We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Savings & investments

Archives for June 2012

Commfreefunds
Foes anyone use the above for holding funds, and if so ay good or bad experiences. I currently hold funds throng chart well and these guys currently rebate more commission, they charge a fiver a month. Also any thoughts whether that fee is enough for them post rdr, or whether it is likely fees would rise. Thanks
Best Savings Option to fund for Kids University education
Hi, Can anyone advise whats the best way to save for kids university education? I have 14 years more to go . I read many articles and looks like I have to save from now on to accumulate a decent amount. Thanks K
ISA advice for complete newbie
Grand-daughter savings
i am a pensioner and want to give my grandaughter some money for her birthdays she is thirteen and I want to open a bank account for her with her mother as trustee what bank account will give her the best grosss interest please all comments are valued:T
Poll: What helped most with your funds?
Over the last 12 months which of the poll elements contributed most to your gains or in the limiting of your losses? Just for fun but possibly informative.
Saving for children
Hi there, I'm looking to start a saving fund for my 6 week old son. We plan to deposit the child benefit each month. I wondered if people could tell me which products they have choosen and why ? I plan on investing for 18 years so i'm guessing equity would be best option or should i mix cash / equity ? I've also love to…
Does anyone use Simply Stockbroking for an S&S ISA? Any negatives?
Hi, Was wondering if anyone here uses SSB to trade UK shares in a S&S ISA? What are the positives and negatives having them as a broker? How is their online platform compared to iii? thanks
Sneaky interest rate reductions - West Brom but probably others also?
I noticed in passing that our West Brom Isas had reduced total interest including bonus had dropped below 3% and thought, hello what's going on here then? So I asked them, when did you tell me you were reducing this rate? Got this response " Please note that because the adjustment was not more than 0.25% it is not classed…
Maturing Santander 2 year fixed account.
Hi, My wife and I have a 2 year fixed savings account with the Santander ,this is due to mature in a few weeks time. My wife got a call from someone from Santander telling us this and saying that we had to make an appointment to come in and see someone at the branch to discuss what we wanted to do with our money then. She…
Too many funds? What is the problem?
Hi there, I read every so often on here that holding too many funds is a problem.....why? I understand it can be time consuming to monitor them, but you can quite easily check quartile positioning etc...quickly on TN. I have 2 funds that have done well for me in the past, but over the last 5 years have performed poorly.…
A chat about the markets
Was fascinated yesterday to see the markets react strongly to what in the end boils down to very little. My SIPP at the mo is in Emerging Bonds, China opps, mining and commodity, and Vanguard 20% nice and safe. All responded in a positive direction. Are the markets showing that they are just browned off with stagnation and…
Child subject to Interest
An extremely quick question I recieved on Thursday my annual statement for my childrens accounts. They have been subject to tax (they are not due to pay this). It appears when the account was opened I did not complete the relevant form. The Halifax now say I must take the issue of a refund up with HMRC, is this correct? I…
Investing £80,000
Hi What would be the best way to invest this much money. Any advice would be greatly appreciated Matt19709
2012/13 ISA closed.... now what?
Today I tried to pay some money into my Skipton society Cash ISA, and the site said this is not possible. So I just phoned them, and they said "this ISA is now closed, as its a fixed rate ISA we can close it at any time, and your money stays in there until 2013 and you cannot deposit anymore". !!!!!!, I have just put in…
Damn SVS can't hold my stock, time is ticking now, who else is there?
So a few weeks ago i opened an SVS securities ISA and send a transfer form to iii ive just received an email from SVS saying they can;t transfer and hold my stck (ETO) as its not in the FTSE 350 and just listed on the LSE So im now panicking where to go before iii impose there quarterly charge Could anyone please suggest…
what investment broker?
Hi, I am iin the process of selling my shares to buy an annuity, i've enquired and i cannot keep my account unless i leave a substantial amount in there, i will not be able to open another in the future as i'm a non European resident, Can anyone recommend a good on line broker with good research facilities etc. Thanks.
Alliance Trust Savings massive fee hike
Official MSE Insert: If you've arrived from Google, our fully researched ISAs guide may be helpful. Back to the original post... Just got an e-mail from ATS notifying that they are switching from the previous annual fee of £30 for each ISA account and will now be charging £12 a quarter, so £48 per year. What's worse, they…
Where is the best place to save £8,000+?
Best place to save 8k? My husband is a tax payer & i am a non tax payer (not likley to change within at least the next 7-10 years) he has 10k in NS&I linked acount (which will be staying there) I have a first direct reg saver earning 8% that i top up with 300 per month. Any excess cash goes into our nationwide esavings,…
Binary Options
I have been following closely the story that CySEC will start to issue licences in Cyprus to the binary option operators there. I came across the following article on the Marketsword.com website which claims that they are the only currently licensed binary options site: Cyprus: Welcome to licensing binary options. Better…
Trust funds and investment plans
My children were left a sum of money each by my mum when she died 7 years ago. The trustees are my husband and I. We initially invested part of the money in investment plans through St Andrews life but as these have not preformed well we decided to seek financial advice through an independent financial advisor. He…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Savings & investments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Savings & investments

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free