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Simple Tranfser Question
Hi I know this is probably a really stupid question but I've never transferred an ISA before. I currently have a fixed rate ISA with Santander which has most of this years allowance used (£30 left) which I want to transfer to another provider. My question is how do I transfer without losing the interest on the existing…
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Yet More Problems With Selftrade
During my time with Selftrade (joined August 2007) I have had many problems. The latest of which is that on attempting to trade in all bar 1 of the 20 or so funds I currently hold in my Stocks & Shares ISA, I am presented with the following error ... "<Fund name> We are sorry but the fund document is not currently…
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Children's Accounts
:mad: The Co-operative Bank = 1 out of 10 for interest rates on Childrens Accounts. Can anyone recommend a good account, that doesn't reduce the rate to ~nil? Thanks. On the Co-op website it states "Both the Bonus account and Future Fund pay good rates of interest" The interest rate they actually pay is effectively 0.25%,…
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Buying shares help/avice
Hi, i am looking into investing in shares in a few companies in the top 100 voaphone, glaxosmith k and a few others. i have looked over this forum and done a bit of research and understand there is numerous ways to do this. what would be the most efficent way as i would be looking at putting between 100-200 per month into…
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NatWest E-ISA (Pre-15/5/09 Accounts)
Members of the forum who have a NatWest E-ISA will recall that there were two sets of banded interest rates for this account quoted on the bank's website. The set applicable depended on whether the account was opened on or before 14/5/09, or thereafter, the latter attracting lower rates. This layout was shown in full until…
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Fixed rate savings bond ending
Previously on 2.9% with First Direct and new one is 2.5% for the year. Will have £8k to reinvest. I see they do a regular saver account at 8% with maximum payments of £300 per month for 12 months. Would it be better to put £3600 of the 8k into my current account to pay for the regular saver and the remainder back in a…
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Can you escape the with-profits bond trap?
With so many With Profit bond approaching their ten year anniversary this year and next, people should be aware that there could be an escape route from them thus avoiding their rip off MVR which can be as high as 20% plus. Here are two links for articles that explain the escape route, but it only applies if you have one…
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£25,000 in cash - what to do?
I hope this is the correct category for this query, mods please move if inappropriate. My elderly partially blind and disabled mother recently informed me that she had a "bit of money" accumulated from her disability benefit and pension, (she is pretty much housebound and therefore unable to go out and spend anything). It…
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How to spot a treeshake
Hi all I was wondering if i could get some tips on How to spot a treeshake ? your views ?
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Stocks and Shares For A Dummy!
OK, I'm at a point where I'm thinking about investing in stocks (UK). I'm trying to wrap my head around the concepts but I was looking at a particular stock today and am confused by something. I used ADVFN to get these figures: Thorntons (LSE:THT) is currently 25.5 per share. Reading its reports etc it looks in pretty bad…
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Saving £30k
Hi, I'm helping a friend at the moment trying to get her funds put where they make most money for her. I've got the ISA side sorted out for this year and will do the same for post April. What I have far less experience of is something that is instant access (won't go into details but she has to have the assurance of being…
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ING 2.9% direct savings online
Hi, Does anyone know what is the withdrawal limit for this account? Many thanks
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Transfer Unit Trusts to an ISA
Hi Folks I have nearly £7000 in Jupiter unit trusts split almost 3 ways between Jupiter European Fund (good), Income Fund (middling) and Financial Opportunities Fund (poor) which I bought some years ago in a year when I had used my ISA allowance. I am thinking of cashing them in (or transferring them) to open an ISA…
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Aldermore ISA
Hi Looking to transfer my cash ISA. Has anyone had dealings with Aldermore for a cash ISA? Any problems. Also wondering about M&S ISA. Any comments would be appreciated.
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Fund recommendation
Quote from Pantheon Financial Investments Quarter 1, 2012 UK Equity Income sector recommended funds HIGHLIGHTED : BEST OF SECTOR.... Neptune Income Recommendation : BUY Quote from Principle Investment Managment Ltd January 2012 ex "White List" downgraded to half way down Grey List.... Neptune Income Recommendation: SWITCH…
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Vang US Equity Idx on AT v. HSBC Amer Idx on iii
I have a £5k lump sum which I intend to put into Vanguard US Equity Index fund on Alliance Trust or HSBC American Index on Interactive Investor (neither account is wrapped). As far as I can see it's swings and roundabouts - just thought I'd ask on here to see if I'm forgetting an obvious deciding factor? (And while I've…
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High St saving rates higher from a bank than building society on 12 month bonds.
I have been quite surprised recently to see that the banks (2 that I am aware of) are offering a higher rate of interest on 12 month bonds than building societies generally are. I have never known this happen prior to the last few months. At the moment I am likely to be reinvesting my savings with a bank not a building…
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Monthly or Annual Interest on Savings?
Hi guys, I'm looking into applying for the Santander eSaver but I've got a question about the interest. I know that practically speaking the amount paid in interest doesn't change even though the % is different between a monthly/annual rate however I'm intending to use it to drip-feed into other regular savings and ISAs…
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Saving for Elderly Care - is telehealth an option?
My mum has just developed Alzheimer's and my dad is currently caring for her at home. I am thinking about their long term futures and looking at the finances available. Obviously, some time in the long term future they will both probably have to go into care. Firstly, I would like any ideas on how to plan and save for…
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Saving for children
i want to open a savings account for my child that they can't get access to until we decide that they are responsible enough to have whatever we have saved for them, whether that may be 18 or 21 or whenever. Do I have to open it in my name or can I open an account in their name with me having control over it? Would it…
