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Intelligent Money of Hargreaves Lansdown Vantage
Some years ago I registered some ISAs with IntelligentMoney and have been pleased that they more than pay for their yearly charges with the commission money they pay back to me.:) My husband has some of his ISAs registered under the Hargreaves Lansdown Vantage scheme. I have a Stocks and Shares ISA which has done very…
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Cheltenham 7 Gloucester 3yr Stepped Bond
I'm rather surprised this hasn't been mentioned more. Starting at 3.75%, then 4.25% then 4.75%, it seems pretty reasonable. also it does have a 120 day withdrawal policy if needed for emergencies. http://cheltglos.co.uk/savings/fixed-rates/index.html#important-info I'd love to know thoughts on this. One downside is not…
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I think we need some Independent Advice!
......the question is - where to go for that advice? I would appreciate any thoughts from people on here. You may have seen my thread in the "pensions and retirement forum". But the situation is broadly as follows: I am a UK national living in Germany and have done for the last 12 years. Aiming to retire in 2-3 years and…
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Child
I would like to set up a savings account for my 1 year old Nephew. Money going in from the family inc me on occassions eg Christmas... As I can't give a undertaking of a certain amount each month/year I have no idea what to do. Can I set up the account bearing in mind I'm not the parent? Thanks
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Credit Unions
Strangely, MoneySavingExpert is quiet on this topic and I want to share with everyone the benefits. I found one but I'm not allowed to post a link to a MSE page >_> it was a newsletter back in January. With lloydstsb on my current account, I get a savings interest rate of 2.2%. With my credit union account, I can get up to…
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emerging market funds
I was considering Aberdeen EM and First State but I noticed that Aberdeen has been taken off the HL 150 list as it soft closed on Friday. Looks like it can still be bought though, I read somewhere up till end of March Before I make up my mind are there any similar investment trusts I should consider? Also, is there a IT…
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edinburgh investment trust
Please can anyone tell me which figure I should be looking at for the premium on this trust? Different figures get quoted eg '!!! income' is one that is on the providers website and that is about 3.55%(have closed down webpage and cant remember exactly) but trustnet have .3% I am dithering between fund (perpetual high…
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Best way to transfer money?
Hi, I'm looking for some advice to transfer money if anyone can help. I have a fixed rate account which has just matured and I'd like to move the money to a fixed rate account at a different bank. I was wondering what the best way would be to transfer the money over, as I'm guessing with the new account being fixed rate,…
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Fix now or wait?
I have some money I would like to put into a savings account. I already put some money on Yorkshire's 2-year 4% deal. I am also keeping some money on Santander's instant access at 3.1%. Now my question is: should I also put some money on a 1-year account (some good deals at 3.5-3.6%) or wait a bit to see if better 1-year…
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Invest into Stocks and Shares ISA and a cash ISA?
Hi so if i for example invested £50 a month into a stocks and shares ISA with HSBC carried that one for a year, but during that year i invested £3000.00 into a cash isa with Barclays is this allowed. So basically are you allowed to invest into a separate Cash ISA to a Stocks and shares ISA. this may sound silly but im new…
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Best fixed ISA rate?
I have been looking where to move my wife's Cash ISA for a couple of days. Obviously, to get best rates you need to fix for a period, but a major problem is how long to fix, can you gain access to your money if needed prior to maturity, and if so, what are the penalties for doing so. Market leading rates are on offer with…
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Child Savings
I want to open a savings account for my niece, but don't necessarily want her parents involved because they are terrible with money. Is there any way I can open a savings account somewhere, and put some savings away for her without them being able to get their hands on it? Most banks need a birth certificate or something…
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Best place to put money for most interest.
I'm looking to invest and save £160000 in two accounts 1 high interest bond type account with little or no access for one year, with monthly interest payments to live on. 2 A high interest instant access savings account for day to day spending and emergencies. I'm not sure how to split it up and which accounts to go for.…
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Any opinions on my investment strategy
Thanks for looking in... I currenlty have around 300k of savings which are roughly spread as follows between wife and I; 42000 cash isa's 160000 cash (various fixed rates 3% approx net) 35000 S&S Isa (50% funds 50% individual stocks 60000 OEICS (Mainly in Fidelity Multi Asset Strategic) I am a higher rate tax payer, 47…
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Quick question
I apologise if this has been answered before. Why do so many ISA providers refuse to accept transfers-in? I have tried to find out the rationale behind this, but can't find out specifically. After all, isn't it just a cash transfer from one provider to another? Or is it more complicated and therefore administratively…
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Investing a Poor Performing Fund
I wish to invest in a couple of funds -- a regular payment of £50-100 per month. I'm looking at two of the following HSBC funds -- European Index, American Index, Japan Index or FTSE 100 -- the regular investment would be for at least the next 7-8 years, risk is not a concern. My question is all four of these funds/regions…
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Joint Savings Accounts
I dont know if anyone can help me. I recently opened a JSA and deposited our wedding present money. I asked the personal banker if it could be set up so that both of us had to sign to withdraw and she said yes. My husband has subsequently withdrawn the money and invested it without my knowledge. The PB is now saying that I…
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Best place to tie up 15k for less than a year
I have some cash I want to keep separate from my current account and earn a little for me. Will need it in less than a year to pay some tax. Was thinking of premium bonds then thought of choosing the best from this lot for my time requirements. http://www.moneysavingexpert.com/savings/savings-accounts-best-interest Can…
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First direct regular saver account
I would like to open another FD regular saver account after my previous one matures. I didn't need to pay fees on my FD Account because I opened an Everyday e-Saver at the same time. Will the same rules apply? Thanks.
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Very short term investment advice please
Hello, can anyone help please. I have received £14,000 from an endowment policy which I intend tp pay towards my mortgage. Part is on repayment and part on endowment. The mortgage was for a two year fixed rate which expires in July. Can anyone tell me if it's worth putting the money in a savings account for the short term…
