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ISA - Question
Hello everyone, I'm a complete novice in the world of savings and just wanted to ask, perhaps stupidly, if the ISAs work by adding each year to the ISA you already have and thus each year getting a larger amount in interest due to the increasing size of the lump sum you have saved. For example: Last year I saved £3000 at…
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daily fund prices
I have bought a few shares in the summer sell off and want to start investing more of the cash I have. However I do not want too many individual shares and some of what I would like are not cheap anyway. So have decided I should go down the route of a mix of funds and probably investment trusts. FirstlyI have been thinking…
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Saga 4.2%
Has anyone been onto the site and clicked apply to for this account. The link appears to take you to the paperwork labelled up with the old 4.0% rate - anyone else getting this????
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Which other fund/tracker should i add?
Hi guys Im currently investing monthly amounts in the below funds long term and thinking of adding another to the list at £100p/m through HL. Currently all these have high charges so thinking of going for a HSBC tracker..is this a better choice? Willing to take some risk and holding 5yrs+. Aberdeen Emerging Markets…
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Nationwide Platinum Card
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What is my next step?
Hi guys, thank you for taking the time to read this and also apologies in advance if this is in the wrong forum but I could not find a better match. Just to give you a bit of a back story, I got myself in a fair bit of debt when I was younger (I'm 28 now) to the tune of about 10/11k I guess all told. I consolidated my…
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Book for my 13 year old son
Was surprised when my 13 year old son came home with a book from the library called: How to Read the Financial Pages I asked him why he chose such an 'adult' book His answer was: "If I am going to run my own business - I need to know this stuff" I admire his attitude BUT I think this book is way too advanced for him -…
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pay mortgage or save in ISA
Hello any help appreciated Mortgage £60000 2.5% Isa Rate 3.1% Mortgage interest comes off my income tax on rented house Should I pay of say 10k of mortgage or put into isa also would it make sense to take money from the from the mortgage and put in isa The mortgage is flexable Thanks Paul
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Stock Market Low?
Hi all, I'm new to the forum but find the threads an posts very informative. My own question is what is the collective view of how low, or at least when will the current decline in stock markets bottom out? It's a totally selfish question as I am looking to make some investments from a small windfall of cash and see…
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Managed Fund to Tracker Fund transfer
Is it possible to drip feed a stocks and shares managed fund Isa into a tracker fund Isa to save on charges?
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Saga Fixed rate savings
Just opened a 3 year fixed 4% with Saga last month which was withdrawn this week (heres me thinking just in time) then they go and bring out a 4.2% 3 year fixed rate today. So much for doom and gloom on the savings front. My 5 year 5.1% (3 years to go) was still a good move I think.
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I need ur Help with my saving :"(!
Hi :) I'm 20yrs old guy from the middle of the Arabia I had a car accident in 2009 and since that i have a handicapped leg and i'm walking on sticks and i stopped studying since the accident *and Know *this is my *first week at *College of Sciences and Humanities -English language after 2yrs *""Finally"" !! Because of my…
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Giving to Grandchildren
Mum is thinking of giving £10k in premium bonds to each of her three grandchildren. Would there be any implications of inheritance tax etc. It would probably be below the current threshold anyway but what else does she need to be aware of.
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Average Stocks and Share ISA loses 12.2%, hows yours doing?
Found this research interesting that claims an average Stocks and Shares ISA valued at £10,000 (from start of the year) would have lost 12.2% in value and now stand at £8,788. (Source: http://www.investoo.co.uk/average-stocks-and-shares-isa-loses-12-2-since-start-of-year/ via moneyfacts) Has anyone managed to beat the…
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10k easy access
Any ideas for the best option of where to throw 10k but must be able to have access to it through a bank if required? Not Barclays though as they have terrible customer service. Thanks Ps already got full Isas
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Dealing with estate, shares etc.
Hi everyone, Im dealing with my late father in laws estate and have found some share certificates, nsi bonds etc. However some are cashed some are not. Is there an easy way to find out what holdings he had or is it a case of going through everything and also i am right in saying that shares can only be redeemed with the…
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Automated savings - how to invest £50 a month?!
I am keen to establish a regular savings plan and automate payments into a savings plan as soon as I get paid via standing order. Initially the amount invested is only likely to be small (circa £50 a month), but I will look to increase this as my debt reduces and I make savings in other areas. How and where would you…
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Allied Irish Bank (GB)
My dad is thinking of putting a largish sum into AIB's 1 year bond which is paying 3.40%. He is a non taxpayer. Has anyone experience of what they're like to deal with? I know there was a bit of a problem with Irish banks and I'm not sure they are covered by the compensation system. I suppose as they are "GB", they should…
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MSE News: Respite as FTSE rises slightly
This is the discussion thread for the following MSE News Story: "Shell-shocked investors were given some relief today after the City's worst trading session in nearly three years ..." Read the full story: Respite as FTSE rises slightly
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Fscs
I have savings with B&B, Alliance & Leicester and Abbey which all now form part of the Santander group. Does that mean I only get one lotof £85k protection or do I get three lots? Also I have personal savings with them and also savings under my company - are personal savings and company savings treated separately? Any help…
