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Premium bonds - when in month to invest?
If I'm going to put some money into premium bonds, want to check timing on investment. My understanding is that they have to be held for a 'full calendar month' before they are entered into the draw. I believe the draw is on the first of every month. Therefore I assume that money should be put in as close to end of month…
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Can I have a second a/c holder added?
I want to open a savings a/c and wondered if I opened the a/c in my name can I add my partner's name at a later date? Thanks in advance for any help.
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Kaupthing 35K Guarantee?
Is kaupthing guaranteed for 35K? Has anyone got a link to prove this once and for all? I read recetly that Kaupthing is excluded from this guarantee !!! Is this the case?
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Investing £250,000
I'm selling-up and moving to rented accomodation for a year or so. After selling my home, I'll have £250,000 and want to invest it safely but with reasonable access as I hope to purchase a property again in about a year's time. What is the best option for maximum return? Thank you... Tonome
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Newbie Question: Do saving accounts take into account inflation rate?
Hi Guys, First post here and I have a nagging question. Say you register a savings account at an annual rate of 5% and national inflation is running at 3%, does that mean your gain is really 2% instead of 5% or does the bank take into 'account' the rate of inflation and the 5% is the actual net rate??? Sorry for the…
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ISA Transfers.
This is a question for a friend of mine. She tried to transfer her existing ISA (It pays 5.5%) into the Lloyds TSB ISA (paying 6.5%) however because she is not an existing customer and is unable to visit her local branch she can't set one up. Are there any other good ISA's available that she can transfer her money into?…
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Confirmation please re A&L esaver
HI all, If I have for example 10k in A&L esaver that pay no interest in a month with a withdrawal - am I correct in assuming if I was to withdraw say 5k, the 5k left would be 0% for that month - loosing me just under £20??? :confused: It that right or am I just having a nightmare? Thanks guys, sorry if it seems a simple…
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savings open to trustees
Dear All, I am looking for some help in finding where to save. My wife and I have recently become trustees to a family trust. We are planning to have some of the funds in safe deposits and the rest in a portfolio investing in a range of collective investments. We are getting advice on the latter. We are planning to use the…
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Deutsche Bank Sterling ETF
Does anyone know anything about this - apparently it qualifies to go in a stocks and shares ISA. Any opinions on it? It seems it might be quite a good temporary cash shelter - rate about 5.3%
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Selling shares?
How do I go about selling shares that have been bought for me? I've never dealt with shares and I found out that I was bought some when I was younger by my family and I would like to sell some of them. I've read the article on the site but I am completely flumuxed by the whole thing. Can anyone give me a VERY simple…
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ideas welcome
hi all came into a small windfall of 7000 pounds where is the best building society to bank it, it will be only in for a short while as a car is planned this year. thinking floatation on the building society front in the future.
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Anglo Irish Fixed 6.75% Bond Ok?
Hi all I'm new to this and haven't seen much about the Anglo Irish fixed 6.75% 1 year bond. One of the best rates I see but are they sound? Good service etc? Any advice much appreciated.
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To be a lazy investor...
I like the idea of 'funds' as these appear to be somewhere you put your money and someone else manages it (ie moves it in and out of various stocks and shares etc).Am I right? In that case, If I have 3K to invest for 3 years, and I want a higher return than just having it sat in a savings account, and once I've invested it…
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long term savings interest rates average?
Hi, I need to find a reliable figure for the long term average annual return from savings (after tax) - I'm sure that the investment gurus on this board will have this figure to hand as it's often used for risk/return analyses for different types of investments. Any references? cheers Reestit Mutton
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Savings accounts?
I'm looking for a savings account that will allow me to lock it. I want to ba able to pay in but not take out for about 5 years. Does anyone know of any accounts like this? It doesn't have to be high interest or anything. Just as long as i can't get into it.
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£100,000 To invest
If i have £100,000 to invest what sort on annaul retrun should i expect if i was using an investment bond? Cheers Dell Boy
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Phoning banks and passwords
I tend to sort out finances for my mum and am having a bit of a problem with a new account I opened for her. They sent a debit card with the account, which was not activated. They then sent a replacement and I made the mistake of destroying the new one instead of the old one. The problem I am having is I cannot get the…
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Could Kaupthing Edge be the next Rock?
edit......
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Commodities v Equities split
Commodity prices have been booming for the last few years and all the signs are that they will boom for at least another 10 because of massive increased demand for gold, steel, oil, food etc from the developing countries and the fact the world population is rocketing - ref "the commodities supercycle". However commodities…
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Active management performance
Interesting study: http://pensions-institute.org/workingpapers/wp9903.pdf
