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Need advice on what/where to invest
not applicable
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Platform News: FSA confirm ban on platform rebates
As expected, the FSA has announced today that is to ban fund manager and cash rebates for both advised and execution-only platforms. It will be introduced on December 31, 2013 with final rules laid out before the end of this year. The cash rebate ban will only apply to new business from December 31, 2013 and not to retail…
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Be Quick
Yorkshire Building Society offering 4% interest, max £6000, finishes Thursday!!
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Best place to save money in both the short & long term?
My friend has their debt on a 0% card which expires at the beginning of October I think. They currently have approx £2,300 saved to repay the debt and they intend to save approx £400 a month from now until the end of September 2012. As the person will be debt free when they repay this debt (see my signature) they then want…
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Options for a £20,000 investment beating inflation?
Hi all, I've recently finished University whilst managing to save around £20,000 from taking a year out as well as working part-time while studying. Currently half of the money is invested in a cash ISA (3.1%) and the other half in Premium Bonds. These investments barely keep up with current inflation*. I have researched…
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FSCS Cover
Hi, I am a UK Expat living in Dubai, but have all my life savings with Santander UK (Under £50K) If Santander UK go bust, will I still be covered by the FSCS compensation scheme, even though I am non UK domiciled and do not pay UK tax? Should I move my money elsewhere, or will I be covered in the event of disaster? I ask…
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Haggling with a bank for a better interest rate?
Hello all, I have a regular saver with Santander that ends in a few weeks. It's been paying me a nice 6% gross in interest for the past year but once it ends it will be paying me nearly nothing. So, rather than opening another regular saver with them (their reward saver now pays 2.3% gross) I was wondering if telling them…
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Newton Real Return fund
According to Hargreaves Lansdown, the A shares of Newton Real Return fund (which is the one available on most platforms, including HL and Alliance Trust Savings) massively underperform the X shares and the Inst shares. I can understand that there might be classes of the same fund with a lower AMC of perhaps 1.0% or even…
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Help with my ii confusion please
Dear All, Please can I have your opinion/advice on my personal situation with ii and their soon to be introduced charges. Having been away for 3 weeks I have not much time left to make a decision between transferring to another provider or selling everything. 1. ii have said they will not charge any commission if I decide…
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Overdraft and Savings
Hi I have a student bank account with £1000 0% overdraft. I do not need to use this as I have saved enough through part time work. Using the overdraft to add to my savings account will obviously make use of the overdraft 0% benefit. I'm not too sure how credit ratings work so the only thing stopping me from using the…
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Would I protected from cyber-theft?
With stories in the news today about cyber-crime and hackers attacking banks I wonder if our savings are hit are we covered under the FSCS?
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BM Savings
Anyone know who BM savings are ?, are they sound ?
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what to do?
hi im seeking advice on behalf of my girlfriend. She recently has made a claim for an accident and the settlement is going to be around the 30-40 thousand mark. She is a single mother who is on housing benefits and working tax credits. How will this effect her benefits? Is there anyway she can save the money without…
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Which savings providers use NatWest/RBS for processing?
Does anyone know which savings providers (building societies etc.) use NatWest/RBS for processing? Tesco used to use them, not sure if they still do.
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Royal Dutch Shell Shares
I hold some RDS B shares in an ISA which used to be managed by BNP Paribas. This has been taken over by a company called Equiniti. All fine, transferred ok. However a divident has just been announced and I've been told instead of the cash from my dividend buying me more B shares, it is buying A shares. Can anyone tell me…
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Contradictory fixed deposit and small print?
Hello, I don't have too much experience in fixed deposits but I was reading the description of a 100 days fixed deposit: "Agree to 100 days notice, and we’ll pay you 2.90% AER. You can get your money (after the 100 day notice account period) by BACS transfer,..." But then in the small print they say: "We pay you the…
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Cahoot not opening account
I opened the fixed rate account with Cahoot over 20 days ago and then went on holiday. When I returned I expected at least an email from Cahoot but have not received any correspondence, letter or email. I have sent them an email chaser and am waiting for a reply In the meantime I wonder what exerience other forum members…
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What to ask at a meeting with Financial Advisor
Hi, My mum has asked me to go with her to see her financial advisor, because I'm up to speed on general MSE principles, and savings in particular. But I'm not as clued up when it comes to investments. I understand about the need to diversify. And I understand about the only guarantee with an investment is that the % fee…
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Questions about transferring from RBS ISA to Santander.
I have two questions regarding transferring cash from my RBS ISA to a Santander ISA. 1. Santander have an offer of a bonus of 2.8% if you deposit more than £2500. My question is does this need to be in addition to the transfer from a previous years ISA? Eg. If I transfer £5k would I need to deposit an additional £2.5k to…
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MSE News: Bank of Cyprus UK savers get UK protection
"The bank's 50,000 UK savers are now protected by our compensation scheme, as Cyprus asks for a bailout..." Read the full story: Bank of Cyprus UK savers get UK protection
