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Trying to consolidate my S&S isa portfolio
Hi all,I am currently looking at consolidating all my S&S Isas,currently I am with Hargreaves,Fidelity & Skandia in total approx 120K. I have been looking at the HSBC global investment centre because I fancy a punt on the HSBC trackers,can anyone advise of any costs or pitfalls I would have transferring my portfolio,or…
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Saving accounts
Hi all, hope I've posted in the right forum, I'm looking for some advice, what I'm planning to do is have my own house built, I intend to remain in my present house and move in on completion, so to finance the operation I will be cashing in my savings ie stocks and shares and various accounts, as the builder will want…
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Interactive Investor at it again...check your statements
In June 2012, I closed my account. In Sept/Oct I was charged £20 along with many others. It took Interactive Investor about 10-days to refund the money with an apology for their mistake. They assured me that my account was now closed and that no charge would be incurred. Guess what? Today, another £20 out of my account and…
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Understanding TER fees
Hi, I have a S&S ISA with Hargreaves Lansdown One question I thought I knew the answer to but then started second guessing is: When is the TER on each fund paid? H&L list my current gain/loss %, are the fees already accounted for in the fund and I don't get a separate bill at some point? Is this % Net or Gross? (I have 2…
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More money/investing Issues
Hello my mother has £49,000 in a 75 day saver (Nationwide) and just been told the interest rate is going down to 1% gross. Obviously keen on moving this money but considering investing it in funds etc. rather than cash seeing as she doesn't need it for 5/10 years. Would a FTSE tracker be any good? Obviously just looking…
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Next ISA Portfolio
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Punjab National Bank
Hi all I will have some money to invest soon so I'm regularly checking the top one-year fixed rate bonds page on this website, as well as other sites, to try to get the best rate. I notice on money.co.uk that Punjab National Bank have got a great rate at the mo - 2.9% gross - but I'm a bit worried by the fact that it…
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Foreign Exchange Fund
Hello: Is there a Unit Trust or ISA that is about trading foreign exchange? ie not equity and not government bonds but based on trading foreign currencies. Thank you.
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Is there a catch?
Hotel rooms and villas are being sold for a 'Resort and Spa' development in the Carribean. The deal offered is 50% or 100% ownership of a room. The room as a property is 'independently' valued at £100,000. 100% ownership can be purchased for £50,000 (50% discount on 'market value') or 50% ownership for £25,000. Taking the…
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What do you guys do to maximise your investments?
Hi I recently managed to secure a decent job with a decent salary (I think :p ) and I can afford to save up to £15,000 a year. I was wondering how you guys go about saving and investing in order to get the best return. For example I know that the ISA allowance for 2013/14 will be raised to £11,520. I can fill that quota…
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China Special Situation Fund - Fidelity UK
Any Fidelity UK China Special Situation Fund investors? OK, so I made a huge mistake but now... at least rising to 90. Was far too stressful over the past year since I had no idea that this was such a volatile market. Should I just sell now while my losses have not been too great - or wait for a bit now that they are…
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ns&i
Is there any way of getting in touch with the NS&I office in Glasgow except by post?
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Are all S&S providers now RDR compliant?
I am thinking of transferring my S&S ISA to another provider with lower charges, but was wondering whether we should expect any more fee changes in the coming year or have they all now finished them.
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How to start an ISA for neice? Can they be 'locked'?
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Where to put £250,000?
Hey guys, Bit of background: My grandad had a stroke a couple of months ago and will be moving into a nursing home in the next few weeks. So this will leave his house empty. What are peolpe's opinion on selling now or keeping hold of the house and renting it out until the market improves? If we were to sell now what would…
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Any of you (especially recently) opened a Post Office saver?
Figured some of you might've done this to meet the upcoming Halifax £5/month requirements. Anyway, today received a letter through from PO which has the 6 digit security number on it. Letter says that i'll need this along with my DOB & my Online User ID to log in. I've no idea what my online user ID is. Don't ever remember…
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First direct savings accounts?
As a current account customer of First Direct for a few years now ( although I do have ajoint account elsewhere as well ) I was looking at their website today and in particular their savings accounts. What struck me was how truly awful the rates were - with the exception of the Regular Saver and it got me wondering Does…
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Cash ISA & Shares ISA and moving abroad
What happens to cash ISA and shares ISA when we move abroad and ,if we donot return can we withdraw all the money without having to pay tax?
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New:0% initial charge
From Artemis, about time, have the others scrapped the initial charge as well? http://www.artemisonline.co.uk/
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Warning: NatWest E-Saver (from October 2012)
Hello folks Just a quick word for those that took out the NatWest E-saver in October 2012 (it was an MSE best buy but was quickly over subscribed and removed) - CHECK YOUR ACCOUNT INTEREST RATE! I just checked my online bank account and saw the interest I received was low. I popped into the local branch of NatWest and…
