the fixed term ends. I might need to access that money before the new term would end, so this is a concern. Any suggestions what I could do with the money if I choose not to…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.