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Can somebody explain this to me about ISAs
I've been looking at ISAs and know that the total you can pay in for this tax year is £3,000. If the interest on that is say 5% then that is only £150 a year interest. What is the advantage of opening an ISA if I can have a top savings a/c paying 6% or higher on the same amount? Any help gladly appreciated. :think:
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Where would the Smart Money Go? (What to Do With £32k)
Hi All, I'm relatively new to MSE but ive found it to be a great site with intelligent advice and ideas from alot of knowledgeable people - I salute you. (does that sound crass/cheesy?!) :rotfl: hope not, anyway moving swiftly on............... My question:- I have £32k cash to invest (proceeds from STR (sell-to-rent)).…
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Peps & Joint names
Hi Hope someone can help, I'm not up on all the terminology but the situation is- My grandparents had some money to invest approx 20 years ago when they built and sold a house, they were recommended to invest it in a 'PEP' but only in my grandads name, now that my grandad is in a nursing home full time with parkinsons…
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Peps & Joint names
Hi Hope someone can help, I'm not up on all the terminology but the situation is- My grandparents had some money to invest approx 20 years ago when they built and sold a house, they were recommended to invest it in a 'PEP' but only in my grandads name, now that my grandad is in a nursing home full time with parkinsons…
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How would you invest 1 million euros
Say hypothetically I have a million euros to invest. What should I do with it to get a decent return. Say for instance I want to put 20% of that in a high risk good return investment and the rest in something stable yet with a decent return? Any ideas would be useful.
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Which is the best savings account?
We have £430,000 to invest and want to live on the monthly interest - which is the best account to put our money in? At the moment we have our money in a range of accounts but some are either annual interest or won't let me withdraw without loss of interest.
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Savings Account that requires 2 Signatures
Hi, I am looking for a savings account (that is for a child) but will require the signatures of both parents in order to allow money to be withdrawn from it. Obviously I am looking for the highest rate of interest available but the key thing is that it must be dual signatory. There is around 10k to go into the account.…
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Bonds or instant access
Even though many people seem to think IRs are going down this year, despite inflation being on the rise, I get the impression that many on here are opting for instant access accounts rather than 6 or 12 month guaranteed rate bonds -if you are doing this, why so? Do you think IRs are going to go up re inflation? Do you…
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New article very bullish on commodities
http://www.thisismoney.co.uk/investing/article.html?in_article_id=430652&in_page_id=166
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Share price patterns
I am looking to invest in halifax shares. There are currently aound 630, this time last year they were nearly double that. Obviously the financial market has been a little unstaedy so that has affected the price, but is it likely to pick up again. Looking over the past few years they seem to drop quite low then pick up.…
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Blackrock UK Absolute Alpha
This fund is designed to never go down and it doesnt seem to have so far. It returned about 10% last year. So is it effectively as safe as a cash savings account ? http://www.h-l.co.uk/fund_research/security_details/sedol/B11V7T6.hl
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Can't deposit to Principality, also should I trust them?
Hi, I've tried to make a few deposits into my new Principality e-Saver account with any luck. My initial small payment (just £100 via cheque) to open the account was fine, but since then I've had no joy. On three occasions now I've tried transferring money via the direct debit they've set up (as far as I can tell it's the…
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Best way to save money over 10 months?
I want to save £500 a month till January 2009 at which point I will need to withdraw the entire amount, including all interest earned. What would be the best way for me to save this £500 each month so in January 09 I can: a) earn the maximum interest (preferably tax free!) b) withdraw the amount without losing…
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Northern Rock to lower savings rates ?
Will Northern Rock likely be lowering their savings' rates this week? Their rates are higher than NS and I. Commentators are saying Northern Rock will remain public for years. Has Martin written an article about Saving with Northern Rock ?
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firstsave rate cut
Just been on the firstsave website Rates now shown as easy access 6.26% fixed rate bonds 6.30%
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What can a 15 year old do?
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Which ISA route?
I already have a monthly savings fund to a mini-equity ISA with fidelity, and I intend to keep that going. Now I wish to put around £200/month into a mini-cash ISA. The question is where? I already have a Nationwide Members cash ISA bond(s) with around £17k in, so I was considering adding to that. But then I've read on…
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Where To Find?
Hi Whats the best place please that shows the general performance and rating , (in simple terms) of the various ISAS ? I want to find out how rubbish or otherwise my Hendersons Preference Bond ISA , and my Fidelity Managed International ISA 's are. Also my appearing to be rubbish SWidows flexible option bond which has lost…
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Credit Unions
Hi everyone, 1st post so feel free to move if in wrong place. I am thinking of joining my local credit union and just looking for some advice. Just wandering what peoples views are on using a credit union for savings/loans etc rather than dealing with banks.
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Bradford and Bingley - what a palava
Well today after much thought I have closed my Sainsburys account after it dipped to 5.75%. I have opened the B & B eSaver account at 6.4% and a B 7B E bond at 6.5%, but what fun and games I had, its taken me nearly 2 hours to sort it, yet I STILL have to send documents to prove my ID and residence, you'd think they would…
