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Closure (other than transfers to another ISA) will result in loss of tax free statu
Can someone please explain what this means. At the end of the bonus period of the Post Office ISA I have just taken out I will want to close the account as I may want to spend the money. Does this mean I will then have to pay tax on the interest earned?
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Swiss bank account issue
I have a Swiss bank account (at UBS) which invests in various funds and which is affected by the UK-Swiss bileteral tax agreement coming into force at the beginning of 2013. I am currently liquidating the account and bringing the funds to the UK and I would like to close the account before 31 December.. However about $5000…
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The 'Save 12k in 2013' Thread!
So, the title is pretty self explanatory, but this is the place to be in 2013 :D In 2013, the aim is to save £12k (or, any other amount if you like!) from 1st January 2013 til 31st December 2013. I know it's early, but it gives you the time to plan for how you are going to do it! 2012…
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My Savings Log - for motivational purposes
Hi all Having spent a lot of time reading threads I have decided to start one of my own. I have always felt a bit of a fraud on here as I have no debts and am able to live within my means, but I have realised that MSE is also about making your money go further and that is what I need to do! So the main reason I am starting…
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Releasing money from ISAs or
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Investment advice
Hi, I am looking for some kind of professional service I can subscribe to for investment advice. I want to transfer £50k+ from my Company Pension Fund into SIPP and would like to build a well profitable portfolio using funds and shares. I am familiar with money market however don't have personally time to track it, thus…
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ClubFinance Frequent Trader
Has anyone bought shares through this organisation, (www.clubfinance.co.uk) seems incredibly cheap at 50p a trade & 0.35% of your portfolio (minimum £100) pa? Any catches? They seem to deal in all types of shares but haven't heard of them before, I wondered if I was missing something?
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£5000 in savings what now?
Hi, I've got £5k in savings for our wedding in August, I'm currently paying £200 pm into the savings. The promo interest rate of 3% drops off in Feb so I'm looking at moving. It needs to be an account I can get access as we're going to need to start paying things soon. Any ideas whether an ISA or normal savings will be…
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Safe - Short Term High Investment
Hello, first time user on the forums. I have inherited a large sum of money in the region of £100K and will be looking at purchasing a house with the money in the next 12 months or so. As a self employed/business start up, I want to get settled in to work before committing to taking out a mortgage and all the expenses of…
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Are there any advantages in trading CDI's for US stock?
A few brokers only have a CDI (CREST Depository Interest) option, as opposed to trading the underlying stock? Are the any advantages to using this approach? Are the shares traded at the same price? Thanks.
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EU insists investors share pain of €37bn Spain bank bailout
EU insists investors share pain of €37bn Spain bank bailout - link: http://www.telegraph.co.uk/finance/debt-crisis-live/9706604/Debt-crisis-EU-insists-investors-share-pain-of-37bn-Spain-bank-bailout-live.html Could this sort of thing be a threat to holders of bank preference shares?
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Saving for Nephew
Hello, I'm wanting to set up a roughly £15/month DD into a an index tracker for my nephew (3 soon) His Mum and Dad have the Child trust fund (cash/savings) already so I want to do this separately (stocks/investment) my questions. I don’t think I can open a Junior ISA as he was born at the wrong time, am I correct? Can I…
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Santander security - ?
Like so many others, I have recently been made aware of new 'terms and conditions' which include stringent security measures to be adhered to by customers. I am particularly aware of the potential problems of giving full account details in e-mails, because surely not completely secure. As a Santander account holder for…
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Another Child Savings Question...
I'm looking for some sort of investment account for both of my kids. One has a CTF and one is eligable for a Junior Isa. The CTF is not performing particularly well and Junior ISAs don't seem to be getting very good reviews. Ideally I would like; the same type of savings for both of them the investment to be based on…
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Overview Tool?
Hi all, I was wondering if there is any software tool out there that can do the following? I have a portfolio with HL, I like the way it is all kept together and easy to view. However over the past 10months I have added a number of IT's to my pot and they are in shareplans with the specific investment house as it was the…
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Warning Co-op Banking Scam Email
Pending Payment Dear Co-operative Account Holder, There is a pending payment into your Co-operative Account. For security reason and your 4 digits security code we would require you to confirm your account status and profile on file with us. To avoid service suspension This can be done in 2 steps using the reference…
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Best 6-month savings account?
I want to put away a couple of thousand pounds for a 6-7 month period (I will then use it to pay off an interest free credit card debt). What would be the best place to invest it for a reasonable return? I could use it to top up my fund and share account at Hargreaves Lansdown but I'm guessing that the associated fees…
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Do any of you open multiple savings accounts 'just in case'?
To explain... Somewhere around this time last year, i remember there being the 5% Santander preferred C/A available. Was it HSBC offering 6% for something similar? Instant access savings around the 3% mark etc. I opened my accounts & deposited my money & that was that. FFWD roughly 12 months to today & the accounts don't…
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Help finding a savings account
hiya, i need a specific type of savings account, i dont even know if it exists.. i want an account that restricts access for a certain amount of time, possibly 1, 2 or 3 years.. i want to be able to pay money in at any point, but not be able to withdraw any till the set time... i also dont have much to start the account…
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Unite Group 6.125% 2020
I'd be interested in any views on this new bond issue ... am slightly tempted but have not yet read all the paperwork!!
