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Cheap online broker who deals in uk and australia
Hi i hope this is the right thread. my broker has been taken over and the charges have gone through the roof (they wanted £175 for sale of just 1 stock). can anyone recomend a broker for ocassional trading ? i hold shares in canada and australia so if possible would need to transfer these over and would also i would like…
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Where should I put my money?
I have some money, approx. £8K which I intend to pay towards my mortgage in December 2012. (End of my current arrangement so intend to get a new deal at the same time). At the moment this money is sitting in a basic savings account which I think gets 0.01% interest. So I think it is worth putting this money somewhere…
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Saving for daughter who is working abroad
My daughter works in Denmark, she plans to return home to UK in a couple of years. My mother wants to give her regular amounts of money to be saved in a uk savings account so when she comes home she will have a deposit for a house. Ideally this account should be in the names of my daughter and myself so I can manage it for…
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When do Halifax apply interest rate to fixed rate ISAs?
I opened a Halifax fixed rate ISA last week when it was 3.7% (2 YR). The account balance is currently NIL. My plan was to transfer an existing ISA to the account by the end of this week (as in, taking the documentation to a branch). Since the interest rate has now changed, how can I confirm what interest rate I will get?…
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advice welcome
Hi everyone I have been saving for the last years to get a deposit for a mortgage, ended up with £27k, went to see an adviser but have had no joy :( so it another year or so of renting and trying to save, so my question is what to do with it? I have been looking at putting some in a ISA and some in to premium bonds. What…
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Fund of Funds II
Lol!! i was just responding to "Fund of Funds" when the thread was deleted - some mistake surely? no offensive language, just good old fashioned reasoned debate. so if pro management is so good why do the fund manager fans here not allow a fund manager to invest in UTs for them? surely a fund manager would pick better…
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American Tech Shares
I've always gone for shares that pay dividends, this I generally understand - I watch I few america tech shares like Apples / Google - these companies make massive profits yet have never paid out a dividend in over 15yrs - from this I struggle to understand why people hold these shares when the company gives nothing back…
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IFA or Stockbroker
Hi everyone. This question has been puzzling me for months: If I needed advice on which collective investments to invest in, I would speak to an IFA. If I needed advice on which individual securities to invest in, I would speak to a Stockbroker. But, what if I didn't know whether I should be investing in individual shares…
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My bank just rang me earlier and.....
The conversation went something like this: Your fixed rate bond is due soon. Can you come in to the branch? Why do I need to come in? Let's renew it on the phone or by post. We need to discuss all your options. But I didn't come in last year. Is this a financial review? I don't want one. I want another fixed rate bond.…
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Financial Professionals - What Do They Know?
Its a well known fact that fund managers rarely beat the market - tracker funds do better that any managed fund. Don't believe me then read this: "But the odds of finding a fund manager who will consistently beat the market are stacked against investors. Even Warren Buffett, the world's most famous investor and stockpicker…
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Investing for 67 yr old Mom !
Hi Everyone, My retired Mother has £70,000 in savings. She is happy to invest £60,000 for 2-3 years but would like approx £10,000 in an easy access account for emergencies...any advice on high interest savings accounts for her lum sum?!! Thankyou very much !:)
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Stocks and shares ISA
Hi. I am new to the site and a self confessed duffer at most things financial! I have a stocks and shares ISA through Barclays that I pop £50 a month into. My most recent statement shows the value of the units over the past year mean I might just as well have chucked £30 of the £50 in the bin each month! I am thinking that…
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Long term Returns from Equities, Bonds and Property compared
Just to revisit this old topic again. A report just released by Credit Suisse suggests that real inflation adjusted annual returns since 1900 on the UK stockmarket was 5.2%. The equivalent figure for UK property was 1.3%. Obviously this ignores charges. However, is there an element of survivability bias when assessing the…
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Online bank account for a 16 year old??
I sent my neice a cheque for her 16th birthday - only to be told by my sister that my neice doesn't have a bank account, my sister is apparently too busy to go with her to open one, and my neice can't possibly go and open one herself cos she's apparently never even been inside a bank! (I know I know, I am despairing here…
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Mis-selling question
Just want to run this past people with more experience. Mum showed me a ISA projection from her bank (lloyds tsb) It clearly states that if she paid in £3,500 into their variable ISA at 2.35% she would earn £85.25 PER MONTH in interest. Now correct me if I'm wrong but using the ISA calculator on here that's only £85.25 PER…
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what would you do with 30k ?
what would you do with 30k im due to come into £50,000 and was planning to pay off all of my debt and then go on holiday i want to try and make money on the 30k what and where would you put it? and why would you put it there?
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Savings bonds for 16 and 17 year olds
I am trying to open a savings bond account for my two daughters aged 16 and 17 and cannot believe how difficult it has been. They each have £1700 to invest and we decided to go for the Post Office 2 year bond paying 3.75%. However, they will only accept the money in one of 4 ways: 1) Cash: however maximum is £1,000 so no…
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Keep or sell shares
Hi sadly my Mum passed away on Christmas day and I am now in the process of sorting out her estate, probate(DIY) with the help of MSE etc. She currently has shares in Bt, Santander, Lloyds, International Power and Barclays and I am unsure whether to just get them transferred into my name or sell them. Don't have much idea…
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Moving a pension from one provider to another
Hi everyone I recently asked Scottish Equitable what would be involved in moving my existing pension from them to my Hargreaves lansdown account. Basically I don't like having to look in two different places and I think Scottish Equitables choice of funds is poor so I'm looking at moving it. Anyway - I asked them a simple…
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What happens if you have an ISA in someone else's name?
Does anyone know what the penalty is for having 1 ISA in your name and an ISA in another family members name?
