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Low cost tracker funds NOT in ISA/Pension ?
Hi. I have a 'legacy' endowment policy - no longer needed to cover mortgage (worst financial decision I ever made). Not a with profits etc. I want to extract the funds but don't really want to end up with the cash: i'd like to get it reinvested into some form of low fees tracker fund. I want to do this outside of ISA or…
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carbon offset
anyone have any thoughts on investing in the carbon credit market? do not have much experience in this field. also, anyone had dealings with a 'green alliance', based in london stock exchange?
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Santander ISA's
What does it take to get this organisation to acknowledge its made a mistake?. My 87 year old mother has an ISA with this "bank" and they deducted tax from one of the interest payments. After the fourth letter of complaint (no acknowledgements for the first three!), they acknowledged that tax had been deducted and then…
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Child saving accounts
Hi all What are best saving account at the moment for kids? I want to open up an account for my little on. My mum will be paying in £10 a month, no withdrawels will be made. Thanks
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Premium bonds.
Premium bonds. Is it true that the more people buy bonds the less chance you have of winning? or does it not matter since its random. in the middle of arguement with someone mm
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junior isa vs child trust fund
My 2 daughters have received £1000 inheritance recently and I dont what best to with it. My eldest is 15 and looking to go travelling in 3 years so doesnt need access to it for 3 years. My youngest has a child trust fund stakeholder with rbs. What would be the best thing to do for each of them?
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Savings advice
I am in a postition to be able to save £4,000 per month and not require access to this money until May 2021. What advice can anyone give to maximise the return in 2021 at minimum or zero risk to the accummulated funds.
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ISA or fixed rate savings account?
I currently have 70k in savings. - I have 5 years to sit on the entirety of this money, 2.5 of which whilst being a student/tax free. - The other 2.5 I'll hopefully be working a job earning around 25K. - I then hope to buy a house using all the money. I want to maximize the return over the 5 year period. I'm not interested…
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Index verses Tracker Fund - Which is better
By comparing a Tracker Fund and Managed Fund is it possible to work out which fund would perform better when taking into account the TER’s. When viewing the performance charts, the managed fund over 5 years has outperformed the tracker fund by some 17%. But which is the better fund? Cumulative performance HSBC American…
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Advice for an absolute novice please.
About 12 years ago I invested in a stock market ISA and did very well with a return of nearly double my money in 5 years, and now I would like to do that again (I know – probably impossible in this climate!), but I thought that as the markets were low (here I go talking about something I know little about!) right now, my…
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European alternative to Vanguard Index or ETF funds ?
Hello Everyone, I am looking for advice for cheap and most stable provider of selling US Index Funds and EFT's in Europe. If you know some experts in Europe or good European blogs which are able to help please advice. I want to start of building low cost long term portfolio as explained in books ''Booglehead Guide to…
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Halifax (HBOS) Shares still viable?
While clearing out I came across a letter from Halifax (dated 1997) that I had an entitlement to some shares that came from the merger back in 1997. From all the information I've been able to find the shares are no longer claimable (as of August 2010) but I was wondering if anyone had any other experience with this. Many…
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Risk Efficient Indices
I came across the idea of risk efficient indices on this site yesterday and have been doing some research. Essentially they argue that typically index tracking, which is based on market cap, is inefficient and often dangerous (dot com bubble, financial crisis). The indices aim to move towards the highest reward for a given…
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Halifax Junior Isa 6% and Scotland
The Halifax Junior Isa 6% that is available in branches is not available in Scotland as there is no Halifax branches I wanted to open an ISA with Halifax / Bank of Scotland and linked it to the Junior Isa at 6% but this is not available for Scottish I spoke to customer services and it's only available in England I don't…
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Newcastle BS interest incorrect for February
I posted earlier about FirstSave's interest being calculated incorrectly for February - same applies to Newcastle for the same reasons (leap year) - again two days interest short and they will be paid in March I believe Newcastle provide the customer service desk for FirstSave - there must be other links there as well…
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MSE Blog: The Power of MSE - we boost popularity by 16,000%
This thread is to discuss the MSE Team Blog The power of MSE — it boosts popularity by 16,000%! This is about the withdrawal of the NCBS fixed ISA, which was spotted on this forum and pushed in the weekly email Please reply to discuss
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Vanguard FTSE tracker or Lifestyle Fund?
Hello, folks, I've opened a S&S ISA with Hargreaves Landsdown and was looking for a bit of advice. I'm planning on investing circa £15k but am looking for a bit of advice. I want to be a passive investor for the long term in a fund/funds with low charges. After some research I have narrowed my choices down to the Vanguard…
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Investing in high dividend companies
I'm looking to further diversify my portfolio and one area i'd like to get into is an ISA in a basket of uk bluechips that regularly pay a good dividend (circa 5%) I'm not looking for income, just growth. This is easy via one of the many investment trusts that have specific funds for this sort of investment but i'm trying…
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Savings & Investments
I have never really had savings in my life. I've have some debts but are currently paying them off. I've cleared my rent arrears and I would now like to start saving for the future but I'm finding it very hard to do so. Does anyone have any advise of how to save. I've stopped things like eating out, going out, I've reduced…
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Cahoot 1 year (ish) fixed rate - 3.65% AER (min 25K)
Looks a good rate for anyone with 25K (the minimum deposit) looking for a 1 year(ish) fixed rate. Looks like the account term is to 1st May 2013 so just over a year (the account name '1 year fixed rate bond' is misleading) http://www.cahoot.com/cahoot_products/cahoot_savings/savings_account.html No additional deposits,…
