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A & L guaranteed capital plus
I've just been offered a A & L guaranteed capital plus, I have to tie up my money for five and a half years it offers maximum return of 26% with min of 2%. 26% of original investment if FTSE 100 index has increased by any amount (commencemnt date 10th march 2009) 2% if FTSE goes down or stays the same the starting level of…
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Old bristol and west savings account
I have just found a old savings pass book with the last balance entry in it dated 1985!! only had 1 pound in it when i last used it. i understand it has been taken over a couple of times since then by bank of Ireland then Britannia. i rang Britannia and they said it did get transfered over but the account is "non…
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10 years of hard saving for a house, what should I do now?
I've been saving hard for a house from my early 20s and have about £30,000 sat in a bank. Interest rates have dropped, I'm getting about 2% on about 20,000 pounds, the rest is in ISAS. Reading the forums many people say to hold on buying a property. I'm worried with the way that the pound is going and the government is…
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Gift of shares to wife
Hi, I currently hold a number of shares from a sharesave programme I was involved in at work. I believe that I am able to gift these to my wife to enable us to both use our capital gains entilement for the year. Does anyone know how I can do this? Scott
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What happened in Russia when the Government wiped out savings?
I was vaguely reading some 'info' (advertising I think) about investments vs savings, and the economy. There was reference to a recent period in history (90's I think) whereby the Russian Government wiped out the populations' savings.... Anyone know what this was about please?
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How to cash cheque payable to 3 persons
My husband and i invested in a 10 year max investment plan which has just matured. We paid into it over the period, and made our son who is still under 18 the beneficiary in the event of our deaths. My brother was made a trustee - should we die. The company we invested with now insist on paying the cheque to the 3 of us…
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What is good easy to use first time online broker?
I'm looking to buy some shares for the first time. Only about £200 worth and was after advise on who to use. I bank with Natwest so opened up an account with them but they charge £15 per trade plus £10 a quarter. Is this a normal scale of charges?
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Hopeless at maths! Can you help?
:confused: I have just had a one year fixed rate deal with Anglo Irish mature (phew!) but am disappointed with the interest amount. It was for £15,000 at 6.75%. I was expecting £1,012.50 but only received £807.78? Can I appeal to those with a better maths head than me to explain? Thanks!
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offered company shares?
hi guys, i've been given the option to buy some shares with the company i work for which is alstom power, the shares are currently trading at around £37 and i have been given the option of bogof but it would mean that i am locked in till 2014. does anyone have any advice as i'm not to clued up on shares.
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Student wanting to start saving.
I'm currently in my second year at university, and have decided I need to start putting some money aside before I waste it all away. I have no idea about savings at all, have just tried doing a little bit of reading up but it's going straight over my head. I am lucky, I'm still living with my parents, and they won't take…
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I'm totally confused with savings accounts!
I have just won £6000 :j :j and want to put it in a high interest savings account, but am so confused by them all! Any suggestions? :confused:
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Unclaimed shares in Standard Life
Hello everyone, not sure where to go from here but thought I'd post up and ask on these forums to get a bit of advice first. Basically a few years ago I had a pension with Standard Life through a company I worked for, having changed employers a few times since then and not bothering to keep my pension going I kinda forgot…
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Saving for my sister
Hi all I would like to put some money away for my sister, only if i give it to her she will spend it, is there anyway i can open up an isa account in her name that she will know nothing about until she is ready for it. She wouldn't even consider opening an isa for herself so i know i will be ok to open one only does she…
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What is 'Source of funds'?
My daughter applied for a Post Office fixed rate bond but because she did not state the 'source of funds' within 28 days they refused to open the account. Her payment was a personal cheque from her Nationwide account. She assumed the source of funds was her Nationwide account. My question is what should she have told the…
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Coventry 4.1% bond (3yrs)
Coventry Building Society has a members bond out: http://www.coventrybuildingsociety.co.uk/savings/anniversarybond.aspx You have to have been a member for 5 years and it's fixed until 30th April 2012. Investment is limited to £5,000 or £10,000 for a joint account. Interest can be taken out monthly. Personally, I wouldn't…
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Capital Protected Bonds
We have been recommended by a financial advisor to invest in a Capital Protected Bond. These are investments that work as follows: should the market drop we are guaranteed our lump sum back at the end of the term with no loss. But if the market is high then we get back our capital plus whatever the market has made, however…
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Decent Looking Account?
I was looking at the following fixed rate bond and it looks rather good at 4.10%, I have two questions regarding it: 1. Is the bank backed by the compensation scheme? 2. If withdrawls were made from this account before 1 year was up what are the penalties? http://www.bankofcyprus.co.uk/default.asp Thanks
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Are RBS shares worth a punt?
Looking at around 25p per share. Are they worth a low level investment or is it best to steer well clear. Invested in Barclays a week or so ago and currently 100% up on my investment. Any chance RBS could possibly go up to 50p in the near/medium future?
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Variable bonus rates?
Hi, Just looking for an instant access savings account, and I note that most have bonus rates applicable for the first year. I am happy to shop around again in future when the bonus expires, thats no problem but most of the bonus rate are 'variable'. Does this mean they typically drop the bonus rate to something low…
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Anyone heard of 'Nucleus wrap', any opinions?
Hi, thanks for reading. My husband and I have received some recommendations for a couple of investments from our IFA. The investments themselves seem reasonable, however he has suggested that we put them in a 'Nucleus Wrap'. He has spent a page or so explaining what it is, but I just wondered if anyone had any opinions…
