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£15K burning a hole in my pocket
I make full use of my ISA allowances, and pay money monthly into an investment account. However I find myself with £15k spare with nowhere obvious to put it. I recall that around Easter time last year there were government bond for sale that were tax free and paid interest at a rate above inflation. Are these bonds an…
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5% with Cheshire BS for regular savers
After looking at ISA rates this seemed very attractive if you want to save regularly to build a next egg.:j Cheshire BS are paying 5% to regular savers in their Platinum Monthly savings account for a fixed term of a year (until end March 2013). You can save up to £500 per month and can make up to one withdrawal a year. You…
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Vanguard Global Small-Cap fund
Looking for a broker that offers this fund. I have always dealt with HL, but they dont provide access to it so I might look elsewhere. I have seen it listed with AT, it is on the Vanguard (IRL) part?? Is this just for Ireland investors?? Anyone know how to realistically invest in this fund on a monthly basis starting from…
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AA unlimited instant access Cash ISA pays 3.5%
Seems to be the best deal so far, 3.5% rate is valid for 12 months: http://www.theaa.com/savings/access-isa.html Unlimited withdrawals.
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Comparing Returns from Managed Funds
Hi, I have pension and other savings to invest, and have been given details of a moderate risk (ethical) discretionary managed portfolio run by a large company in Bristol. This gave the following annual returns (net of all charges) from 2007 to 2011: 2.9%, -8.5%, 12.5%, 11.7%, -3.5%. Over the 5 year period the annual…
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40% tax on savings
Hi all, im currently saving up for a house deposit so have been doing a fair bit of overtime. I just worked out that i will hit the 40% tax bracket a week before April :-( Does this mean that any interest i earn on my savings will be taxed at 40%? or is it similar to the earnings (where only a fraction gets taxed at 40%).…
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Unused ISA allowance savings
Hi, I'm a newbie, so forgive me if this is a stupid question :) As its coming towards the end of the tax year, I would like to save a small amount of money (<£5000) that I will not require until the end of this year. As cash ISAs appear to offer the best rates, could I open an easy access, no bonus rate, cash ISA to…
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Bonds & Savings - Paying Tax At Source
I've been trying to invest in a bond and have been told that, up to £50k it is taxed at source, and anything above £50k I will have to declare the tax myself. Does anyone know why it isn't possible for the bank to pay all tax at source regardless of amount invested? Thanks.
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Nationwide e-ISA bonus rate
I am planning to transfer my Nationwide e-Isa (which I opened on 31 Jan 2011) to a new e-Isa at Nationwide. The new account pays 3.10% until 30 September 2013 when it drops to 1.00% variable. Interest is calculated daily and paid annually on 31 August. I have a couple of questions: 1) If I opened the account now am I…
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Santander eSaver issue 4
We currently have online savers with Santander and today is the day I sort all our savings and move them to higher paying interest accounts. I have just gone into the Santander account (we currently have savings and current accounts with them) after the initial page of name, email etc the next page wants to know our…
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Alliance Trust concerns
I have an ISA with HL. I want to seriously rejig my holdings and this includes buying a number of ITs and, within a few years, a few ETFs. I still want to hold OEICs and there isn't really enough in there for me to split across two poviders (one for OEICs and one for ITs/ETFs) yet. I had decided to move my ISA to Alliance…
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USD Account in the UK
Hi there, I'm relocating to the UK soon and was wondering if anyone knows of any banks that offer savings accounts in USD, I've looked around the internet and came across citibank, are there any other recommended banks where one can either open a savings account or a term deposit account in USD with a good interest rate?…
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ISA confusion
I was just applying for a cash ISA to transfer an existing ISA into, but in the declaration you have to tick it says "I have not subscribed and will not subscribe to another cash ISA in the same tax year that I subscribe to this cash ISA" But I have subscribed to another cash ISA this year; that's the one I want to…
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First direct reg saver or ISA
Which would be the best option to save a pot of money to reduce my mortgage in the future? I have a mortgage fixed for 5 years at 3.95% with HSBC with 18 yrs to go, i have been considering making regular payments to reduce the interest paid and term. The best ISA's pay around 3.3%, another option is First Directs Regular…
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Post Office Online Saver
I know that PO is covered by the FSCS but knowing that the accounts are offered by the Bank of Ireland, is there any reason to worry? I mean, if things in the Eurozone go belly up, would BoI give me any trouble/worry? Thank you
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What to do with existing shares?
Hi I have had some shares (all for the same company) for approximately 8 years. During that time, the investment has increased to a very significant amount and i am now over and above the CGT threshold. Thankfully at the moment I don't need to cash them in and as the shares are just sitting there, (with the exception of…
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S&S ISA Legal and General
Hey, I'm looking into S&S ISA's at the moment, something I can invest upto £300 per month. I've been looking at Legal & General in particular however there are so many different tracker funds i'm unsure which to go for, can anyone give me some pointers? Thanks
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83 yr old - tax on savings?? help!
My 83 yr old Grandmother has about £22,000 in various savings accounts - £13k in a 2 year bond, £5k in a cash isa and about £4k in her current account (!) We keep trying to get her to spend it to make her life a bit easier - taxi instead of bus, get a cleaner etc but she'll take some convincing. In the meantime, what are…
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Isa confusion
Hi, hoping someone is going to help us. Me and my wife have £2000 each, currently in natwests e-isa (paying a dismal 2.00%). (2 seperate isas) Don't want to lock the money away, in case its needed. Do we transfer to a new isa before the tax deadline? (virgin 2.85%) OR Do we transfer to a new isa after the tax deadline? OR…
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UTs - ITs - ETFs - equivalency tables?
I'm looking for alternate investment platforms for my unit trusts to lower their expenses. To do this I need to be able to find equivalent alternates in the IT or ETF world that mirror the UT - is there a site that offers this informatuion For example is there an equivalent IT or ETF that mirrors the M&G Int Sov Bnd A? fj
