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Investment trust ISA v OEIC ISA
In performance tables, on the whole investment trusts have done much better than units trusts/OEICS over the last year. Why is this? Is it because the stock market has been rising so the demand for shares is pushing up inv trust prices? Do investment trusts always do better than unit trusts, including in the long-term? I…
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£100k property or invest??
my hub and i are looking at buying a property for £100k with a montly income from it of around £375 less any tax thereon having read these threads i wondered would i get as good a return elsewhere in an account for example.. or is there anything that gives a tax free return i am not very knowledgeable on isa, tessa etc so…
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Q about investing in Aussie govt schemes
Hi, a friend of mine wants to emigrate to Oz. He'll get extra points if he invests AUS$100k in what I think are some kind of bonds with any of the Aussie state governments for 12 months. He's thinking of borrowing the cash from his father to boost his chances of getting in. He wants assurance of the safety of these…
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Which is best for me? Natwest E-savings Vs. ISA
I'm looking to open an account in which i can save money... I need it to be accessible online and I need to be able to move money fast... (I don't want to have to wait ages to swap funds through accounts) I will be depositing small amounts each month and then my student loan, and will transfer funds to my current account…
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cheapest shares broker for buying euro shares
hi all i want to buy some shares which are in euros and don't want to pay a load in exchanging pounds to euros. i'm currently with hoodless and brennan who give a decent exchange rate and i know they are the cheapest for uk shares, but who is the cheapest for euro shares? and also, does anyone know how to go about buying…
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Purchase annuity from Scottish Widows?
I have an unclaimed 'SERPS equivalent' pension which was accrued whilst I was working for a company which was not 'wholly contracted out' of the government pension scheme. I have already retired (aged 63) but not yet claimed this pension. Under the present rules I have to buy an annuity with it but I suspect that from…
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Britannic Capital Builder - Deal or No Deal?
Hi Everyone, I have a 10 year Capital Builder policy with Britannic which I took out 9 years ago (due up in August 2007). I have just asked about surrender value and been told this would be just over £5k. I have asked about maturity value and been told this could be between £6,200 and £6,560. Basically when I work it out…
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Need help with investing/saving £100,000
My husband died 3 years ago and his pension scheme paid put a lump sum plus an annual pension. Mainly because of this and the fact that I'm still in full-time employment, this pushes me into the higher rate tax bracket, mostly through the interest I'm making on my savings. I have maximised my cash ISA, bought £20,000 of…
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Compensation for Flawed Investment Advice
I was made aware of a landmark case and American Judgement last year on TV between December 17th and the 30th but didn't catch the name of the case and much more, all I remember was that it affected all the major investment houses and they were told to compensate those who followed their investment advice and lost money as…
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Buying Shares Getting Started
Hi all I am a complete novice at this but I want to start buying some shares but not through a broker (avoid the fees). Can it be done and if so where? If not does anyone know any good low cost brokers.
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Alliance & Leicester / NS&I for better Cash Mini ISA Rate...??
Can anyone tell me which of these is giving the better rate? I'm not sure if I should be comparing the A&L rate of 5.20%, to the NS&I rate of 4.20% or to the NS&I rate of 5.25%. Thanks! ALLIANCE & LEICESTER Earn 5.20% gross p.a./AER (variable) includes bonus of 0.70% until 30.04.07 includes bonus 0.90% until 31 March 2007…
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40k - options for income with some growth
Hi Not sure if this should be in retirement planning, on balance here seemed more appropriate: Any suggestions regarding the investent of a ~40k lump sum for a retired couple wanting to take an income from it with some capital growth. Advice is also being sought from an IFA and a couple of high street instituitions - any…
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Premium Bonds..help please!!
Hi all I'm looking to invest a small sum in Premium Bonds.Can anyone please point me in the right direction. Any links to get info on them or can anyone offer any advice to me on investing in some,how they work,where to buy etc....? Many thanks Terry
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Post Office Guaranteed Equity Bond now out
The post office is offering a new issue of the GEB; based on the FTSE 100, 75% of any gains over three years, or 110% over five years, with the usual security that you will at the very least get back the amount you put in. I've been waiting for the Post Office GEB for a while; now that it's here, I'd like to ask if anyone…
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advice required on the best way to save (accounts) in the hope of buying a flat
Hello All You Money Saving Experts! I would like some advice, please? I am looking to buy my first flat, I do have a lump sum of approx £40.000 which i have in C&G Direct Transfer acct. I know that I need to transfer this money to a High Interest account, but I want be able to access it within the next 6 months to a year…
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Savings Account
Hi there, I am looking to open a separate savings account as me and my partner are wishing to save for a mortgage. Can you suggest any accounts that are easy to access if you need money taking out? and offer the best what’s around as I’m not sure where to begin, as I have tried applying online (NATWEST) and I am unable to…
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Better than an ISA?
I've just opened the A&L Premier Direct Current Account - very happy so far. I also opened the 10% saver account. Can someone clarify this for me... If the savings account is paying 10% albeit gross, and the best ISAs are currently about 5.2% gross, surely even though you end up paying tax on the interest, the savings…
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Unsure About Incorrect Bank Payment
Hi could some one help me here. My partner has had a lump sum wrongly credited to his account by his bank. However the amount was not credited by his branch but from another area. They have sent him a letter asking for the money back, and he has to sign a form to allow them to do this Does he legally have to give the money…
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Ing Direct
Following the BOE's decision to not change interest rates, Ing Direct savers are now suffering their month of sub-optimum interest rates (as well as the up to four day delay, and loss of interest in money movements). When will it end? I moved my savings, did you?
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£100 per month to spend on shares - via halifax or ...???
Hi, i have 300-400 available NOW to spend on shares, and I can afford to put a further 100 pounds per month into shares(occasionally200..more if myspreadbetting and taking advantage of free bets works out). which sharedealing service would you recommend? Would I be the actual shareholder and receive company perks/rights as…
