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Savings & investments

Archives for February 2013

ISA after a Death?
Does a savings acc exist where I can deposit whenever but only withdraw after a date
Does a savings account exist where I can deposit whenever but only withdraw after a certain date? I have searched everywhere and always thought this would be a no brainer. Any help you can provide is greatly appreciated. ;)
Cheshire Building Society - Platinum Monthly Saver - Issue 6 - Transferring money in
Evening everyone. I opened a Cheshire Building Society - Platinum Monthly Saver - Issue 6 a coupe of weeks ago. And I'm going to transfer some money across tonight/tomorrow for my 1st monthly installment. I'm transferring money from my 1st Account with FD and I'm a bit confused as to the details I need to enter. I was told…
Cash ISA now or after april
Portfolio % and individual shares
Sorry to bother you all. I am aware of rebalancing your portfolios to whatever your prefered % are which i can see is relatively "easy" to do for funds. However reading alot on this forum, some of the more advanced users buy and sell individual shares aswell for dividends, profits etc. When you buy these shares do you take…
Where to put £25k
My husband is about to inherit roughly 25k, we are looking for advice as to the best place to put it. We both have ISA's and savings, no mortgage, no debts to pay, so this money really will not be needed anytime in the near future. With the interests rates so low, is there anything that can be done with it that maybe will…
Selling shares that have been inherited-tax position.
I inherited some shares from the will of my mother 3 years ago. If I wanted to sell them do I pay tax, I know the value of them if sold all of them would be approximately £13000. Does something which I think is called capital gains tax when the profit is more than a figure of around £10000 I think.
Advice please - my general situation and Vanguard life in particular!
Advice please…. But first apologies for the VERY long post. As some of you may know from my previous posts, I am now fully retired (very early!..) from 55 (I’m now 57….) and have been part retiredfrom 49. I have three pensions coming in that exceed my monthly outgoings by circa £550 per month, biggest one final salary…
Pension v S&S ISA v House
Hi Guys, looking for some advice really, coming up for my 25th birthday and deciding on a few things financially, I earn around £1500 a month after tax with outgoings around the 700-800 quid mark. Have a pension with £300 quid in it and my employer doesn't contribute to this, I'm thinking about putting 2 or £300 a month…
Cash ISA rates
Hi - in previous years, have ISA rates tended to increase in March ?
Recommend an online broker who'll deal shares listed in Tokyo?
I've got my eye on some plucky contenders on the Tokyo exchange; my habitual online dealer doesn't cover it, and a lot of the ojnline dealers don't make it very easy to find out exactly what they do and do not deal in. Can anyone recommend a decent online broker who'll buy and sell equities listed in Tokyo?
Is gold the best option?
Hi. I have come across somebody in the course of my work who has started to save a large amount of cash in their home. Obviously in most people's opinion this is pretty foolish. However, regardless of whether it is foolish or not, the individual is adamant that they are not going to put their money into a bank or building…
A bit of advice please - policy maturing
Hi. Approx 15 years ago, I took out insurance policies on my daughters and one of them matures shortly due to the age of my eldest, as she recently turned 16. Due to her age, I don't think my daughter should receive this money just yet. The insurance policy has both my daughter's and my name on it but I think the cheque…
Which savings account do i need?
I am soon freeing up a £210 Direct debit and want to put £150 a month into an account which i cannot touch for 3 yrs. I have looked at these 3 yr locked in savings, but they all seem to want 1 lump sum and thats it. I am after one where i can just save monthly via DD or standing order, where i can't touch it. I could do…
'Glut of savings the fundamental cause..'
... of pension problems. It's from an article in The [Glasgow] Herald http://www.heraldscotland.com/news/home-news/workers-facing-retirement-at-75-x.20374515 I don't know much about the savings and investments markets as I'm new to both really but this statement is astounding. Do I buy a large box and stick my money in…
STOCKS AND SHARES ISA's
My mother has £200,000 cash to invest for retirement, please help!
Hi, My mum wants me to help her figure out what to do with her cash for retirement, I'm totally confused. - My parents have just completed financial separation. - My mother is 58 and has a very small civil servants pension from before they married. She has paid enough contributions for state pension. - She owns her home…
REITs
Am thinking of investing in a new REIT tipped by Investors Chronicle (Target Healthcare). Do REITs pay dividends in the normal way ie 10% taken off before you get the dividend? This one definitely talks about 'dividends' not income http://www.targethealthcarereit.co.uk/ thank you
Legal & General F, R and I class units
Hi, I hope you can help. Prompted by a baffling leaflet from L&G in with my ISA statement, I noticed that the UK Index trust has an AMC of 0.4% for R class units and half that for F class. F class is the clean share class version of the trust for post RDR business. I am invested in R class units and do not have an adviser.…
testing my investment mettle
Hi All, Started my very short investment career last July after lots of time researching and sitting on cash holdings. Went for a passive approach and loaded up on the trackers I wanted with the weightings I wanted them in. More through luck than judgment they've all gone up decent amounts and the average % over 6 OEIC/IT…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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