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WARNING - HALIFAX Statement error
If you have recently received Halifax four page statements on your fixed rate savings do PLEASE check them carefully. My wife and I both have fixed rate ISA Bonds, and have found that page three which is intended to show daily Historic Savings Rates clearly evidences wrong (& lower) rates have been used. Also rates have…
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best alternative to interactive investor
Hi, I've been looking for a trading account that purly charges a commision on trades exactly like interactive investor used to do. all i can find is companys that will charge an 'inactivity fee' as well as commission. i dont want to feel forced into dealing every quarter, that seems like a stupid way to make money from…
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Shares - just a bit of fun
I'm sorting a share portfolio at the mo for my SIPP and was thinking about 'Monkey and his pin' and the thought often published that many investors sell their best performing shares (take the profit) and keep the fallers (well they must recover soon) and some say this rarely works out. So (as I say just for fun) I thought…
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Global Resources Fund
Hi, As the market in the global resources has fallen to a level I personally see as attractive, I am thinking of buying the First State Global Resources (Acc) Fund, with a small lump sum. I don't have much exposure to oil / gas / mining etc and from my research I like the look of this fund. I do however see this sector as…
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Governormoney - start date
Just opened online a 1 year saving account with governormoney. All quick and immediate. But I am confused by the fact it states "Start Date" as 13th Jul 2012 for the account. Today being 13th June, if I move money in today, does it earn interest from today or from next money?
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MSE News: Nationwide launches saving rate drop alerts
"Nationwide savings customers should sign up to a free service that alerts them when their rate dives ..." Read the full story: Nationwide launches saving rate drop alerts
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Passbook trumps the internet
http://uk.finance.yahoo.com/news/back-future-savings-passbook-trumps-105014798.html A slightly strange line from the building society that recently bought Egg. But it plays well with the Daily Palaeograph and the readers.
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Global equity income funds
I'm looking at global equity income funds and the newton and Invesco perpetual funds seem to have a cracking performance record from trust net, anyone got any thoughts on drawbacks apart from the annual charge?
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Share dealing accounts - iii alternatives
As I’m closing my iiii share dealing account I’ve been looking around at the alternatives. My list so far is below, and I post it a) In case anyone else is looking for the same info b) In case anyone can add to/correct it, or comment on the providers etc Note this is for share dealing, not funds, ISAs etc www.share.com…
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spread-betting firm - any recomendations
hi - i'm a reasonably experienced investor and i'm interested in learning more about spreadbetting - mainly as I want the ability to have a short position on some stock. are there any recomendations my fellow MSE investors might have towards a certain company or other? curious to know - ease of use of systems? ability to…
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Company Share Scheme - Takeover Issues
Hi, I joined my company share scheme. I was allowed to buy £1500 per annum of shares. The company then matched this purchase with £1500 for 'free'. This was tax deductible, so I only paid ~£900 for £3000 of shares. If I keep the shares for three years, then I have no additional tax liabilities. However, my company is…
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New born
Hello My wife and I are lucky enough to be expecting a little one any day.. I wanted to open some type of saving acc. We will only be able to put £50 po so in a month however when they turn 17 will be enough to get a car or deposit on a house etc. Any thoughts what we should be looking into to,get the best over the long…
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SIPP or ISA???
I recently opened a Hargreaves Lansdown shares ISA with the aim of putting in £100 per month until I retire. However I see that their SIPP also has NO FEES (is that not peculiar?) when buying only funds! If I put £800 a year in (say for now) then am I correct in saying that £200 gets added by Hargreaves (via the…
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Vanguard Bond Index Fund Inc Long-Term Bond (BLV)
I'm looking at this animal Vanguard Bond Index Fund Inc Long-Term Bond (BLV) to hide away a lump of my SIPP while the storms rage. Anyone any thoughts on why this might not be a good place to hide and perhaps think the Vanguard Lifestyle 20% might be better? I just having moved my funds from PPs to SIPP don't fancy…
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Rbs shares to sell or not?
Hi all, I bought rbs shares when they were at 22p and today they are at 2.20 because of a share consolidation is this the time to sell or do you think they will go higher? Thanks
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In Praise of NS&I
We often, rightly, criticise providers for poor performance. Well let me tell you of one that knows how to treat it's customers. I cashed some Index Linked Bonds and NS&I cashed them two weeks early giving me no interest or linking because it was less than a one year holding. I telephoned, the agent sorted the problem…
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Best way to save?
Hello all I'd like to ask your advice. I'm unsure what’s best to do with my savings. Currently I have two ISAs and one savings account that had a good rate but that has just expired. The rate on the two ISAs is pretty dire. So on all three saving accounts the rates are low. I haven’t got a great deal of money in them. Do I…
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Help, I need a Saving Account
Hi Everyone. I really want to start Saving some money but am so confused by it all. I just want an account where i can put money in and as when i want and it be totally free. I dont want a minimum save limit monthly as some months i have spare cash other times i dont. I am not even that bothered by interest rates i just…
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Shares when to sell?
We've got about 18K invested in various funds- many linked to FTSE 100 as far as I can tell. All IFA invested. Only one small group is making any money- all have devalued since investment about 5 yrs ago. DILEMMA: We have a large 160K interest only mortgage loan- split into approx 80K in two parts. Low interest around…
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Hargreaves Lansdown and the missing Vanguard Funds
Is not the name of my new Harry Potter rip off novel! Its the subject of this thread. I noticed BestInvest offer some Vanguard funds in their ISA that HL dont. Namely the bond, emerging markets and pacific trackers. I didnt spot the US equity one initally but then realised they have it. I asked HL about this and they said:…
