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HSBC InvestDirect - confused
is anyone familiar with the hsbc investdirect service? have just opened a hsbc investdirect account, and i'm confused as to how it operates. I usually use Halifax's sharedealing service (which I top-up from a halifax account and just buy/sell) I opened one with HSBC dealing account because of the commission sale offer and…
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Bereavement - Inheriting shares?
Help! What happens to shares when a person dies? In this case, my mother. With a small amount invested in shares in 2 or 3 companies (still finding all the paperwork) Who do I need to inform? As next of kin with no will but no-one to contest any of the estate. Or do all these things get transferred after probate is granted?
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ICICI - double direct debit problem
The other night I tried to transfer £670 from my Halifax current account to my ICICI HiSave Account using the 'transfer funds' on the ICICI website. Last night I checked both and was surprised to find my Halifax Account was overdrawn. ICICI have sent a direct debit request to Halifax for the £670 TWICE. Halifax have sent…
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Recession proof unit trusts
I wish to invest in some unit trusts but I am apprehensive given current volatilty of market.I have a cash balance which I want to reinvest to retain taxfree status(ISA).I am inclined to the more ethical trusts but these are often sensitive to recession as firms become less sensitive in such circumstances .Any advice out…
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YBS Regular Saver
Hi, I'm interested in opening a YBS Regular Savings account, currently at 6.85%, and saving between £250 and £500 per month. Before I proceed, can I ask, would I need my salary paid into a YBS account to qualify? And would I be able to set up a direct debit to fund it from a NatWest account? Thanks. :)
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Advice on buying and selling gold sovereigns
Evening everyone, I have a speculative question! If I were to buy bulk gold sovereigns and sell them individually, what taxes would I need to pay on profits, if any? Thanks in advance! Eph.
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Risk Profiles and Sector Allocations
Can we have some views on these please? When someone says they are "low" or "medium" risk, the question comes back "What does that mean for you?" because each individuals perception of "low" and "medium" will differ. In March I will be selling my house and will have ~70k lump sum and at least £1000/month to do something…
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Saving for a wedding (and general savings) - advice needed.
Hello, I wonder if someone on here can help me. I'm due to get married in October and am after some advice about savings - we've already our budgets for the big day sorted. Currently my partner & I both save the max into our ISA but we're after some extra high interest savings - ICICI account? I've found the Capital One 1%…
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A bit of risk!!
Hi I am new to this, but have a question regarding Savings!! I would like to save a regular amount of up to £50 per month, but would like something exciting!!! not just an Isa/regular Savings account (or Premium bonds as I have them). possibly with a bit of risk!! :rolleyes: Thanks Pam
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idiots guide
could somebody please explain in simple terms uk growth funds to me ie jupiter, Invesco Perpetual, Neptune etc i appreciate these are not low risk but they sound quite interesting for maybe a 5-10K investment possibly in the future i have had a look at jupiters website but it doesnt really say exactly what they are, i…
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where to put 20k
Hello, I'm new to this site! I've looked on the internet for places to put 20k and it's minefield to a new investor/saver. I want somewhere as safe as houses to put 20k, I don't need it for anything just yet and would like a safe place with a good interest NO RISKS this is our nest egg. there is enough money coming in for…
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Is there a ‘Roth IRA’ (tax free, compound interest) equivalent in the UK?
Hello, I’m looking for some advice on how best to invest a bit of money each month. I’m not as clued up as I should be when it comes to money but I know I need to be investing something. I am relatively young and want to start saving £100 a month; I would like to increase my monthly payments over time as I start to earn…
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Young professional - nearly debt-free thanks to MSE, now wants to save
Hi all, First of all, I want to thank Martin (:money: )and all contributors to this forum whose experience, guidance and recommendations have helped me become practically debt free. :T I left university in 2003 with a £12k student loan, £3k on a credit card, £2k overdraft, and in 2004 got a Northern Rock loan for £9500 to…
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selling certificated shares
Hi I have quite a few paper shares that have been in the cupboard for about 15 years. My OH has some too. I don't think they are worth much but we would like to sell them in the most cost effective way. We are not in a hurry so we thought the best way to do this was to combine both lots of shares (like for like) transfer…
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Post Office Instant access savings question
Hi all, Just a quick one! Opening one of these as it's super convenient to pay cash into it rather than monkey around with internet transfers etc .. and I don't intend to keep a massive balance in it .. just a small cash stash that's in an account rather than under the mattress :) It says there's a min balance of £500 to…
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Best short-term saving option
Hi there I plan on buying a house later on in the year (I'm currently waiting to see what happens with the market) I have £20,000 of savings and am accumulating approximately £4,000 - £5,000 a month. What is the best option for putting this away somewhere for 6 - 8 months? I currently have a cash ISA full up for the year.…
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Regular Savings Accounts - a question.
Many I have seen advertised will only allow you to invest in them as long as you also open a regular account – which usually pays an atrocious interest rate. If I open an account with just a pound, and do nothing else with it, then open a regular saver - will the bank get the hump and tell me to !!!!!! off? I’ve heard that…
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what do people think of UK Income funds at the moment?
Specifically Invesco Perpetual High Income? Seems to have consistently beaten other income funds (Rathbone & Jupiter). Top ten holdings are: Reynolds American Inc British American Tobacco PLC BP Plc GlaxoSmithKline PLC National Grid Plc Imperial Tobacco Group PLC British Energy Group PLC Vodafone Group Plc BT Group PLC…
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disability living allowance
I have been claiming my sons dla on his behalf since he was 4yrs old and he is now 12yrs old. This money has always been put aside for his future to help with rent/transport/living costs etc for when he is an adult. At the moment it is being paid into a Barclays Childrens Savings account with a credit interest rate of…
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Graduate Loan Insurance?
4 Years ago I took out a £10k graduate loan, for which despite argument, HSBC insisted I took the insurace with this. This meant total repayment of around £14k. 2 or 3 months later I returned back to them to argue again that I didn't really need/want the insurance. For some reason they deemed it fit to replace the loan…
