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New MSE 'Buying Funds' calculator
Hey folks, We've just published our updated Discount Brokers article, and we've added in a new calculator to help work out the cost of investing, both by going direct or using a cheap discount broker If any of you have a bit of time, it'd be great if you can have a play around with it, let us know what you think and if…
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Discount Brokers Discussion Area
This thread is to discuss the new Discount Brokers: Get more investment for less money article including the new Buying Funds calculator, showing how much you can save by using a discount broker Please click reply to discuss
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£15k Investment - help please!
Hi - we are seriously considering selling our endowment policy with Standard Life which is due to mature in 5 years time. We have been told w, so the will get circa £15k and were wondering:- 1) Is this a good option, or should be keep the SL policy until maturity. At the best rate of 7.5% forecast SL are only predicating…
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I have a bone to pick with our tax system
Say you in your mid 20s and have worked real hard at a job to earn £41,500 a year in taxable income. this means, after your £5.5k personal income allowance, any income your earn additionally you pay 40% tax on (as your on £36k+ from then on). Let's say you get a bonus of £3k. You then have to pay £1200 to the tax man. With…
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Shares
I am a novice when it comes to shares and would appreciate your advice on the following: 1 How much tax do you pay on dividends? 2 I think the CGT allowance is £9600 - does that mean if you make less than that sum when selling shares in a given year you do not have to pay CGT?If so do dividends fall within the allowance…
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New Bradford & Bingley 1 year Bond 6.40% AER
Bradford & Bingley has rolled-out a new one-year fixed rate eBond at 6.40% p.a. gross/AER (5.12% net). The limited edition online bond requires a minimum investment of £1,000, maximum investment £2,000,000. No further deposits or withdrawals are permitted until the account matures on the anniversary of its opening.…
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£35k in ICICI 7%, £35k in Kaupthing 6.86%....Nationwide next?
I have about £100k i want to put into year long bonds. I am going to put in £35k in ICICI (this looks very good based on you still get 5.75% on any withdrawls). Kaupthing appears to be wise, but I havent found what their withdrawl penalties are. I currently have a current account with Nationwide and they offer 6.4% on 1…
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£1 test BACS transfer into Kaupthing- what next?
Hello. I would welcome a little advice... I have opened the Kaupthing Edge savings account so I could take advantage of the 6.86% deposit account. As suggested on the forums, I did a £1 test BACS transfer from my linked current account. This went fine. I now want to deposit £5000 in the 6.86% account. Is there anything I…
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ICICI 7% 1 year deposit
Any comments on this offer from ICICI? Is it a good one?
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Existing A&L Premier Direct- any benefits for me?
Hello. I would welcome a little advice... I have a A&L Premier Direct current account, which has a paltry rate. I see that new Premier Direct and Premier current holders can access other high interest Regular Savings and ISAs. Is there anything an existing customer can access these accounts? I'm closing my account if not!…
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What is "new money" with regards a Regular Savings account?
Hello. I would welcome a little advice... I have a Halifax Regular Savings account at 7%. I wonder if someone could explain the concept of why Regular Savers are best for "new money" please? For example, what kind of account is best for me to "drip feed" from? Thank you in advance. BG
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Kaupthing Edge Paying In
I spoke to customer services yesterday to clarify the situation about paying in from a non linked account. Initially CS said that all transfers must be done from the linked account. However, when I let CS know that I had read of customers successfully paying in from non linked accounts, they said that it is possible to do…
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Has anyone sold Cafe Direct shares?
I bought some shares in Cafe Direct when they float 3 or 4 years ago. As the shares are not quoted on a stock exchange, you need to go through a designated broker who can trade the shares on a "matched basis" Problem is that I've registered an interest in selling my shares in December time, but nothing has happened since.…
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Halifax Childrens Regular Saver....
We opened one of these for my son just after he was born in Feb 07. At the time the int rate was 10% fixed for one year..... I have looked on the site, but cannot find what the int rate is now..... any ideas? The Save4It acc that the money was swept into pays 5.55%, but I can't find any new int rates for the regular…
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Savings in the higher tax band!
Hey! This year I am going to be entering the realm of the higher tax band. I was just wondering what happens in regards to declaring interest on savings? Is it something I need to do at the end of the year? During the year? Any linkage or help would be appreciated! Thanks.
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OEIC/UT Question - What does "CF" in the name mean?
Not really of any great importance, but I've noticed that there are an awful lot of funds with names starting with CF :confused: CF Ruffer European as a random example I happened to be looking at. Can anyone explain what it signifies? Cheers :)
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Sainsbury's savings and interest payment, I don't understand..
Hi All, Can someone explain what the following means in terms of my account please? I did open my account post April 2007 (Actually was May 2007) and have therefore not received any interest this year on a balance of 2K. ON the website, the message says "Just received your certificate of interest? If you have received your…
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tessa,s
Hi all I don’t understand banks; my wife’s got a Tessa isa with the bb, and its coming up to a 3 year term. when I asked if she could put it in the account paying 6.25% they said no, it got to be new money, so I asked what’s the best interest paying account she could put it in, it was 5.5%, so I cant wait till the 3 years…
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interest must be paid away
Examining basic details of potential fixed rate savings bonds listed at another website, the term 'interest must be paid away' often appears. Alternatively, the term 'interest may be paid away or compounded' is also used. Can someone explain the implications of these terms please? I know many savings accounts require a…
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Balanced Investment Fund in current market
Hi All, After a little advise, i currently have AXA investment bonds, £60,000 invested as follows Property - 28%Europe - 13%Global Distribution - 12%UK Opportunities - 12%Active Protector 70 - 35% I have an income from the fund of £200.00 a month. I need to cash in £20k for home improvements and wondered which fund should…
