London | 3. 5. Kevin | You can use all of this for a stocks & shares ISA if you want, or you can split it between stocks & shares and any of the other types of ISA: Cash ISAs, Lifetime ISAs and innovative finance ISAs. It all just seems impossible!! Unfortunately I am completely thrown about where to start. Herefordshire | I have been drip feeding £100 . 11/03/2019 | I was wondering if you could recommend any additional resources (websites, books, online help) for beginners and that are tailored to the UK market. 06/03/2019 | I have enough easy access savings to cover emergencies so I was wondering what would be a next good step, add to S&S ISA or open a SIPP for retirement? 27/11/2018 | I have cash saved in ISAs and savings accounts - probably a 30% deposit on a property - first time buyer. However, I wanted to know if there is any possibility of reducing risk after this time? Surrey | If you fancy investing in a Stocks and Shares ISA, this is the video for you. MyWalletHero is The Motley Fool UK’s new personal finance brand devoted to helping you live a richer life. We’re firm believers in the Golden Rule. 3 best places to open an online joint savings account, Emergency funds: half of Brits had no savings pre-pandemic, Need bicycle insurance? I am a British/Irish citizen living in Malta and have between £5k-£10k to invest for 5 years. 18/10/2020 | Find the best stocks and shares ISA: we reveal the cheapest ISAs that also score highly for customer experience, for ready-made portfolios or a DIY approach Some Junior stocks and shares ISA providers do not offer the stockbroking facilities required to buy shares directly. Malti | I have about £100 monthly extra I want to invest, but I am not sure if my ISAs represent good value. 4. Funmi | Is there any benefit of stretching my investment to use the Vanguard fund? All investments carry a varying degree of risk and it’s important you understand the nature of these risks. Come April 2019 I place another £20,000 and so on until the £100,000 has been utilised. 30/07/2019 | Copyright © 1995 – 2020 The Motley Fool. I've been reading about Beaufort Securities, and how they potentially didn't ring-fence investor money properly. Should I be diversifying and using more than just Wealthify? Baillie Gifford is closing down its Investment Trust ISA and I am being forced to move elsewhere. I am not expecting you to tell me where and when to invest but simply what to read, and I guess I really would like to know how you became an expert, where did you start? More people thought returns were guaranteed for mini-bonds than for Stocks and Shares Isas, crypto assets and Innovate Finance Isas without the risk warning. Important share dealing information London | Birmingham | 02/08/2020 | Halifax’s platform typically gets high marks from customers, and that makes its stocks and shares ISA offering one to consider. We'll never share your details and you can unsubscribe any time. Are there SIPPs which do it for you? I am tempted by the Vanguard LifeStrategy 80 due to the low fees and strong reputation. I have savings in cash but I’ve never tried any ISAs, stocks etc. Which tiers are dentists open in during the UK’s lockdown? 3195646. In January 2021, I will receive a commutation lump sum of about £50,000. 4. I am 52 with money languishing in a low savings account. During the coronavirus market crash, my deposit for a flat is shrinking in my Stocks & Shares Lifetime ISA - what can I do? For every story on this site about a good investment, or something which went up by 10% or made someone £200, we could share a story about a bad investment, something which fell by 10% or lost someone £200. Can I put the money into an Instant Access ISA and drip feed this into a Stocks and Shares ISA? Halifax Stocks & Shares ISA Review; Access 2,000+ funds or trade shares at £12.50 per share or choose from three ready-made investment portfolios This is the standard share dealing account that allows you to invest in stocks, ETFs, and funds. The max we can get from banks is about £220k, meaning somehow saving up a whopping £80k deposit. Philip | Cecily | How do I review my stocks and shares Isa? The recent Metro article which Holly participated in has really inspired me and made me think that investing in shares is something which I would like to do. Any advice would be appreciated! I have an ISA with Investec Click and Invest which is closing down, and I have to find somewhere else to invest the money. I am a beginner investor and would like to invest in a "socially responsible" Stocks & Shares ISA. We have 11 more years of school fees to fund, then hopefully university fees for two after that. Trade tax efficiently in a Halifax Stocks and Shares ISA. The Motley Fool, Fool, and the Fool logo are registered trademarks of The Motley Fool Holdings Inc. But I need to make my money work for me as my pension pot is low. Andy | 0. Staffordshire | Mo | Lincolnshire | Peterborough | John | 0. Smart Money People is the UK's leading financial services review site. Halifax Share Dealing fund supermarket review: find out how Halifax Share Dealing rates for customer satisfaction, how much it charges and what its customers say. 24/07/2018 | Our free weekly blog with Holly's Those who use Halifax Share Dealing typically rate it highly for value for money. 29/04/2019 | My goals are: To invest for 15 years - my risk appetite is very high (i.e. I have no debts or dependants. 08/04/2019 | Boring Money's ex-Head of Data. I am aware that I can place £20,000 for this year. To allow me to go part-time, I will need about £25,000 until March 2020 when I will be retiring. Company No: 3736872. I am looking for some suggestions as to the types of products I should use to begin investing. UK | Greater Manchester | Halifax ISA reviews from our Smart Money People can help you to give you the inside track on what having an ISA with Halifax is really like. 8. There are many different types of ISA schemes available on the market, including, but not limited to, help to buy for first-time buyers ISA's, junior cash ISA's and stocks and shares ISA's. That is doing very well, so I don't really want to sell any of these funds and 'lend myself money' from that. 11/03/2019 | I have an inheritance to invest of £150,000. 12/10/2020 | Joe | County Antrim | 11/06/2019 | As such, there are now a plethora of stocks and shares ISAs available in the UK, each with their own advantages and disadvantages. She would like to invest it and draw income that would be slightly higher than the natural yield - say around £2,000. A stocks and shares Isa is a tax-free account that allows you to put your money in a range of investments. 23/01/2019 | Sussex | As with all financial mis-selling, it is possible for an ISA to be mis-sold, in particular, a stocks and shares ISA. Emma | Any comments or advice welcome. Or is it better saving to cash? I am considering changing these to Vanguard, but I am unsure if transferring across providers is a simple process. We do receive compensation from some partners whose offers appear here. 30/03/2020 | Any advice for two young people trying to get themselves a home? From my retirement I received a lump sum of money and a monthly pension. Wales’ post-Christmas Level 4 lockdown: what you need to know, How to stop spending money: 5 easy tips and strategies, How to save money with homemade Christmas decorations. We were very sad to learn recently that Investec's Click and Invest was to be closed. Here are some tips on how to pick a good financial adviser. UK | All rights reserved. I'm a 30 year old woman earning a reasonable salary with a low cost lifestyle. Halifax is a British bank operating as a trading division of Bank of Scotland, itself a wholly owned subsidiary of Lloyds Banking Group. If you are simply concerned with cost, we provide fund platform Stocks and Shares ISA comparison tables later in this article in which we compare every ISA provider in order to show the cheapest Stocks and Shares ISA as well as the cheapest robo-adviser for you. I have savings and can make a lump sum investment. Due to mum's condition, and the fact that I'm exhausted performing both roles, the only option is to go part-time, as mum won't accept help from anyone else. Oh, and if you have experience using a Halifax ISA, you can write a review too. I am a self-employed 55 year old, with only a state pension. You can transfer Henderson Investment Trust shares you already 1. Sussex | 2. As a U.S. passport holder as well as a British citizen living in the UK, are there certain things I can't invest in? This is in addition to any other savings deposits you may hold across Lloyds Banking Group. We hope you’ve found this Legal & General Stocks and Shares ISA review useful. Who are millennials and how are they investing? London | Paul | Halifax Share Dealing Limited is authorised and regulated by the Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN under registration number 183332. 23/05/2019 | I have also been looking with interest at Nutmeg, Wealthify, IG and AJ Bell Youinvest. What is the best way forward for pension and tax reduction? North Yorkshire | I'm 22 and have a comfortable safety buffer in cash. What is the best vehicle for that please? Barry | Any bright ideas please? Stocks and Shares ISA. My question was about a man offering a 22.2% average return on his stock picking ability. Holly | How many budgeting loans can I have in a year? Rohan | A stocks and shares Isa is a tax-free account that allows you to put your money in a range of investments. 05/04/2019 | 04/04/2019 | London | Could you please explain the low-risk options we might want to consider? We may also publish information about consumer credit, loan, mortgage, insurance, savings and investment products and services, including those of our affiliate partners. 3. 0, Roderick | Mark | If you need regulated financial advice, you can find a good adviser via sites such as Unbiased & Vouchedfor. What is the most tax-efficient way to access Baillie Gifford's Scottish Mortgage where the majority of Investment Trust ISA was held? 19/07/2019 | 1. I have no other family apart from her. 21/05/2019 | London | Alternatively, if you’d prefer to invest in a wider range of funds, stocks and shares, or bonds tax-efficiently, you could try a Halifax Self-Select Stocks and Shares ISA. We're really keen on investing in ESG funds/companies only. Should he take a SIPP out as well? Glamorgan | I'm 73, retired, married, a house-owner and would like to utilise my savings better. Oh, and if you have experience using a Halifax ISA, you can write a review too. 06/09/2017 | Your individual charges may differ. I am not paying into a pension at the moment but have £125,000 in my pension pot, and have fairly substantial money in Stocks and Shares ISAs. I've tried to find reviews of his services but cannot find them anywhere except on a really old forum of his older product 'Spreedbet Beginner' where people have said they are blocked pretty swiftly on Twitter etc if they raise an issue. 2. 0. Stocks and Shares ISA; Cash; Pete Matthew's Response; My husband and I are new to investing and would like to make a minimum 10 years investment in Stocks and Shares ISAs, plus an ongoing £500 each a month. In fact, by investing in stocks and shares via an ISA account, you can effectively avoid paying any tax on the first £20,000 you invest – each and every year. Are you aware of a peer-to-peer site that could assist? We're really keen on investing in ESG funds/companies only. I could just put more money into my existing ISAs. What should I keep in mind? Goal 2 - Less Important: To be mortgage free. Investments with Halifax Share Dealing Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme. Stock market and stock exchange: what’s the difference? As such, there are now a plethora of stocks and shares ISAs available in the UK, each with their own advantages and disadvantages. Christopher | Katherine | Important stuff: Holly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice, nor are we regulated by the industry watchdog (although we do talk to them a lot). I would now like to put £100 a month into a Stocks and Shares ISA for at least ten years. London | My mother is 84 and has around £35,000 in cash, realised when she moved to a smaller house. Our commitment to you is complete honesty: We will never allow advertisers to influence our opinion of offers that appear on this site. I have an ISA with them and seem to have a choice of transferring the ISA to another company "as is" or liquidating and reinvesting. I want to invest in one specific company’s shares. They are great. I work for my company which funds my SIPP directly. ... Stocks and shares Isa . Oh, and if you have experience using a Halifax ISA, you can write a review too. Halifax Stocks & Shares ISA Review; Access 2,000+ funds or trade shares at £12.50 per share or choose from three ready-made investment portfolios Which providers would you suggest for first time investors? All investments carry a varying degree of risk and it’s important you understand the nature of these risks. I'm nervous about doing my own investments, so I don't really know where to begin. Halifax Stocks & Shares ISA Reviews Ratings based on 6 reviews Last review 1 year ago Halifax ISA reviews from our Smart Money People can help you to give you the inside track on what having an ISA with Halifax is really like. I've put together a plan for us - can you have a look and see if it makes sense? © 1998 – 2020 The Motley Fool. So what can I do with my money to make money? Helen | I’m 36 years old, earn £85k, and have about £40k savings in the bank, mainly in an old ISA that I’ve done nothing with. Jenny | Please can you help to ease some of this burden, which has proved an awful part of my retirement and made me frightened to spend any money. Stephen | Dale | Choosing an investment ISA Or am I better off cautiously investing myself, and saving the fees? Or if not, should I continue investing in my previous workplace pension? It must be noted that investing directly in stocks and shares is a riskier investment strategy and while this may prove profitable the risk of losses are greater. I recently came across your blog and it has been a great introduction to learning about my personal finances.
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