We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Savings & investments

Archives for September 2009

Alliance & Leicester Online Saver Issue 6
http://www.alliance-leicester.co.uk/savings/online-saver.aspx 3% instead of the previous 3.15% offered by Issue 5. Other conditions as before - a minimum initial deposit of £1,000 but the balance doesn't have to be maintained at that level. The interest rate page refers to the rate being from 1st October 2009 onwards.…
Which one, A&L 3.15% or ING 3.2% for drip feeding?
I have some savings I'd like to drip feed for the next year into RBS, Halifax & Barclays regular savers over the next year. However what I'm wondering is would it be better to store the stash in ING for the marginally higher rate (I'd make about £15 over a year more like for like), or will this be cancelled out by annoying…
Where to put my savings?
Hi everyone Over the last year I've saved about £4000 in a Cash ISA with Scottish Widows. However the interest rate is now terrible and I'd like to move my savings somewhere else. Obviously I can't put it all in another cash ISA because its too much to put in in one go. I've thought about maybe splitting it and putting…
Where should I save my Money?
I have about £5000 to put into a savings account and can make payments of about £200 a month. I'm a student so don't think I get taxed (maybe wrong). Although I may need to make a few withdraws a year. What is the best rate I can get at the moment? Or where would you recommend putting my money? ISA etc? Is it worth waiting…
Investec High 5 poor value?
I've got an Invetec High 5 account which I thought represented a reasonable interest return when I opened my account in June this year. Got a few fixed term bonds maturing so being offered different period savings to reinvest funds with existing banks etc. i.e. AA 7.21% bond offered a 2 or 5 year deal at 4.27%/5.03% for…
Citibank - how do I get through?
I have received my card and password for a Citibank savers account but just cannot get through to register the card - and so deposit funds. Is anyone else having this problem?
Spread betting question
I've got a trial running on the iii demonstration of spread betting. Not real money ....... phew! :rotfl: I understand the spread and have opened 3 positions (2 to go up, and 1 to do down) but I am struggling to understand why my "Trading resource" (or balance of account) has had a margin deducted. The figures are: Cash:…
Loosing money - no diversity - Help required
I currently have a Standing Order of £50 a month going into a CIS UK Growth Trust ISA which looking at a recent statement has lost me about £800 in the last 12 months I think. I have been looking at cancelling the S\O and possibly going with H+L instead and giving them my future payments, but what should I do with the…
How to get real time market information?
Is there a website that gives access to real time information and reports about what is moving the markets? Not just the actual indexes, I'm interested in what news is moving them. I know Bloomberg for example has the economic calendar, but sometimes I watch the index, then I can see a sudden move up or down, but not…
MSE News: Icesave compensation and Isa deadlines loom
This is the discussion thread for the following MSE News Story: "Savers who had money in collapsed Icelandic bank Icesave have just over two weeks to claim compensation or risk losing their money for good..." Read the full story: Icesave compensation and Isa deadlines loom
Friends Provident With Profit Bond
We today received the annual statement for our FP With Profits Bond which we've had for a number of years. It hasn't performed particularly well and have left it uncashed as for a while it had an MVR on it. I notice from the statement that FP say they have added an extra feature in that "you now have an option to switch…
Special needs trust.
Hi, I was involved in an accident at work a couple of years ago which effectively ended my career. I was a self employed HGV1 owner driver. I suffered neck and back injuries.I was told to stop working by my GP. The loss of my business has incurred debts amounting to 15k+. When I depleted my savings I made a claim for…
Any reason to keep my savings in my ISA (Nationwide)?
I am currently saving for a gap year/career break (departing January 2010) and have my savings divided between a cash ISA and a Esavings account with Nationwide. I've just noticed net interest on the Esavings is 0.36 % (gross 0.45 %) and gross interest on the ISA is 0.35%. Am I right in thinking there is no reason to keep…
Where To Put My Student Overdraft?
Currently, Halifax have given me £500 student overdraft, interest free - this is mine for the next 5 years at 0% interest and is due to raise over the next few years (probably up to around £3000). Where would you invest this money for the best possible rate? I would like some access to it but dont think I will need it.…
Cheaper broker for International share dealing e.g. Canadian shares?
Hi, Can somebody guide me finding a cheaper share broker which allows dealing in international shares as well, particularly canadian shares? I contacted few US share dealers, but they don't allow account opening by non-US residents. Few UK brokers charge annual maintenance charges and for infrequent investor like me, it…
how do you calculate interest you receive?
Hi newbie here, I have £3000 Isa full etc so i can put it in natwest regular saver £250 per month @ 4.00% net or lump sum in fixed Barclays bond for 1 year @ 2.00% net How do i calculate interest on both accounts :confused: Thanks
AXA Elevate Pension Investment Account
My IFA wants me to transfer my 3 separate pension funds into Elevate. Does anyone know anything about Elevate and if this is good advice as I assume there will be charges for moving? I will be 65 next year and haven't decided whether to buy an annuity or live off the tax free amount for a few years.
Best Plan for Saving
Im 22 and have never saved any money in my life. :confused: However I want to start. Where is the best place to put my money? Im looking to save £150 - £200 a month from my pay. Thanks in Advance!:j
Isa or Direct saving account
Hi all Im new to all the diffrent types of savings accounts and such so im just looking for advice. I have a HSBC current account that allways has more than £1000 and in the last year its never gone below that so I was thinking I should stash it away for awhile. I going to need to be able to drip feed money in (£50-100…
What's the best savings account for me?
Hi, I wonder if any one that knows more than I do could give me some advice? I've just filled up my ISA for this year and now I want somewhere to save the rest of my money. I don't have a lump sum to pay in yet, but will be hoping to pay up to £500 each month into savings. I want to get my own place soon and so in the next…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Savings & investments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Savings & investments

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free