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Savings: What is my best option?
I would like to start saving £50 a month for my son for when he goes to college. Where would be the best place to put my money to ensure maximum investment without risk. We don't think that we'll be touching the money for at least 10 years but I don't wan't to be swapping accounts every year or so.
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where is my money.
invested £100000 in scottish widows fund ,changed my mind after 3 weeks sent cancellation notice 10-3-07.still waiting for the money.can I claim interest on the money.
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Halifax Managed Income - how bad?
I have had 170k in this fund for nearly a year and have been checking up on it’s performance following dire warnings on this board. I totally take on board comments about never trusting banks etc, and I will be diversifying out of this at some point. However in a reply to another query on the subject, Chrismaths said ‘Have…
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Protected FTSE Plan and Guaranteed Equity bonds - are they same thing?
I have a letter from an IFA suggesting investment in a Barclays 5 year FTSE Plan. It offers 120% of the rise (if any) in the FTSE 100 index. However there is 3% commission payable. I notice National Savings and Investments offer a very similar product called Guaranteed Equity Bond (GEB). It also offers 120% rise (if any)…
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Can I ask about shares?
I have done a search of this forum and can't find the answer so i hope someone will be able to point me in the right direction. I have got 50 shares in the Abbey (now Santander) which I want to sell. It's such a small amount that I may as well get rid of them. But how to sell? It's such a small amount so I don't want to…
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Principality BS 5.60% E-SAVER
Just announced. Note the minimum £1 which compares favourably with the similar 5.60% Bradford & Bingley e-savings3 which requires £1000 and the ICESAVE Easy Access 5.70% which requires £250 minimum. http://www.principality.co.uk/default.aspx?page=576 Having personally dealt with the Principality BS from well outside of…
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Savings / Investments - High Tax Band Earner
I have 25 thousand pounds to invest and would like some advise on the best way for me to do this. I have just gone over the earning threshold into the high tax band. This obviously has an impact on the best way for me to invest / save my money. Any advise would be greatly appreciated. :confused:
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First Direct - ESaver
Hi, The interest on an e-saver is paid on the 1st as we know there is a penalty on withdrawls. If I withdraw the entire balance I take it I won't get charged as I can't lose any interest as there is no money to gain interest on. Have I missed something or is that how it would work Thanks
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Mps Back Financial Mutuals Bill
A Parliamentary Bill which would affect building society funding limits and the rights of investors was backed by MPs today. The Bill also proposes to make it easier for different types of financial mutuals to merge. The legislation was proposed by Sir John Butterfill MP, who has been a long-standing supporter of the…
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Savings account to pay regular amount to current account
My MIL is 79, frail and lost her husband three weeks ago. She has a current account at Barclays, and various building society accounts, some ISAs and some not. When the legal processes of probate etc are finished she will probably have £80,000ish in total. What she needs is to have the money rationalised into one or two…
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High, high, highest Interest!
Hello, I have just joined the forum after spending several hours fruitless searching for the 'perfect'(!) savings account / ISA. I am looking to invest a lump sum of approx. £2000 and am obviously looking for the highest possible returns. DOes anyone know of any better deals than the current ISA deal from Alliance…
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Query ref fund performance percentages
I am confused by the percentage returns given for funds from sites like Hargreaves Lansdown and Trustnet. For example, I have held Aberdeen Emerging Markets for exactly one year, and per my portfolio summary at Hargreaves Lansdown I have had a 7.54% return. Yet when I look at the fund performance chart for AEM, it says the…
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New high rate tax payer - savings review
I've just had a promotion and decent payrise :j and am now a higher rate tax payer:eek: As a result of this I'm trying to review what I'm doing with my savings and (limited) investments and would appreciate some help. Any suggestions from the floor? My current situation is listed below (gross interest rates). Mortgage…
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What else should I be considering for managing large-ish amount of cash?
As of October 1st 2007 I will have a lot of cash to manage over a period of 4 years, as I am leaving corporate life to do a PhD. I'm selling my house (which is in a different city I don't intend to return to) and getting out of my mortgage, which (fingers crossed) should net me about £40k after fees and moving costs. Other…
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Should I invest some money in a equity fund?
Hi My situation is.. I'm a full time university student, 2nd year, and my sources of income are a saturday job, my student loan and I start a 12 month industrial paid placement commencing in July. I have some money lying around in a mixture of ISA (2k) and current accounts (2k). I'm looking into investing some of it,…
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iraq dinar currency investment
hi there,id like to ask martin if he would invest in the iraq dinar?has anyone here done this?im not going to bore you with the reasons why people are doing it as many will know already. anybody got any advice on this as im thinking of investing
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Does working day include the weekend?
Transfer money into my Abbey E-saver on Wednesday. It states 5 days, so I assume it would reach next Wednesday? I am not including Wednesday as it was done late at night. Thanks
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£6k to invest
Hello all :-) I have 6k to invest as wisely as possible. 3k of this is currently invested in a Alliance & Leicester Direct ISA Issue 2 (5.4% paid out Jan every year). I received £90.88 Jan 2007. Thanks in advance, Lee.
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Cahoot - Any Good?
Hi All I opened a Cahoot Savings account last year to qualify for the £40 cash back through quidco. I have decided to now use the account as i have around £50 per month i can afford to save. Does anyone else have a Cahoot savings account and if so, what do they think of it? Many thanks for any advice or just a hello! 1st…
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Rebalancing 'for dummies'
Hi - I'm the dummy, trying to get my head around the idea of rebalancing. Lets suppose I'm looking to invest £10K this year in OEICS's, and my risk profile is 5 out of 10. I therefore go and buy £1K in ten different OEICS, one each in the risk grade from 1/10 to 10/10 . OEIC1 - £1000 risk grade 1 - Cash under the matress…
