-
Natwest Balanced Growth Fund
Hi, I've been considering investing in a 'Natwest Balanced Growth Fund' (as my current saving rate is diabolical), and have read good things about it (albeit from the Natwest literature). I understand that there is a chance for loss (as it is stocks, shares etc.) and accept that, but also expect the long term investment to…
-
Anyone here use X-O?
I've been using share.com for a while and found that while the service is good, commissions do make it rather hard (2.5% total frictional cost per buy/sell cycle). £6 flat rate sounds good, would put the percentage down to 1.7% for a 1k investment and 1.1% for 2k. Any complaints about their service? Hidden costs I should…
-
Random Interest question - forgotten account
Hi, as the title says a very random Interest question. My dad has just found out there was an account opened for him as a baby - but he's not too bothered about it and doesn't want it. I'm trying to work out how much (if anything) there would be in the account and if it's worth anything, get him to get his money!. The…
-
Trust funds - investment advice?
My late mother-in-law set up two trust funds for my children, now aged 16 and 18. The trusts hold £30000 each and will end when they reach age 21. One of the trustees is the solicitor who drew up the will and the other is a family member who is anxious to ensure that the trust capital is invested to maximum advantage. It's…
-
NEW: Inflation Tracker (Birmingham Midshires) Now 1.5% AER above RPI
This one slipped out quietly! Not an ISA product, but gives RPI protection to a non-taxpayer. Rate is RPI plus 0.25%. Note that interest isn't accrued, it's paid away from the account annually. http://www.bmsavings.co.uk/savings/index-linked-savings/682/5-year-inflation-rate-bond-issue-1.aspx
-
What to do with my current ISA?
I'm relatively new to this ISA business and need some assistance as what to do when April comes around. I have the max in my Barclay's ISA and really don't need the money now. Can I leave it in and/or add to it, or start a new one, what are my options? Will I still get both tax free? I searched around but can see nowhere…
-
Active Share Trading
In general shares increase over time (a huge genralisation I know but bear with it) but I have noticed many also fluctuate, sometimes quite wildly, from day to day, month to month. Are there any studies or does anyone have a view as to whether one is better off as a passive long-term holder or trying to buy/sell on the…
-
Choosing Child Investment Fund
Hiya, I've spent quite a bit of time over the last few days looking through options for investing for my children. I like the look of the Investment Funds run by F&C and Aberdeen. Obviously the emerging market options have performed better over the last few years. However, I'm in two minds whether to go for the more safer…
-
standard life share,sell?
Anyone know if it`s a good time to sell shares in standard life? or any advice at all?? thanks, N
-
Transferring cash ISA with annual interest
I have a Nationwide "e-ISA" cash ISA, which I opened last August. Interest is paid annually on 31st August. If I transfer the ISA to another provider before the 31st August this year, what will Nationwide do about the interest I am owed? When they receive the transfer request, will they calculate the amount of interest…
-
Overseas Saver
I am a British expat living overseas in Hong Kong, being paid in HKD. I have bank account in both UK and Hong Kong and wish to have a savings account, the trouble is the deals in Hong Kong are really bad and saving in the UK seems to have a higher percentage... I need some advice of what to do with my money for it to work…
-
Setting up Child Account for friends child
I'd like to set up an account for my friends newborn as a gift. Any ideas on the best account and best way to sort this out? Thanks
-
ISA has been closed without me asking - where has my money gone?
Just logged onto online banking and it says my isa has been closed. Have no idea why and where the money that was in it has gone.
-
What to do with £300,000
I am about to receive half a million pounds, once I pay off my mortgage I'll be left with approx £300,000 to invest. I'm 35, single, live abroad on a British Forces base and earn a very good salary - so have no need of an income from this additional money. I'd really appreciate some advice on how best to manage it. I'd…
-
Live Overseas, £10k to invest + regular savings. What are my options?
Hi folks, Long time lurker on MSE, but this is the first time I've had anything useful to add/ask so I signed up today! I used to be a debt adviser so it is great to read some inspirational stories from other members! I'm working overseas at the moment and trying to get the best return on my savings in the UK and I'm…
-
Investing in funds
Would it be best to invest £200pm split between 2 funds or 3 or 4 funds? just using £200 as an example. What if i had £600pm would it be better to split this between 3 funds or 12 funds at £50 per fund? I can see the advantage of diversifying etc... but i was thinking along the lines of fees eating any money up? especially…
-
CTF equivalent
I have a 2 year old who qualified for a ctf I have another on the way and just assumed that I could open one with my own money rather than a government contribution now that their contribution has ended. It appears though that without a government voucher you can't open one at all, as I'd like to try and treat them the…
-
Better to fix savings -1 year bond -or put it in instant access?
Hi, I have a 2 year bond maturing in early march that is currently with alliance and Leicester. The gross interest rate has been over 4% which has been pretty good. What would you advice when it matures put in a instant access paying probably around 2.8% or a 1 year bond paying maybe 3.15 My current inclination is to go…
-
FSCS Question
A hypothetical question (in that it doesn't affect me right now but the answer would be interesting to know) that I've been thinking about: Imagine you had about 60k of savings in a 5 year fix rate in Bank or Building Soc A, and another 60k in Bank B with similar conditions. If A and B were to merge, the combined amount of…
-
Credit Union?
Hi guys I am looking into Credit Union, and interested in joining up. Anyone else have experience with them? I like the way it is structured. is it a good way to go for savings and small loans if needed? Cheers Martin
