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NSANDI index linked matured
Hi My 3 year index linked bond has just matured . I will be reinvesting it.I put in £10000 and after the 3 years I got £11387 back .Was this a good return and if so what was the % rate of intrest I got Thanks for any replies :beer:
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One of the lucky ones
My parents know I have been saving very hard to gain a deposit for my first house I have managed to save £3500 in just over a year after leaving the armed forces. I was still some way from having a suitable deposit so they wish to give me 15K to help secure a mortgage does this have to be put as a gift and then become…
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Santander interest paid up front
Any thoughts on this new 3 year fixed bond account from Santander where they pay the interest up front ?
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3K to save- but where??
hi all im planning to save the money that ive been awarded from a PPI reclaim - i plan to use this to top up my wages when i change jobs to a better job - less money but better non unsociable hours - im a nurse! anyway ramble over - i want to put it in somewhere that i can add to it and enable monthly dd in to my current…
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How to Calculate Return on Investments with Cashflows? Time Weighted Rate of Return?
Hi, I would like to find a means to compare the return on alternative investments. From the little research that I have undertaken I think that the 'Time-Weighted Rate Of Return' might be best for my current investment (though I have been unable to find a calulation that I can use :embarasse). My situation is that I have a…
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Investment bonds .vs. standalone OEICs
Hello, I am researching investment bonds, such as the Aviva Portfolio: I thought understood how they work, in particular the 5% annual tax-free limit, but while looking into standalone OEICs I've got myself confused. As I understand it, with standalone funds you get an income in the form of a dividend - arising from any…
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Seeking Savings Advice for Buying a Home
I'm 23, and always wanted to buy a home. I recently got job with the perfect company, and hope to move up the ranks in a few years as I continue through college. So I want to save for a home but have some credit cards to pay off and a car loan.... I want to make sure I'm saving "X" amount of amount every 2 weeks so I don't…
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HSBC Global Investment Centre
Spotted this new offering while logging into my current account earlier today, and did some research. Then I thought I'd post my findings here in case anyone else spotted it. I should note that this is purely as a consumer, not in any way as an adviser. Basically it's a really simple OEIC/unit trust investment platform, by…
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IS THIS RIGHT???? isa`s please help
ok i have opened a new cash isa for this tax year £5340 with santander (2.81%) ..I also have a 2010-2011 old cash isa with £4032. the westbrom websave isa is ofering 3.07% and it accepts old isa transfers in, so can i transfer my old £4032 isa into the websave and still have the santander £5340 up and running (in the same…
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Yorkshire bank bonsd. Interest opt in. Annually or Maturity?
There explantions are <i> Interest options Interest Capitalised and Paid at Maturity Interest will be credited to the Account on the Maturity Date (unless you advise us differently) or when the Account is closed, if earlier. Interest will start accruing on the Deposit from the Commencement Date and will be calculated on a…
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Simple (Daily) interest or Compound ?
Any idea how you know how the interest on accounts (i.e fixed rate bonds) is accrude. I have looked and must be missing something as I have failed to find any advertised bond or cash isa advert that actually states how the interest is accrude....mainly just says "Interest paid at maturity". Which is one is more favorable?…
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What is the best way to invest £30000 please?
Hi I would like to invest £30000 and wanted some advice on what is the best way I could invest the money please. I would be happy not to have access to the money for a couple of years. Thanks
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Halifax WEB SAVER questions
Hi, i opened a web saver (2.8%) a few months ago, but have not used it at all, except for the initial deposit (£50). I've almost received some money i've been waiting for, will collect the cheque for £160k in the morning. I intend to pay this into a Halifax branch immediately. I've got an an ISA with Halifax with £21k, and…
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help me choose a savings account or isa
hey guys looking to open my first long term savings account/isa....dont have a lump sum to start with so we are looking to save £100 a month for 5 years...what are the best options available to us...dont know a whole lot about isa's
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Beware pricing 'tricks' when buying Unit Trusts
A few weeks ago I purchased a unit trust AXA Framlington Managed Income Acc and a number of Oeics a few days later. I think its the first time I have bought a unit trust. I noticed my profit was about 5% down despite obtaining the full 5.25% discount and the price increasing. At first I thought they had forgot to allow for…
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Calculating Daily Compounded ISA Interest
Am I right with my calculations based on the following balances on key dates into my Cash ISA: 06/06/2011 £500 22/06/2011 £1500 23/06/2011 £2500 02/08/2011 £3340 16/08/2011 £4340 14/10/2011 £5340 06/06/2012 £5340 Given that the interest rate is 3.35% Gross I've worked out that my interest on the 6/06/2012 will be £115.67…
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Buying farm land
Hello All. I am of the view that quantative easing to infinity (which is the BOE's policy) is going to destroy all holders of sterling. I want to buy agricultural land. I don't necessarily want to farm that land but to have it as an investment. I only have £50,000 to play around with. It is in cash and in low yeilding…
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Perpetual Income Acc Fund or Edinburgh Investment Trust?
I am debating whether to buy Invesco Perpetual Income Fund or the Edinburgh Investment Trust which is more or less a mirror investment. One attraction of the fund for me is that I can have accumulation units which means I am re-investing dividends immediately at no cost. A disadvantage is that I cannot see what price I am…
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what to do with inheritance?
Hello, can anyone give me advice? Im due to inherit around 95k when property is sold. I owe about £39k out on mortgage & credit card. My mortgage is a flexi mortgage & I owe 2k on 0% ( til April) M&S credit cards. Other than that I am debt free. Whats the best way for me to invest the money? Im a bit bewildered. Thanks in…
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Anyone want to introduce me to Cavendish?
Hi I am thinking of moving my investments (ISAs and pensions) to Cavendish online. Anyone have any experience of them? Seems like it will save me some money on initial and renewal commission. Also I think you get some money for introducing someone so pm me if you want to do this
