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Ask an Expert

Even the most seasoned investors are can feel nervous. We do our best to take your questions and share opinions and ideas from our voluntary network of financial professionals.

We love that our Ask service is becoming so popular! However while we grow, please be aware that there may be a delay in our Ask Experts getting back to you, as they offer their help on a voluntary basis.

We are not regulated to give personal financial advice – we can comment generally but can’t give specific answers to detailed personal circumstances, nor suggest any individual investments. Please keep your questions generic and don’t ask us which stocks to buy or sell!

What we can do is to share a general opinion or suggest where you can go for more reading or help.

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My son has a savings plan with Witan Jump that is now being closed and transferred to Hargreaves Lansdown. However, Hargreaves informs me that I cannot transfer all the money (£26,000) into a Junior ISA account, because it's more than the £20,000 yearly ISA allowance. I would like to keep the remaining money invested, but would appreciate some advice as to how I could invest it for my son.

Isabella | Kent | 19/06/2019 | 0

  • Junior ISA
Lesley James's Response

I have put the full allowance into my daughter's JISA. If for some reason I passed away, would the amount over £3000 per year be liable for inheritance tax?

PB | Derby | 18/06/2019 | 2

  • Junior ISA
  • Inheritance
Tommy Watson's Response

I have opened my first Stocks and Shares ISA, and have a company pension on the new standard 5%/3% contributions. 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?

Kevin | Strathclyde | 14/06/2019 | 10

  • Private Pension
  • 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. We're really keen on investing in ESG funds/companies only. To 'diversify', would it be better if one of us uses a robo-adviser and the other a traditional platform? For one to go active and the other passive approach? One higher risk than the other?

Emma | Herefordshire | 13/06/2019 | 6

  • Stocks and Shares ISA
  • Sustainable Investing
  • Mortgage
Simon Bullock's Response
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