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NS&I index linked 5 year bond
Hi I have £15000 invested in a 5 year index linked savings certificate with NS and I that has just matured. I want to know if it is a good idea to leave this to continue on for a further term of 5 years. I notice that you can no longer purchase these and that they are only available for current bond holders. Advice needed…
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Should i ditch this long term bond (mutual society)
Hi all,, Way back in 1986 i signed up for one of those tax free mutual society bonds. The arrangement was that i pay £9 per month from 1986 to 1996 a grand total of £1080. There was an element of life insurance built into this but i think it was only active for the 10 year period. The latest statement shows that my £1080…
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Do I have enough to live off investment income?
Am seriously thinking of becoming 'economically inactive'. Can I do it?!? Age 47, single, no kiddies, mortgage free (just a basic 2-bed terrace valued at £100K, lowest band CTax), ISA/premium bond/cash savings about £200K, share investments maybe £25K. Three deferred final salary schemes would kick in at 60, 62, 65. Sorry…
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What to do with a large deposit for a few months
Hi, I'm just about to complete the sale of my house and will be left with approx £300K from the sale. I'm going to buy another house but won't complete for another 3 months and I would love some advice on how to make the most of my temporary riches. Cheers AJ
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Saving £1,400pm - what's the smart thing to do with this?
I'm in a lucky position where I've managed to clear all my debts and can save £1,400 per month which I want to use towards a desposit for a house in around two years. The thing is I don't want this money to be sat around in an account earning 2% interest and think there must be some way to make this work better for me. I'd…
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ISA interest calculator
I have a cash ISA with Santander, I know it's paying around the 3% mark p.a. I wonder if there is a calculator/tool that enables you to work out interest on a daily basis rather than waiting until the tax year ends? I went into a local branch and the clerk looked at me as if I were talking Russian when I asked her to…
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buying shares
In your opinion when does it become cost effective to invest in a single share. (Based on the current dealing prices on HL) Some people would say invest in funds if you only have X amount to invest, but i was looking to add a few shares. What would be the recognised industry minimum to make it cost effective?
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Investing basics
I'm completely new to investing, and would like to get to grips with the basics and the different types of funds and ways to invest. Are there any sites that anyone would recommend? Thanks
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Advice needed: Where should we save £68,000 for a few months?
We need some advice. In short, we will have £68,000 coming to us in the next month and hopefully we will only have it for a short time before it is used as a deposit on a house. How do you suggest we save the money? And now the full story. The OH and I have sold our house, whilst the sale is not complete we do expect to…
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Tesco bonds 5.2% 7years
Just seen this http://www.dailymail.co.uk/money/article-1354033/MIDAS-Interest-Tesco-bond-issue-offers-savers-certainty.html Never bought bonds before,wonder if anyone with good knowledge could advise on advantages/disadvantages that aren't highlighted in article. Also are they covered by FSA £85K gaurantee?
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Saving for my son - advice please
Hi folks. Me and my partner have had a son, who is 6 months old this month. I am the only worker in the house unfortunately, but we get by with help from child tax credits and what we have left from my wages after all the bills are paid. I am desperate to get some money filed away for him for when he gets a bit older so…
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What to do with spare £100-150 PM
Well first off, thanks for looking in :) I will have about £100-150 spare each month, this is money from overtime/on call which would normally be pee'ed up the wall so was looking to do something more useful with the cash . Not overly fussed if some of the money is lost, but not sure what my best options are, after reading…
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Student needs help- no idea about savings!
So yeah, as the title states, I'm a pretty clueless student. :money: (Aha that smily is pretty cool!) Anyway, I have been awarded a £1000 scholarship, and unlike some other students I know who are planning on spending it on booze and clothes and the like.. I want to do something sensible with it :-) I don't know much about…
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Time to fulfil a crucial promise...
Before the election, David Cameron said: "In order to help deal with Labour's debt crisis and help turn Britain from a spend, spend, spend society into a save, save, save society, it is time to abolish income tax on savings for everyone on the basic rate of tax, with top-rate taxpayers continuing to pay the same". Does…
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Should I join employer UK Share Incentive Plan?
Hi My employer has a UK Share Incentive Plan available to myself and I was wondering if it would be a good idea to join? How does it actually work and how beneficial is it compard to investing on your own? I have no previous Stock and Shares experience or investment knowledge so I feel as though I am taking a huge risk! Is…
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Where to save
I am in the process of paying up my mortgage and am looking to save the current repayments into a savings account £420 per month. Any suggestions please.
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How risky are Absolute Return Funds?
I haven't done a thorough survey, but the few sites I have looked at seem to regard Absolute Return Funds as relatively low-risk, or "cautious". I believe they try to deliver positive returns in adverse environments by short selling. But I doubt any advisor would recommend this strategy to the ordinary investor, so why is…
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ING and accessibility issues
I have a savings account with ING and am having problems with the PIN. I've asked for this in a different format and have been told this isn't possible. (my parents can't read the PIN and neither are sight impaired) They're internet only; so can't just go into a branch and get my money out that way. I am going to leave…
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Santander Direct ISA i6 ?
I have almost 30k in a santander Direct ISA i6 but can anyone explain to me exactly what Santander's blurb on their website actually means in English..LOL's...here's what it say's on their website.... "Manage your money online and enjoy fantastic tiered interest rates 2.75% AER tax free (variable) when you have 9k+ which…
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Aberdeen Latin America fund HL
What do you think about this fund / potential for market growth over the next 5 years? Would this be a good investment?
