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Safe Savings
Can you confirm that the £35K protection on savings is per person not per household? i.e if 4 adults have seperate savings accounts in the same institution such as the Abbey and live at the same address would they each get £35K protection if the bank went bust?
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Birm. Midshires - changes to Terms & Conditions
Received notification from them today about changes they are making. A few points concerned me and I wonder if when they refer to "your account", they also include Fixed Term Bonds? "We may change the rate of interest...... 3) (iii) because our costs have increased (iv) to maintain our financial strengths Does this mean…
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Are fixed rate bonds protected in anyway?
Hi, I'm currently acting as financial advisor for my parents and seek to find the best place to put their STR house funds while they sit out the market crash. Are the really good 6-month and 1-yr fixed rate bonds now on the scene protected by the Financial Compensation Scheme or in any other way like regular savings…
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How does my portfolio look?
New Star Select Opportunities Fund (Accumulation) £1,150 New Star UK Alpha Fund (Accumulation) £1,340 JPMorgan Japan Fund (Income) £1,025 Jupiter Ecology Unit Trust (Income) £1,050 Sarasin AgriSar (Income) £1100 How does my Stocks and Shares ISA portfolio look to you? Too risky? I am trying to decide what to invest in with…
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Highest return savings / Investments?
Hi, I have about £2k of my student loan to spare and Im looking to invest it into something with a high return. A savings account with 6% doesn't particularly interest me. I have money in the following funds which I think are relatively high risk but hopefully high return: Axa Framlington EmergingMarkets Fund Acc BlackRock…
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Icesave Easy Access Savings Account - enhanced Rate Guarantee
For info ... just noticed on the Icesave News web page : 25 April 2008 – Our Easy Access Savings Account rate guarantee just got even better We are committed to offering our savers consistently high savings rates. In line with this commitment we are pleased to announce that, with immediate effect, the interest rate…
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Advice
I have been given some advice and wondered what you thought. I have £100,000 from the sale of my fathers house which needs to be invested/saved to make up his home care fees, about £400 per month, which means the interest would have to be paid monthly. The advice I have been given is to put the money into a bond and then…
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Yorkshire BS Rate Changes From 27th April
Selected variable rates will be re-tiered and reduced by up to 0.35% CASH TRANSACTOR: 0.55% (-0.35%). ACCESS SAVER and ACCESS SAVER FOR PENSIONERS: 3.65% (-0.35%). POSTAL SAVER (-0.25%): £100 - 3.50%, £1K - 4.05%, £10K - 4.10%, £25K - 4.20%, £50K - 4.30%, £100K - 4.45%. INTERNET SAVER: 5.70%(-0.05%). NOTICE SAVER (-0.25%):…
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Abbey - 3 Year Olds Interest taxed
When my daughter was born I set up a bank account with Abbey National and filled in the relevant form to pay no tax on the interest (I am an mse’r). After a year I got notice that she had been awarded x amount of interest with x amount of tax taken. I went to the Abbey National filled in the form again, the lady could not…
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ISA Transfer ... from ING to ?
I've had my ING ISA for two years, now with the rate at around 4.5% I was thinking of transferring to another bank. Any advice on who to approach when transferring and where to? I currently have ~£6000 to transfer. E
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ING ISA Transfer
I had ING ISA 07/08 from April 07/08, transferd all to YBS after 6 months. I thought that i've done and dusted with ING but today i recieved certificate of deduction of tax from ING (with net interest). But I though that this account was closes once all money is transfered. What shall i do?
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Company ShareSave Scheme
Our company has just announced it's employee sharesave scheme and I wanted your thoughts on how good a deal you think it will be. Details are: * We nominate to have between £5 and £100 a month deducted from our salaries (after tax) for the next three years. * After three years, the saved amount of (£180 to £3,600) is given…
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Best current, regular and ISA accounts for me?
Hi all! :wave: My first post on here, so please be gentle. :D I am 18 years old and start my first proper job on the 10th of May. :) Which will be paid in to my current account (Once I get one that's right for me) at the end of each month. I am already looking to save for a Mortgage and want to make the most of saving my…
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Abbey Super ISA
This seems to be offering 10%AER provided you put in the same amount or more into the Guaranteed Growth Plan. Is this as good as it sounds or have I missed something:confused:
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27k dilemma,Isa's,savings,stocks........?
After many home improvements, I now have 27k left ! It's in a bog standard Interest account earning about 4.5% or maybe less (I know I should know!) Partner & I always place full cash allowance in Isa's every April. (Still looking for best ones for this year and also would like to merge all our previous ones, if possible)…
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House profits??
Hello forum, Me and my wife have just banked the profits of our house sale (£120,000)in preperation for our emigration to New Zealand. We have put it in the highest interest web saver with Halifax for the four remaining months we are in the UK, splitting into two accounts, me and my wife. My comcern is the NZ exchange rate…
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savings accounts for children/toddlers. Will they affect my own total savings/rights?
Hi there, ok so I was thinking of setting up a savings account for my 3yr old son and newly born daughter to try and save for them in the distant future, such as a wedding for example. I was thinking of starting by just putting something like £25 or so per month into each of these accounts, although maybe starting it off…
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Nationwide changed the bond rate..
Hi, this is my first post after being a lurker for quite some time. I opened up an E-Bond with Nationwide yday at 6.40% and then log online today to find out that they've increased the rate to 6.60%. Do you think i have any rights to complain and see if i can get the higher rate? :confused:
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Where / how to transfer Virgin ISA ex PEP?
Hello folks, the title says it all really. I have a Virgin Stocks and Shares ISA (ex PEP). I would like to transfer out of this to another ISA. What I would like to know is does the fact that it used to be a PEP make any difference to the transfer process? Also can anyone recommend some good ISA's that I should look at.…
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Saving For A Wedding
I plan to save £400 per month for the wedding as i im planning to save another £400 per month for a house deposit in another account which an IFA is to tell me more about next week. Which account would suit me best? It must be accessible when i want it. Good rate of interest. No penaltys for withdrawls and can be linked to…
