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Monthly Investment into ITs - Cheapest Platform?
I'm currently invested in a stocks and shares ISA with HL which will be maxed out (with some going into a cash ISA ) but am now looking at expanding my portfolio by drip feeding additional monthly amounts into some investment trusts. This will need to be done outside of the ISA wrapper and HL appear to be charging £11.95…
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Nationwide ISA/NSI Index Linked
He's my situation. I have about £5,000 in a NS&I inflation linked cert, which I'm thinking of cashing in when it hits it's first anniversary next week, as RPI is going down. I left last tax years Cash ISA allowance till the last minute, and put the full amount into a Nationwide one paying 3.10%. I've just opened the new…
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Mum's ISA is lost...should she complain?
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Nottingham 5.01% Cash ISA
Has anyone tried to open a Nottingham Building Society 5.01% Cash ISA without going into a branch? I am a member of the Nottingham, but live about 100 miles away, so going to a branch is inconvenient. The interest rate is very appealing though. I wrote to them recently, but I've had no reply. Anyone been successful opening…
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Interactive investor, good to start with?
Filled out the initial questionaire and came up with these results: Your appetite for risk is: Medium Your experience level is: Beginner Your time horizon is: 3-5 years Didn't really know too much about the time horizon, however I understant that it is how long you want the investment to mature before selling on? Very much…
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Software for keeping track of savings and investments
Hi all, I'm looking for a piece of software to help me keep track of my savings and investments. Between my OH and I, we have a couple of current accounts, a couple of savings accounts, a mortgage account, ISAs, savings certificates, and some of the above for our daughter. I've previously used Quicken to track it because…
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interest in ISA
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short selling
Hello Can anyone explain this to me http://www.telegraph.co.uk/finance/newsbysector/industry/9248344/Weir-shares-targetted-by-short-sellers-on-fracking-fears.html Does this mean that hedge funds are spread betting that Weir shares will go down when results announced and is this therefore driving the price of Weir down (or…
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Best strategy for my savings
Hi all, I have been slacking with my accounts of late and I am now trying to reorganise my finances sensibly. I wonder if the lovely people on this forum could advise me on how best to store my money because I have been losing out on interest for a while now. I have three accounts. - An ISA from the last tax year…
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Help me improve my savings/investments!
Hi, Just looking for advice/criticism on my savings and investments. I own a house worth £185,000 with a remaining mortgage of around £60,000, currently paying interest-only at about 2.5%. Student loan of about £14k. No other debt. I have about £35k in savings, this is split between £13k in cash ISA's around 3% and £11k in…
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Buying shares
Hi Guys, I'm 20 years old and I have a few quid about and have been thinking about buying a share or two in a company. I have not done this before so any advice would be appreciated. I would be grateful if anyone could point me in the right direction. Any tips or advice will also be appreciated. Thanks, Jack
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Tesco Fixed Rate Saver
Hi, Just tried opening a Tesco one year fixed rate saver at 3.5%. Went through the whole process online, chose the pay by debit card option, and at the last step got a message that they would have to call me to complete the application. This is somewhat annoying, because I moved a significant sum from my savings account to…
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Bonus rates confusion
Hi all I'm a bit confused about the bonus saving rates being offered at the moment. When an account is being advertised as 2.8% gross with a 12 month fixed bonus of 2.7% so I need to add the two together to calculate the true rate i.e. the account pays 5.5% in the first year then 2.8% afterwards? Also, does anyone have a…
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Santander children's savings
Hi Just had the shock of my life upon receiving my yearly interest statement for my daughters savings account. She has had 1584.00 in it and for the last year she has earned a whopping £1.58. Could not believe the interest rate had been sneaked down so far over the last couple of years. Talk about greed, what with interest…
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Savings Tax
My Wife will be stopping work in a few months for approx 5 years to look after our child which is due in Oct. Can I transfer all of our savings into her name so that the interest does not get taxed? Are there any implications of this or things for me to be aware off. The money is currently held in joint names and we have…
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less interest paid by Santander!?
Hi, I've had a look at my interest on my eSaver issue 4. I have it on paper that monthly rate is 3.06% gross, 2.45% net. For £6100 kept in the account, no withdrawals, in a full month 7th to the 7th, I received £12.72 after £3.18 tax deducted. Having multiplied 6100 with 2.45 I got 14.945. Please correct me if I'm wrong:…
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What to do with a lump sum of money, need advice?????
I have no idea what exactly to do with this amount of money can you guys and girls please provide advice for a girl who's about to receive some money. Buy a house or invest???? It would be about £20,000 Thanks Jen :j
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LloydsTSB Branch Accounts
I'm trying to think of an easy simple place for about 25 to 30k which my Brother's Family will Inherit. They are unlikely to consider internet or Telephone banking or anything other than the Lloyds TSB branch accounts! In fact doing anything other than spending it all will be a serious headache for them but.... Is there…
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Getting Fund Data Into Excel as a Datasource
Has anyone found an easy reliable source? Trustnet makes all the prices end in (p) in the cells so that's not useful. I thought FundListings would be OK but I can't seem to select the price. Only the name of the fund. Does anyone else do it?
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Franklin Biotech Closing
In case anybody else holds the above fund, you need to sell it, before then end of this month, otherwise it will be sold for you, because they are closing it. I did think about investing in the bigger Axa Biotech, but in the end, decided to move the money to my first state emerging market fund instead. In Franklin's…
