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Fund Distributor comparison
I'm currently with Fidelity but believe H & L to be better/cheaper. I want to compare the charges for Fidelity, H & L and Chelsea but am finding it difficult to sort out the charges on these three sites. Can anyone help? Thanks, in hope.
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Equity Income funds
What views do people have on holding UK equity income or UK equity income and growth funds (as ACC option) within a pure capital gain portfolio? Do they offer anything that funds selected from the UK all companies sector don't
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Lloyds ISA question
Hi Just cliked on my internet banking and clicked on my Lloyds ISA. I have just looked and now the new tax year has started it says "Taxable allowance remeaining £5,100" How come it says Taxable? I thought they were and remain tax free
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HSBC World Selection
I was hoping you guys could tell me your thoughts on the HSBC World Selection program. I have never tinkered with managed funds before and I was wondering what the consensus on returns are and how well the fund is performing, whether the commissions are excessive etc Thanks.
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Is a Million Pounds enough to retire in my thirties?
I am in a very fortunate position where I have built up a business that would hopefully make me a million pounds if I was to sell up to a big plc that have expressed an interest in doing so. As I am only in my thirties, how much interest per month could I make after tax? At present I could live on £30,000 a year (or better…
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£40k savings - where to put it to maximise interest over 6 - 12 months
Hi, thanks to some crazy savings over the last 3 years my partner and I finally have £40k in savings. Combination of taking 2nd jobs, budget holidays, no going out, selling motorbike & selling 2nd car, paying off all credit cards and ripping them up, getting a lodger, and so much more ... basically trying very hard to be…
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Cashing in NS&I Capital Bonds - Crossed Warrant??
Have just decided to cash in my NS&I capital bonds to buy a car...sent off the form last week with bank details etc. (I'm with Barclays). Just spoke to them, obviously there's been some delay because of Easter, but they said the "crossed warrant" is dated for tomorrow, so will be with Barclays then, then it's up to…
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Best Investment Tools & Resources – Websites, Apps, Software etc
Hi, I’m just about to set out along the investment path & will be buying some stocks & shares. Can anyone recommend any good resources or tools for tracking, monitoring & reporting on the stock market. Are there any good Apps, Software, Websites, TV Programs, Youtube Channels, Videos, Books etc. worth checking out? Up till…
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Friends Provident MVR's
Noticed in Sunday Times that Friends Provident has removed all MVR's on it's unitised With Profits Bonds. Great news - lets hope other companies do the same soon!!!
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Lost savings interest - warning
I've posted this in another thread but thought I would put it here as a warning to others. We sold our house last year and were forced into rented. I split the money between various savings accounts and opened a Sainsbury's Savings account at 3.3%. I understood that you couldn't make any withdrawals otherwise the interest…
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what is a rational percentage to save
İ seem to be on an irrational saving purge in life--i save about 66pc of my net income-and have done so for many years--i have all my bases covered it seems but i am hell bent on this exagerated course--my wife and daughter 'suffer' because of my pre-occupation with saving --what should be my rate of saving?----i am happy…
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Halifax reward account
Can you move money from that account to another in another bank per month over 1k then move it back again to qualify for the £5 per month Thanks
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Sold our house - using the cash for retirement; thoughts please
We've just sold our house and the money we getting will be the major part of our retirement fund as we are both on the brink of retirement age and have already stopped working. Hopefully we'll net about £500k+ and, as we will be living on our boat at least for a while, we need to invest this cash wisely to keep the capital…
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Lloyds/TSB ISA offer 3.3%
Just to say I was told this offer has a 160 day penalty for early withdrawal, it is actually only 90 days according to the details I received.
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Confused about savings!!
Hi, I really need some help with what to do with my savings. Ive got £5000 as a lump sum for saving and want to save a further £500 each month. Ive read all there is to read about (e)ISAs, (e)Bonds, Regular Savings etc and now Im even more confused than when I started. If anyone has any ideas they would be gratefully…
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bank shares
looking for a bit of a gamble. i fancy £1000 each in rbs, and Lloyds for about 6 months. am i mad?
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Saving for my God-daughter
Hello all! One of my best friends through uni recently made me the godfather of his baby girl. I'd like to start some kind of savings account for her so she'll have a bit of a lump sum when she's older, but I have absolutely no idea what. Can I open a Child Trust Fund for her? Are there any other appropriate means of…
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New to saving
Ok this is my first post on this subject on any board so please bear with me as i have never had money to save, only paying off debts. I will shortly be inheriting a reasonable sum of money 100 - 150k, i have debts (credit cards and loans) totalling about 4k and will be waving these goodbye at last. Question: What do i do…
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Fixed Rate: How long would you advise is "too long" at the moment?
From what i understand: Fixed rate: you take out an account for x% over a course of x-months or x-years. If by the time that course has finished, the rates are lower or equal to what you took out, then you're quids in. If they're higher, you've lost out With that in mind, what would you personally advise is too long a…
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Shares ISA Query
Hi, If I open a Stocks and Shares ISA online tonight (I know I've left it a bit late!) will I be able to use this year's ISA allowance even though I won't be able to deposit the cash into it until the next tax year (after the direct debit has been set up, etc.) ? Thanks
