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Want to save for a child without them getting til 21/25 yrs
I want to to start saving for my daughter, planning on putting in monthly contributions, estimate that there will be approx £30k by time they are 18. However I don't like the idea of an 18 yr old having access to this amount of money. I would like to keep control until they are at least 21 maybe even 25. Is there anyway I…
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Tax on a withdrawing from a Fund of Funds?
If the interest from a fund of funds is already being taxed, and you make a partial withdrawing, do you then need to pay income tax on the withdrawing? Hope this makes sense. Many Thanks.
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Halifax loop?
....I have tried opening a Halifax fixed rate websaver account (having aleady a web saver variable account) but when I tap in the opening button (re existing variable account holders) the screen keeps looping back to the log in page??.....any ideas....thanks ed:mad::mad::mad::mad:
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Best way to start saving?, Investing?, For a Noob
Well, Slowly but surely im going over all the guides, tips and tricks on this place. Please move this if i have place'd it in the wrong forum. Only having trouble with accounts' ISA's, investments ect and would appreciate some suggestions or guidance to the correct places, guides, products, so ill give you all the jist of…
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Halifax shares from floatation
As a customer, I was given a number of Halifax shares when it was floated over 10 years ago. Soon after, these shares were worth well over £1000. I've just come to check on there value recently and found they are now worth about £100. Is this right? I know the bank share prices have dropped recently, but to be worth less…
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Northern Rock guarantee
This was taken from the Northern Rock website !! I know there has been speculation if this was going to happen The Government guarantee of Northern Rock retail savings deposits remains in place. Given our good progress and the new bank’s strong capital and liquidity position, release of the guarantee will be reviewed by HM…
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best place for inheritance money??
Hi, my son and daughter will each get ? £20K To £25 soon.Apart from putting a £1000 or so in their current acc. to blow on themselves...whats the best way to deal with the rest?...I've advised them to hold onto most of it to use as a house dep. in the future.They are in early 20's....low wage earners. ....... should Isas…
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Can we lend money ...
Does anyone know what the rules are about lending money to our 22 year-old offspring who's still studying, being financed by a PhD stipend (less than the 15k needed to start repaying his student loan)and therefore not salaried/wage earning? What I don't know is ... 1 Are we allowed to lend money to him? 2 If so, is there a…
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Funds - buying and selling prices
Apologies if this has an obvious answer, but why do some investment funds have a fixed price for buying and selling while others have two prices (a higher buy price and a lower sell price)?
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First Direct share dealing or selftrade?
new to the share dealing world and have a few thousand shares in company i work for through a sharesave and reward scheme, and want to buy some more in anothe coupel of companies, i was going to use first direct as my offset mtg is with themand its £10 a trade, but lots seem to rate selftrade? Much difference in the 2…
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Pound Cost Averaging - but what do when switching funds
I invest monthly into Funds and put £150 per month into 3 fund, taking advantage of pound cost averaging. Over the years the fund have built up in value and some are underperforming and now wish to switch. Now if the fund is worth £2000, If I decided to switch to a new fund transfering £2000 lump sum would be bit risk if I…
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Having 2 - 3 funds in same sector good or bad
When I choosing funds say for £1000, rather than having one fund in say China fund, I choose 2 or 3 funds, say Jupitor China, Gartmore…
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abbey bond question
my dad has had around 60k in a (i think) 6% bond this has now ended. he also had around 20k in a easy access account. abbey want to put 70k into a bond for 12mths paying 3% and maybe leave 10k in an easy access account paying 2.75% with bonus. my question is can he put 15k into several bonds with abbey,then if he needed…
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Investment choices - what do you think?
After several weeks of research and investigation, I have made a first attempt at selecting funds to invest in. I will soon have £10k to invest into mine and my wife's S&S ISAs which are set up with Hargreaves Lansdown. I already have a £3.5k holding in Invesco Perpetual High Income in my ISA from last year. The investment…
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AA- try another savings institution- they're horrendous
Hi, I would just like to draw your attention to the fact that although I followed advice given to invest some savings in the AA… I must let you know as well as anyone else who will listen that they are the worst financial institution to work with (and I have banked, saved and used many different institutions). I have twice…
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Best place to invest £30,000
Can anyone advise ? I've got £30,000 I'd like to invest but its is likely that in the next 3-4 months I'll need it to put towards a new house. What are the best high interest accounts that pay the interest monthly and have no penalties when I decide to close ?:confused:
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AA online savings account
Hi, I have a dilemma, Miss Veg has her savings in the AA online account paying i think 1.85% gross per annum. I have just noticed they have launched a new account paying around 3.3% per annum, included in this is a bonus of 2.65% http://www.theaa.com/savings/savings_calculator.jsp Now we are currently living abroad for…
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Abbey 6% current account as a student
I know that you have to pay in £1,000 per month to get the 6% - which is not going to be a problem, as I could move money around every month. What I was wondering is - I currently get a good overdraft facility and student credit card with Nat West - Will I have to change accounts over completly, or am I allowed to have…
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share dealing with www.x-o.co.uk
Has anyone been dealing with http://www.x-o.co.uk/ for share dealing? They seem to be the cheapest out there (only 5.95quid per dealing) but when I googled x-o.co.uk I couldn't really find much information. Anyway can recommend them? cheers.
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Gartmore open offer
Does anyone have any thoughts on the Gartmore open offer https://www.h-l.co.uk/shares/gartmore Seems interesting
