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TD Direct introduce 0.35%pa platform fee from August 2013
TD Direct Investing are introducing a massive 0.35% platform fee from August 2013. Previously there was no platform fee for passive funds which paid them little or no commission. This message has appeared on their website over the weekend it seems.…
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Are you saving for your children?
As the title says, what are your motives? I have one daughter (2 years old) and so far I have managed to put £1500 into her child trust fund. And I have just decided to open up another account for her, where I will get a standing order set up. Although, truth be told I don't know what I am actually saving up for. I do have…
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Investing money on behalf of a child.
Im soon to be given a reasonable sum (just over 18k) of money on behalf of a young child. The only restriction on its use is it has to be used to benefit the child. I was hoping that someone could give an opinion on my plan for the money and suggest what to do long term for the bulk of it. I was thinking 2k into a instant…
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Advice: First time with saver, what should I be doing?
Hi all, I'm 29 and for the first time in my life have some savings and I'm not sure what to do with them. I recently became self employed which has lead to a substantial increase in my earnings, I have some questions I hoped I could get some advice on. I'm currently putting my tax/student loan contributions in a savings…
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saving for children
My mother has left my children who are 14 and 11, £10,000 each. What should I do with it? I want it to grow so they have something to help with their university fees. They don't have any other savings account. Any help much appreciated.
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Ditch or keep this unit-linked endowment?
I was wondering what others would do with this investment.... I've been paying about £20/month into a Unit Linked Endowment since May 1980. It was originally with Imperial Life - now Sun Life. The redemption value last March was quoted at £18,000. Total contributions to that date had been about £7,800. It matures in 2025.…
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Is TD Waterhouse the cheapest way to invest in Vanguard lifestrategy funds for my ISA
Have finally decided to invest in Vanguard Lifestrategy funds, probably the 80% or 100%, as I'm happy to take a long term view with some risk. Having read various things on here, it seems that investing in them via a TD Waterhouse S&S Isa is the cheapest way to do it. I will be investing a lump sum for the current tax…
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Nat West 2 year fixed rate bond
Hi, my husband and I deposited £5k into a 2 year fixed rate bond in March 2012. We have since moved to Australia and although we'd hoped at the time of depositing the money that we wouldn't need it before maturity we do need it now. I have read that early closure of the bond will cost the equivalent to 180 days gross…
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Harewood Associates
Has anyone heard of Harewood Associates? They are offering high interset monthly saver rates. Are they legit??????
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First Direct's 8% regular saver account - will it be back?
Hi, I LOVE my FD regular saver account. However, I know I can only pay into it for 12 months. Know it's impossible to say for sure, but anyone know how likely it is that they'll do a similar regular saver account after this one? Have they generally had a similar thing each year? Haven't been with FD long, so still getting…
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ISA Newbie
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Options for short/medium term savings accounts
Hi! Just wanted to run some things through you guys. Basically my rates on my savings will shortly fall of a cliff and am looking at various options, one is which is as follows: * Keep servicing my Santander 123 account as my main current account for income/paying bills etc but also for interest and cashback (excellent…
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Africa
Something caught my eye among the hectares of material HL pump out. I've been thinking of a dabble into Africa for sometime and then HL promote JM Finn Africa. I listened to the video, in part as nothing on TV at the moment and it's raining. The manager promoted the idea of investing into consumer spend increase. Then in…
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Bank of India (UK) - fixed deposit accounts
Has anyone tried to open one of these by post please? Was it painless? Looking specifically at the "Special Rate of 3.15% p.a. On GBP Deposits for 15 Months"
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Value of a charge on a house after divorce.
So this could be about Divorce or about House prices ... but in the end I decided to post it here, because it really is a question about the value of an asset - a charge on a property. Here's the scenario: After a divorce a husband has a charge on a property (25% of the equity after the absolute value of the mortgage at…
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Any more investment ideas? (AIM/ftse/funds)
Hi I currently have a few k spare and wanting to invest (lump sum or drip feeding), happy to take risk equally a high paying ftse 100 is ok. I am investing £50 into the below, thinking one option is switching one or more to BlackRock Emerging Markets Equity Tracker or BlackRock Continental European Equity Tracker both…
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2.6% for 18 Month Fix ---- Reasonable?
With interest rates at rock bottom and no sign of improvement for the foreseeable future, does the above fix seem reasonable. I can see rates going even lower if the BoE decides to cut to .25% The providers only need half an excuse to chop rates yet again. The government with it`s £80 billion Funding for Lending Scheme has…
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Aim stocks/ share tips?
Anyone got any companies to tip for a future S/S ISA? Already looking at XEL ( Xcite Energy ) BLVN ( Bowleven ) :beer:
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Which portfolio is better?
A friend has asked me to comment on his two investment portfolios. Apparently portfolio A is performing better than B. He has had both since 2008 with just one change, the addition of the Vanguard funds sometime last year. He says he is reasonably happy with the performance of portfolio A, but the first 3 funds in…
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Latin American Funds
Hi I'm looking for a Latin American fund with a high weighting towards Mexico. I. Found Fidelity Latin America (which has a 30% weighting) but found my provider (Standard Life) did not have this fund in their Fidelity range. I have been looking for other SL funds with above a 20% Mexico exposure. Has anyone got any…
