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Ask Justin

Ask Justin

Got a question about your finances? Or perhaps there's something on this site you don't understand? Then Ask Justin!

You can ask financial expert Justin Modray a question using the link below. The service is free and Justin answers as many questions as he can (time permitting).

Questions answered to date: Total Answers

Justin's spent over 12 years working in financial services, during which time his expert views and comments have been featured thousands of times in the national press and on radio and telvision.

Please bear in mind that neither Justin nor this site are authorised or regulated by the Financial Services Authority (FSA), so he is not allowed to provide specific financial advice. To do so would involve a lot of onerous procedures and expense, for example, he'd have to gather details of and review your full financial situation - simply not practical for this service.


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Justin's answers (click on a heading to sort)

Category Topic Question Asked By Comments Date Helpful?
Investment Shares Are second hand VCTs tax-free? Tremorfaboy 1 05/06/13 3
Tax Inheritance Tax Best way to pass money to children to avoid IHT? curious 0 05/06/13 5
Investment Unit Trusts Should I use more than one fund supermarket for safety? paulharvie 0 04/06/13 7
Investment ISAs Where to invest in troubled times? CRAIGDUNCAN 0 04/06/13 5
Investment Unit Trusts Do clean fund versions have better income yields? milo55 0 29/05/13 8
Financial Advice General Should I use more than one fund platform for safety? neilf53 0 29/05/13 6
Investment ISAs Transfer from Hargreaves Lansdown to Cavendish Online? kingric 0 29/05/13 8
Investment ISAs Where to invest my first shares ISA? T1nkers 0 29/05/13 2
Investment ISAs Best platform for regular fund ISA saving? boylips 0 14/05/13 7
Investment Unit Trusts Avoid Scottish financial companies in case of independence? zircon 0 14/05/13 11
Retirement SIPP Should I use Bestinvest Select SIPP or other? BarkingMad 0 14/05/13 14
Financial Advice General Guide to IFAs? phledge 6 14/05/13 6
Financial Advice General Should I wait before moving to a cheaper platform? savvysaver 0 13/05/13 14
Investment Investment Trusts Troy Trojan fund or Personal Assets investment trust? devlin7 1 13/05/13 7
Investment Unit Trusts Better deal on Henderson Cirilium fund I've been sold? Ironnick 0 13/05/13 3
Financial Advice General Good financial dictionary? DocBrown 0 13/05/13 1
Retirement SIPP Bestinvest FundsNetwork SIPP change? timodonoghue 1 13/05/13 2
Financial Advice General Can trusts (e.g. UWPT) avoid care home fees? jfernandez 0 24/04/13 15
Tax Inheritance Tax IHT position if I give home to my children? moorhoi 0 19/04/13 6
Investment Unit Trusts Why do your platform projections differ from rPlan's neilf53 0 19/04/13 7
Saving Savings Accounts Scottish Friendly Moneybuilder worthwhile? halicarnassus 0 19/04/13 2
Investment Shares Must I sell shares to put them in my ISA? mco4jason 0 19/04/13 7
Investment ISAs Vanguard LifeStrategy funds for my Bestinvest ISA? eaustin 0 18/04/13 6
Saving Cash ISAs Best buy cash ISAs? bigdeal 1 18/04/13 4
Financial Advice General Minimum standard for financial advice and service? Gally 0 18/04/13 3
Investment ISAs When is Bestinvest custody charge taken? johnr 0 18/04/13 3
Tax Income Tax Platform rebate tax and non-taxpayers? Steved 0 16/04/13 4
Financial Advice General Vestra Wealth for my SIPP? satishchauhan 1 16/04/13 2
Investment Unit Trusts Where to move my Saxo MWM account? tonyzak 0 16/04/13 1
Investment Unit Trusts Where to invest for the next 5 years? STANBEHRMAN 0 16/04/13 6
Tax Capital Gains Tax CGT and SAYE, rights issues, splits, DRIP etc j4_twj 1 04/04/13 2
Financial Advice General Should I subscribe to Midas Extra? kane1926 0 04/04/13 4
Tax Inheritance Tax Give children some of my home to avoid IHT? JohnoGroat 0 02/04/13 3
Investment ISAs Is my IFA recommending ISA transfer to pocket more money? ccconster 0 02/04/13 6
Investment Investment Trusts Investment trusts more expensive than unit trusts? STANBEHRMAN 0 02/04/13 20
Retirement SIPP Where to transfer my Hargreaves Lansdown SIPP? rickla 2 02/04/13 8
Tax Inheritance Tax Inheritance tax position on joint gift? JohnoGroat 0 02/04/13 3
Investment ISAs Is Artemis Capital a diamond or dog? rsaroz 1 02/04/13 5
Investment ISAs Best all-round platform ISA? gba123 2 02/04/13 7
Investment ISAs Can discount brokers still receive commission? stradivar 1 02/04/13 8
Retirement SIPP Vanguard LifeStrategy 100 fund for pension? IainH 0 02/04/13 5
Retirement SIPP Best SIPP for drawdown? Pembwynd 0 01/04/13 3
Investment ISAs Is now a good time to invest in funds? kane1926 0 01/04/13 3
Tax Capital Gains Tax Will switching to clean fund units trigger CGT? ivanopinion 5 25/03/13 13
Investment ISAs In-specie transfer from Lloyds Portfolio Management? daisiemae 0 21/03/13 5
Tax Inheritance Tax Will paying son's university costs reduce future IHT bill? Mother22 2 20/03/13 7
Investment Unit Trusts Leaving Hargreaves Landown will slash costs - any catch? TRRTRR 1 20/03/13 25
Investment ISAs Are fund prices affected by demand? STANBEHRMAN 0 19/03/13 4
Retirement Investment Choice How to invest my pension when approaching retirement? CRAIGDUNCAN 0 19/03/13 9
Financial Advice General Am I FSA protected if my IFA moves to Ireland? Stoneman 1 19/03/13 3
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