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Accumulation Shares and Ex-Dividend Dates
Hi, maybe somebody smarter than me could help explain something, or correct my understanding... With accumulation units in funds, dividends are not paid out in cash, but are rolled into the share price. Thus on dividend day, a shareholder should see an uplift in the price of their holding over and above market movements.…
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Vanguard launch new ETF learning site
Vanguard have launched a new website with information on ETFs at http://www.vanguardlearning.co.uk/ Includes videos and other resources. Definitely worth a look. Seems to be aimed at advisers but it's useful stuff for DIY investors also.
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Stocks and Shares ISA
Hello Ive already got a cash ISA which is now upto its limit. Ive been advised I could open a stock & shares ISA however i know nothing about these. Is there a risk i could lose my money by paying into one of these? Can I open one online? Many thanks in advance Jo
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Conned by the Halifax to move my ISA
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Help build my savings and corpus
Hi , I am 30 and looking to buy a house in 2 years time and save and invest for the future. How should i start to go about it . My risk profile is medium risk considering my investment horizon is long term apart form the house i intend to buy on mortgage in a couple of years. Interested in equity invesments (not sure to do…
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It is time!
I will get straight into my little money life story and if anyone could give me some help that would be great. I have been accumulating money in my Natwest current account for a while now and it has got to £6000. I have got an ISA with Natwest too but that only has £200 in it and it 'died' about 3 years ago, as I have not…
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IFA not responding
Having been made redundant 3 months ago, I’ve given various queries to my IFA regarding my occupational pension, my private pension & savings plans. I’ve also appointed the IFA to look after my mortgage and endowment as they said it would be good for them to look after everything for me. I would like these questions to be…
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How to work out Interest on monthly saver
Currently on the phone to BS (on hold) so thought I would ask here, might be quicker. Got 2 accounts would like to know what interest they managed to get. approx same day of month money put in or within a week. first one 5.01% total £2400 Nov £300 Dec £300 Jan £300 Feb £300 Mar £300 Apr £300 May £150 Jun £150 Jul £50 Aug…
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Already have an ISA, what next?
Hello Im new to this so be patient with me :0) I opened a cash ISA with Lloydstsb 3 months ago and its now up to its limit of £5640. I still want to save approx £700 a month but im struggling to find a good savings account. From what ive read, i cant open another ISA until April 2013. Any help would be great, Thanks in…
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Saving for mortgage
Hi In a few months time we will have finished our Debt Management Plan and will have £300 spare a month than we have had over the past 5 years. We've only ever rented and always intended to buy a house at some point. Basically what is the best way/kind of savings account to save for a mortgage. We are looking at saving…
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FSA announces redress scheme for Arch cru investors
The Financial Services Authority (FSA) has announced today that firms who advised on investments in the CF Arch cru Investment and Diversified Funds must contact all their clients asking if they want their case reviewed to determine whether they were mis-sold the funds and may be eligible for redress. See the FSA website…
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iSA or non ISA
Just perhaps a silly question but one that I have been contemplating for some time, particularly since ISA rates have dropped. My lowest paying ISAis 2.85%, which while acknowledging this is tax free, as a basic rate tax payer if I put the money from the above into a non ISA Account paying 4%, and after deducting 20% tax I…
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Can you transfer shares to a brother / sister?
Hi, I know you can transfer shares to a Husband / Wife in a tax efficient way, but can you transfer shares to a brother / sister in a tax efficient way? Regards...
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What to buy in Oman?
Hey all, I am not sure if i am on the right board, but i have a question! I am off to Oman in January for a few weeks and a few people have mentioned i should buy some gold to re sell upon my return to the UK. Does anyone agree with this? DOes anyone know Oman who can advise on the best way to do this and where to buy it…
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Share Save Schemes
Share Save Schemes Hi I joined this forum as I was reading posts about people not sure about taking advantage of share schemes. A little personal history. My wife worked for British National Oil Corporation. She saved £50 per month to their share scheme. When Britoil took them over she made a bundle and continued to save…
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M&S Everyday Savings Account
Just looking at the M&S Everyday Savings Account. In the T&Cs, for the it say that interest as at 5th of the month will be credited within 30 days. Rather odd arrangement? Why not the same date?
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Family savings, childrens & adults
I'm new to this forum, however I feel in need of some advice regarding savings. Me and my girlfriend have just had a baby daughter and are in the process of setting up savings for her as family members are wanting to give her money. Can anyone recommend any accounts/bonds etc that provide a good level of interest. I am…
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Isa
Hi, Bit of advice needed. I get a bit confused with what you are allowed to transfer over and what you can earn tax free interest on. In Oct 2011 I opened a Northern Rock/now Virgin cash isa with the full yearly limit and transfered some savings from a previous years isa. In June 2012 I opened a new cash ISA with Saga the…
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Question re Coventry Building Society
If you already have a savings account with the Coventry Building Society, can you just log in and open up a new different account, or do you have to start from scratch again? Many thanks.
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Selling shares, length of time to get proceeds warning.
I had some shares from a company that demutualised and were held by Crapita. Last Wed 5th I decided to sell them, so went to Crapita's website and signed into my account. After numerous attemps to sell them online, site kept timing out, I decided to call them. I thought, an 0845 number can't take all that long what's a £1…
