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DIY Stocks and Shares ISA
Hi everyone, I'm thinking of investing in a stocks and shares ISA through H & L via a unit trust. What do I need to know if I want to DIY? Can I simply make my lump sum payments and monthly contributions for 10 years+ and see where I get? Or do I need to closely monitor my investments and take pro-active steps? And could…
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Transfering my cash ISA
Hi, would anyone recommend me switching my cash ISA to this first direct one - http://www.firstdirect.com/savings/cash-eisa-overview.shtml Im currently with coventry paying a very poor rate. Ive put my £3,600 in this year. Is it straight forward to transfer from one to another? Regards
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Please Help Me...i've inherited my parents money what should i do
Hi everyone.. My parents passed away last year and left me,my brother and sister £40,000 each... my sister used her money to buy a house and also to pay for her wedding and the same goes for my brother...now for me im married and have 3 kids bought a house and have £20k left. My partner been made redundunt last august and…
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Child Savings Advice
Hi all, need some advice on savings for my 2 year old. She currently has £1000 in a CTF with Leeds Building Society - it is cash-based and currently paying something rubbish like 1%. She also has around £950 in a Natwest Child Savings account and gets £1.26 in interest each month? I want to keep two seperate accounts as…
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Northern Rock
Help....I was just about to put a large proportion of my savings into the new 3.7% 1 yr fixed rate bond from Northern Rock based on Moneysavingexpert guide that even funds over the £50k FSA limit was 100% guaranteed by the government. THEN yesterday read a news article from SKY news that the government was about to split…
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Annual vs Monthly interest-Northern Rock monthly much lower than others
We all know Monthly interest (when there is that option) is always a bit lower than annual, but Northern Rock pays consistantly much less for monthly compared to other banks/building societies. Example Northern Rock Fixed Rate Bond at 3.70% AER/Gross when paid annually is only 3.45% AER and 3.40% monthly. can't find an A-B…
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Ex has cashed in childs bonus saving bonds!!
We put the money in and was under the impression we BOTH had to sign before little un was 16 if we cashed them in....i was adamant about this at the time as were going thru a rough patch and she wasnt the greatest with debt and money. We both put ur signatures to the bonds However now divorced and 12 years down the line i…
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Sit on it or pay off mortgage?
We are currently trying to move house, we were lucky enough to get an offer of the full asking price within 48 hours of being on the market however we can't find anywhere that we like! We have just recieved some inheritance about 25k and not sure what to do with it. Should we pay off some of our current mortgage or put in…
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Share Ownership
Hi new to this site and need some advice. I bought shares 10 years ago in a company and then re discovered the certificate a few days ago. I moved after buying the shares and failed to let the company know. After checking, the shares have done quite well so I have tried to contact the company twice by email without a…
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List of linked banks
List of linked banks . Just wanted to say that grateful as I am to Martin for all his help, I was disappointed to find that the list of savings institutions ( very useful) is totally out of date. Ice Save and Kaupthing are still on it and no mention of Capital one being linked to theSkipton and these are just the ones I…
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Who are the best fund managers?
Who are the best fund managers, for unit trusts, over at least ten years? I've read a few times that today's stars are likely to disappoint (it's one of the arguments in favour of trackers).
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How to determine if you've saved enough to be a PAW.
There's an interesting equation in the book The Millionaire Next Door to help you figure out if you are a PAW, prodigous accumulator of wealth, regardless of your income. It is a really tough standard, but an interesting one. Here's the standard, it's on page 13 of the book of the expected net worth. Multiply your age…
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investment options for money in a business account?
What sort of investment options are there for a large amount of surplus cash in a business account? Are there any tax benefits by using certain investments??
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What are the signals to look for at 'resistance' levels?
Can any seasoned investors explain practically what to look for when an Index is approaching, or goes above, a ‘resistance level’? For example, if you read that an analysis is trying to determine the point of next correction and there is a key ‘resistance level’ at, say 5,500 then what are the signals that the experts look…
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Prinipality BS to launch 5 year bond paying 5.30%
5 YEAR FIXED RATE BOND Issue 150 launched on 24 September: A five year fixed term account with a minimum investment of £500 paying 5.30% yearly (5.18% monthly). Further additions whilst issue remains open. Earlier access on closure only subject to 360 day loss of interest, which is hefty, to say the least. But at the very…
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Is ING safe?
My husband has received a letter offering him a rate of 3.2% for a year and instant access with £20 credited to the a/c if he opens it by beginning of October. I have seen reports that ING is being investigated and wondered if it is safe to put £40000 in there. We will need the money in a year's time so this seemed a good…
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Beware Bank Phone Advice
I recently came into some money, about £71,000. This belongs to me, my husband and our two sons so whilst deciding how to invest it I opened an eSaver account with my bank, Lloyds TSB (interest rate 2.50% incl 12mth bonus). I then received a phonecall from the bank advising me to switch to an Advantage Saver account. I'm…
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How can I invest in the DOW JONES please?
I want to diversify my investments away from FTSE and GBP. Is there a low cost tracker fund which tracks the DOW? Ideally I would also like any returns to be in USD as I don't want all my investments to be in GBP. Many thanks!
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Selling sovereigns
Can any reader/contributor advise of experiences/recommendations for selling gold sovereigns? I inherited two full sovereigns and two half sovereigns and their entire life seems to have been stuck in a box for the last 100+ years waiting for the rainy day! I have decided the rainy day has arrived. Plenty of 'We Want Your…
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Investment Managers performance bonus
I have a holding in a large investemnt trust where the managers get a performance related fee if they better a laid down yardstick. If they under perform they do not suffer any deduction. This one sided arrangement seems to cut across present bonus thinking. Should this be a matter for the FSA to consider? Some investment…
