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"Cash" unit trusts - why?!?
While researching investments, I've noticed a few funds labelled as "cash", such as Aberdeen Cash and BlackRock Cash. As far as I can tell, they just put all their money into a range of bank accounts and return about 0.5% per annum. They're not small either: BlackRock cash is valued at almost £700m. Why do these funds…
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Keep in Company Share Plan or Put into Save-To-Buy
Hi, I am chewing over a decision and wondered if MSE had any useful input. The first batch of my company share plan holdings have reached the end of the holding period and are eligible for me to cash in £900 ish tax free. The share plan is my main method of building a deposit to buy a house. I have a save to buy account…
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pension, S&S ISA or just keep on filling up Cash ISA
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Investing in New Zealand
Hi Guys, I am looking to invest in New Zealand via my UK Stocks and Shares ISA. Which funds/ shares would give me this sufficient exposure? Cheers James
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Most Efficient Way to Bring a Large Sum of Money into the UK
Hello everyone, I am about to move into the UK permanently from Mexico. I have around £40,000 in savings that I want to use in the UK, perhaps towards starting a business. It seems the best option would be to transfer the lump sum through my bank in Mexico (BBVA-Bancomer) onto my wife's account (Halifax). Would this be the…
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found old investment policy
can you help, i've just found an old investment policy so i phoned the company who its with and they've told me the shares were sold back in 2006 but would not tell me any more until i have writen to them, I've never been in contact with the company and nor they with me as they never had my new address as moved house back…
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Euro to Pound Transfer
Hi all, My wife and I are thinking about buying a house and want to transfer our Irish (Republic) savings to our UK account. It's a significant amount - five figures. We were just wondering what the cheapest way of doing this would be and is now a good time to convert from Euros to Pounds? Thanks!
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Best place to stash some cash
I've recently sold my home due to having a job that provides accomadation, it had reached its ceiling value wise so I decided to sell. I now have £20k, I'd like to put it away and maybe add to it with surplus wages and keep it incase I want to put it down as a deposit on another house. I'm not great at keeping hold of…
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Poor savings interest rates
Base rate is 0.5% and the prediction is that this will be reduced before there is any increase. However, the main reason why higher rate investment accounts have disappeared, is the Government's creation of its own bank, the sole purpose of which is to feed £biliions of new easy money to the High Street banks, who…
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Opening a S&S ISA
Hello all, I was looking at property but have been advised to stay away for now. Currently have £30,000 in ISAs and Easy Access Savings and bringing home £1400 per month with very small outgoings. Due to go up to £1600-1700 from April. I am moving to Cyprus for potentially the next 3-5 years (I am military) and looking…
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1st time saver, saving for house deposit, should I be that het up about interest rate
Hi, I'm a first time saver, spent the last few years clearing credit card debt which should dissappear in Feb this year when a work share option closes. My next goal is to start saving for a house deposit, so short term goal rather than long term. So from Feb onwards I should be able to put away £500-800 every four weeks,…
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Buying shares in a US company from UK
What is the best way to go about buying shares in a US company, say for example Apple (who runs in nasdaq)? Is there a penalty for the currency conversion? Does it need to be a US broker? If so, who is recommended? Tried doing some research, but did not find anything concrete. Thanks for any advice pushed forward!
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Do YOU send your driving licence / passport off on applications?
Was looking at setting up a Bank of India account but they are insisting on having an original passport or driving licence sent to them (as well as a utility bill, bank statement or local authority bill). I'm not chancing my passport (or driving licence) in the post. Is it just me that feels this way?
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What is the role of a Financial Adviser ?
Can anybody define what the role of a Financial Adviser is and exactly what he/she is responsible for ?
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help with childs savings
hello there, im very much a noob when it comes to money and banks. i have read on the site about the different types of savings accounts and what not, and cannot decide which one is best for me. i have recently recieved a nice little tax rebate (nothing too much, £80) and have decided i would like to open a savings account…
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European tracker fund
Hi, I would like some advice from the experienced investors on this forum. Do you thing that: a) it is worth investing in a eurozone fund for the long term 5 - 10 years. b) if so, what tracker or actively managed fund would you advise me to buy? I would allocate this euro investment as my high risk proportion. total in…
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Children's Savings
I've read with interest your recomendation for the Halifax kids regular saver that offers 6% for first year only. The Kids' Regular Saver from Halifax pays a whopping 6% AER, fixed for a year. However there are some conditions. You must pay in between £10 and £100 every month and no withdrawals are allowed, but you can…
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Cash ISA Interest
Can I withdraw just the untaxed interest earned each year by my Cash ISAs without disturbing the original investment. Is it still tax free? Like a lot of OAP's I find money is a bit short these days!
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The worst and best things you've saved for
When it comes to saving, I like to have two saving accounts: one for long term savings and a smaller pot for 'emergencies'. The last couple of years have been difficult due to needing to help my OH cope with handling financial struggles left over from his ex-relationship. Luckily it's sorted now and we managed to draw an…
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saving whilst still in debt
I am relativly new to the site, so i apologise if someone else has already started a thread like this. I dont have much debt as you can see in my signature and wanted to know if i should clear this before attempting to save some money?
