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ETFs and monthly investment
Is it correct to assume that ETFs isnot a good idea for someone who wishes to invest on a regular basis (monthly) and only a relatively small amount (£50-200/month)? Many thanks
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Index Linked Savings help.....
Is there a way to work out how much £37500 would be worth if it was put into inxed linked savings 12 years ago with all of the interest applied? a rough estimate will be sufficient...
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Beginner alert: What portfolio software do you use to keep track?
I'm looking to get into buying some shares but was wondering : 1. Which broker do you use? Are all of them roughly £10 per transaction, is there anything to look out for..I'm thinking of doing everything with iii. 2. Does everyone have any software to keep track of the shares they own, or programs to help make investment…
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numerous independent financial advisor sites share cloned text - what does this mean?
If you search Google (with quotes) like this: "with execution only being the cheapest and discretionary the highest" ...and scroll thru a page or 2 of results... you will find numerous different IFA sites using the same identical cloned page. Does this mean they might be fake operators? :eek:
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advice needed for newbie
:huh: i'm due to get about £50,000 from my father, i intend to pay off my mortgage and a few other minor bills leaving me about £15,000 to invest, i'm looking for somewhere to place my lump sum but want to add to it by about £500 a month, i dont want to touch it for at least 3 years i just want to let it accumulate, can…
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Problem having too much money!!
I am looking after my mother's finances now that she is in a nursing home. I sold her house for £350,000 and am trying to work out where to put her money. To keep it under the guaranteed amount of £50,000 this means putting it in 7 different banks. This takes a lot of time working out the rates, what sort of account it is…
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1, 2 or 3 yr fixed OR NSI Index Linked Certs?
My mother is 78 with all monies in either Cash ISAs/Savings accounts totalling £60k+. She now has a further £20k to find a place for. we are considering £5100 in the M & S Fixed ISA for 3 rs at 4% but unsure whether to place the remainder in the NS Index Linked Certs or a 1 2 or 3 yr fixed rate bond where she can get…
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advise needed on new Isa please
We currently have a very small amount of money in Barclays Isa Gold which paid just over 2%... ie £336 which has only been in there for 2 months. The question we have is..... we are going to open the new Gold Isa 2 which pays just over 3% Should we withdraw the £336 out of the original Isa account and put it into the…
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Aviva with profits bond
Can anyone advise me please? My mother has a with profits bond with Aviva, which up until now has given here a nice little extra income of approx £150 per month. It has now dropped to £50 per month!! She feels that her money might be better elsewhere but it is a 5 year bond opened in may 2007. She stands to lose quite a…
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Inheritance coming my way
Hi all, due to some very unfortunate circumstances me and my three brothers will be left a house to sell and also about £20k to split between us, I am currently living in rented accomodation with my 20wk pregnant Fiancee, we have about £5k - £7k debt between us which is slowly being paid off by Debtline, I also have a car…
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Coventry not paid last months interest into my current account.
I opened an account with Coventry BS and all paperwork is in place for the interest to be paid into my current account on the last day of the month. I have received nothing so far. Cant wait for Tuesday to talk to them about this - good job I have no standing orders being paid out in the beginning of the month or it would…
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abbeys stocks and shares
abbeys stocks and shares im paying thirty pounds amonth into abbeys stocks and shares on my last statement id made a about three hundred pounds after ten yrs should i carry on or cash it in and would i lose out by cashing in:A:A:A
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Interest Payments
Hi There I have noticed that some Banks change their Products fairly regular. ie 12 months ago the Allinace-Leiceste,r had a savings product called onlinesaver issue 4 1 year on they now have onlinesaver issue 7. With different interest rates (variable) for each one. When calculating the interest, some Banks pay either…
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Investing Shares
I recently left a company that had a share reward scheme where you buy one share and they gave you one free subject to a minimum holding period. On leaving, I paid the tax bill (as they were withdrawn before the minimum holding period) and now own the shares in a nominee account. They have a single company ISA account…
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Halifax ISA add sticks in my throat
The new TV adds from Halifax really stick in my throat. ISA's are seen by many as the first port of call for their saving due to the Government tax incentive. Halifax were one of the first to rip interest rates down to next to nothing knowing that many feel confidence that there savings are best in an ISA. 0.2% for…
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C & G shabby? Tactics?
I have no idea if I will succeed but I would like fair compensation equal to lost interest. I have an 85 year old aunt. For the last 2 years she has suffered from dementia. She has no clue about her own money any more, but since I have Lasting Power of Attorney I manage her savings and investments. I have been writing for…
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Best to have all money with one Bank?
What are the pros/cons of having all your accounts with just one Bank/Building Society? At the moment I am divided between Natwest and Nationwide but thinking of moving everything to the latter just to make everything simpler and more streamlined. People's thoughts?!
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ICICI expire unused logon id passwords after 180 days - why ?
I hadnt accessed my ICICI account for more than 180 days and found that my login ID password expired so i am having to chase ICICI for a new one. This is complete madness. For example ICICI offer bonds for long terms and many people may start up such a bond and then do nothing for years until it expires. Also if your…
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Oops - over limit
earlier this year 2009/2010 i took out a £3600 cash isa. I forgot i had done it and now i have taken a new stocks and shares isa with Fidelity which uses this years allowance (China Special Situations) which launches next week. It was my mistake - what are my options? I dont intend to but what happens if i do nothng?
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Question on TERs for tracker funds
I was going through the IMA's database of index tracker unit trust. When sorting the funds by TER, some that come near the top (i.e. the ones with the lowest TERs) are a series of HSBC funds with TERs ranging between 0.27 and 0.29%. However, these appear to have an annual charge between 0.5 and 1%. How can they achieve…
