-
Savings Advice For On Ex-Pat
Hi! So glad I found these forums as I am in need of some financial advice in terms of savings! To paint the picture... My wife to be and I currently live abroad and are in the lucky position of being able to save around £1500 of our income each month. For the time being this money is being sent to a current account with…
-
Contributing to company pension or savings account?
Hi guys, I've been automatically enrolled into my employer's DC scheme and have noticed that they have made monthly contributions to it. I'm thinking of making my own contributions to this but not sure if I'm better off putting this monthly amount into a savings account? I mean, what is the benefit of a pension? Am I…
-
Does anyone actually keep their money at home under the mattress?
Hello everyone, sorry if this has been asked before but I have noticed that when you talk to older people? lots of them seem to tell you they keep their money at home and that they don't trust banks at all. Is it commonplace to keep money at home? I wouldn't think that was a very safe thing to do and I'd hate to think of…
-
Best corporate share dealing account for a few £5000 trades a month (incl. funds)
Share dealing account wanted for company to invest in both funds and individual shares. Average trade value £5000 I guess. A few trades a month. Possibly some margin trading, potentially using current investments as collateral, but that would not be a deal breaker.
-
Discretionary Trust
I'm looking for a ballpark number, what's an average typical cost - if such a thing exists - that I might expect to be charged from an IFA for setting up a discretionary trust linked to an investment bond?
-
Mis sold isa to pensioner
Can anyone please advise. My dad retired at 65, 10 yrs ago (yr 2000) with a lump sum of 18k. He had no private pension or savings. He was recently widowed. He turned to a high st building society for advice. They invested his money into 3 funds (isa investor, 3k: investment bond, 10k & bonus bond 5k=all linked to life…
-
uk small cap investment trusts?
uk small cap investment trusts?
-
What to do with £1000? I want to save/invest it...
Hi there, I've recently won some money gambling, and just above £3,000 in my current account now. I know for many people that won't be much money, but I'm quite happy because I'm able to splash out a bit over summer and my second year at uni, and also cover accommodation costs in London without having to do any additional…
-
is HL SIPP the best around?
I have held an HL SIPP for a few years now. Most investments are funds/OEICS. However, i wish to branch out and consider some holdings in investments trusts, plus allow my company/employer to make a contribution on top of my personal payments. Except dealing charges for trusts are high in my opinion with HL. I read…
-
Investing For Children
My 2 children are about to receive an inheritance from an aunt of about £15k each. They are 3. We have no idea where to invest or what vehicle to invest it into. They are not allowed the money until they are 21. Any suggestions?
-
best rate accounts
Hi All, I am looking to open 2 savings accounts both for children. 1 to have deposited £1900 1 to have Deposited £200 accounts to last only 1 year approx I intend to open these accounts with the above balances but NOT make any monthly savings deposits or withdrawls. Any suggestions
-
Performance fees
Apologies if this is a silly question, but maths is not my strongpoint. Is it possible to calculate how much a fund would have charged in performance fees over the past 12 months, as I imagine these are not included in the TER? I understand of course that by their very nature these fees are variable, but I am really trying…
-
what is the best long term investment 15 to 20 years?
Hi, I want to save for the future by saving each month for 15 years+ so where would be the best place to do it, I don't mind high risk so I am open to all suggestions. Keith
-
how do shares perform over long periods?
I was wondering what is the average percent shares rise over a period is time? Keith
-
My Savings Log
Inspired by one savings log on here I decided to create a log of my own to keep track of my savings over the years. Having paid off all my credit cards last year, I started a Cash ISA this tax year, it's the first ISA I have which I don't plan to touch and just keep adding to it. So far I have managed to save £2,500 of my…
-
are investment trusts an investing style?
are investment trusts an investing style?
-
My Santander Flexible ISA 3.3% Log
I wanted to create a log just of some of the transfers I do into my Cash ISA. This is the first ever time I have set up an ISA or a saving account. Just wanted to help keep track but also if anyone else wants to give me some info or tips. I opened a new santander current account also just to quicken tansfers in and out of…
-
Santander First Home Saver disappeared from website
Hi I just went onto the Santander website to check how much the inerest rate was currently at for my first home saver account that I opened some time ago however it seems to have gone from the 'reward savings' section of the website! Have they pulled the account?
-
SIP Deductions
Is there a HMRC rule that states the maximum that can be deducted under a SIP is £125 per month. If payroll get it wrong and miss a subscription one month, can they take 2 out the next month. Payroll have told me that it is a Revenue restriction and they cannot take the two payments this month. I've been looking and the…
-
Post Office savings account
I currently have my savings in a HSBC online saver but the interest rate is a disgusting 0.25% if I make a withdrawal (which I do). I'm currently making about 80p-90p a month on savings between 5-6k. So I did a bit of looking around and found the Post Office savings account with 2.97% gross for the first 12 months.…
