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Share Information Services
Another beginner question coming up! Hope the usual crew all turn up. I started subscribing willy-nilly to information sources over the web, including the highly recommended Motley Fool site. Today they sent a "special offer" of membership to their Champion Shares Pro group. It did sound interesting, and the returns look…
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Need to seriously start thinking about saving for long term future.
Hi everyone, I was hoping to get some of your thoughts about my saving plans for the long term. I have just left my job and am taking a couple of months out, before I start my own graphic design company. I am nearly 30 and I paid into my company pension for 2 years, and I will get £700 p.a off them at 65. I'm thinking…
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20 year old wishes to start investing for future. Best provider to achieve this.
I'm 20 years old and think I need to stop wasting every penny I earn on junk. So I have decided to put an end to this and start investing some money. I don't have any specific goals but would like to start saving now for for retirement. I don't think I am disciplined enough to save for retirement in a self select isa even…
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Moved abroad - saving options?
I've recently moved to New Zealand with my wife and we plan to stay here for a year or two at least. We have a house in the UK that we're renting out with a very low mortgage rate (tracking 0.17% above base rate - so currently 0.67%). We have recently come into some inheritance (let's say it's £10,000) and are trying to…
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Not a lot but what can i do with £500?
Been thinking today i have £500 in my ISA (Standard life @ 2.3% iirc), tbh its pointless for to have an ISA having that amount, another £300 and ill have my buffer but what im wondering is how to use the £500 i have?. Should i leave it in the ISA? Just get a normal savings account? Invest? Put some in things like premium…
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Investing Company Profits - Premium Bonds
I run a small business and theres quite a large amount of cash that is in the bank account earning 1% My accountant says I cannot withdraw this money into my own name as that becomes a 'loan' Does anyone know if i can invest this money in premium bonds? How would winnings work if they were allowed. Interest rates seem tiny…
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Shares - projections etc
To anybody who has seen my posts over the last few months it'll be obvious that I am just starting to get into this investing business. So far I am focussing on saving most of my monthly amount into growth focussed funds; but am investing £200 - £300 per month in some self researched shares (I say per month - 2 months so…
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Structured Products
Hi, I have a reasonable sum I am happy to lock away for 3-5 years and my IFA has recommended a structured product. Basically a great return if an index ends above it's starting point. I assume returns are after charges and if the selected index is lower at the end I get all my money back i.e no charges deducted. Does…
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Pension vs saving for a deposit
Hi All I have just signed up but have been lurking on the forum for ages. It is great to read other people's questions esp. since they often ask things I, too, have been wondering. I am not sure if this question has come up elsewhere or even if I am posting it in the right place. My question is this: I am in my late…
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Isa transfers
Can some please tell a novice, why some banks and building societies, do not allow transfers of previous Isa's. I thought the whole point of these institutions, was to get you to put your money with them.Why do they want you to save £ 5000+ with them by investing in this years Isa, but they don't want anymore of your…
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Does the UK have something similar to the Roth IRA or Canadian TFSA?
Is there a type of investment account that you can contribute taxed funds to, and let it grow tax-free, and pay out tax-free?
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Help with an old share cert. for a newbie
HI all Looking for a little advice. I recently found an old share cert. I'd forgotten about for Dragon Oil. Bought years ago in my 20's after a tip from a friend who said I'd make a fortune.. needless to say I didn't and the thing thing has been filed away until now. Problem is I know absolutley nothing about share…
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How long to open Principality ISA?
I sent the application and cheque off last Wednesday am. I called yesterday and they had no record of it and advised me to apply again. Previously I sent a form off to fix my previous Reg Saver ISA. After a week I phoned to be told the same thing. I sent another form off and then received 2 replys a day apart telling me…
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FX Trading
Hi - Can anyone tell me a good starting point, ie brokers etc to use to begin fx trading? Thanks..
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Building Society Advice
My building society asked me to see a financial advisor. The reason was that the interest rates are so low that they say they should be able to improve the return dramatically over five year if I was to arrange some kind of investment based on various low to high risk investments made on my behalf. There would be no…
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Towry Law & Edward Jones S&S ISA's
I have been advised by H&L of the following: Towry Law do not charge for asset transfers, however they only allow you to transfer as cash. Edward Jones, however, allowed stock transfers in the past but for a £58.75 fee per ISA. I am concerned that Towry will only allow you to transfer as cash. Are there any Towry Law…
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Old ISA money
A quick question. I have an old ISA with £3000 in not earning much interest. I want to put it in to a new ISA. However it doesn't accept old isa money. If I take the old isa money out first into my current account and then after a few days transfer it to the new ISA, how would the bank know that the money was old ISA money…
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Best Savings Account
Hi, looking for some advice here. I recently proposed to my girlfriend, and she said yes, and I'm delighted. Weddings are very expensive, so it's time for us to save up. We have about 2k in savings and are looking to add in roughly 1k per month though savings and rent money. What is the best savings account on the market…
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This year's ISA for me & the mrs
What should I do with this year's ISA allowance for both of us? Put some away in a cash ISA (paying about 3.2%) or go into S&S ISA but choose very low-risk funds (bonds, etc)? Over the years, which would prove better? I am sure the interest earned would be between 3-4% whichever I choose. But, I am looking for a safer…
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Endowments as a saving tool
Hello, I'm looking in to different ways of saving for small lump sum payouts in the future (over the next 5 - 6 years). A friend of mine used to save small amounts each month (£5 or so) in to a succession of small endowment policies to receive lump sum payouts in 5 or so years. My questions are; Is it even still possible…
