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Expectations of the budget tomorrow and market reactions
So the 2013 budget is due tomorrow lunch time, and this year there was been little 'leaked' information. A lot is expected to be announced though What are other private investors predictions on the market reaction to tomorrows budget? Do you see any key points that would cheer the market, or scare the market? the problems…
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NSI easy access income bonds
I have seen lots of comparison web-sites looking at savings interest rates etc but know little about these bonds.According to their web site they are 100% secure.Is this true because they are offering a good interest rate 1.75%? I am thinking of putting a lot of money from a house sale into an account(or several if i have…
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PO turned down my application for a savings account.....help!!
Hi i'm a newbie and in need of some sound advice. Here goes.....I opened a full ISA in december 2012 with the PO with no issues. Then just over a week ago I applied for a savings account with the Post Office starting with a £500 deposit and received a letter a few days ago to say I had been declined after analysis of fraud…
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Universal Lifestyle Collection inside Pension - Costs?
Hi All I have a pension with Scottish Equitable which I've left invested in the default fund, Univeral Lifestyle Collection. A quick search online reveals a thread or two where it gets generally ok reviews. However, looking at the factsheet, part of this fund is invested into a further four managed funds. What kind of…
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Best Savings Rate
As of March 13, who is offerring the best savings rate? I know MSE has some "top" accounts listed, but there are not many. Ideally I'd like: Best rate (if it drops in 12 months, I'll switch again) Monthly interest Apply & manage online No penalties for withdrawals. This is not an ISA Im looking for (maxed out). Currently I…
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working out true TER after discounts
Thinking of going with fidelity pathfinder fund for the simple reason as i am unexpericed in the field and would prefer the experts to manage it for me. The fund is 25-75% towards equity. Fidelity PathFinder Freedom 4 Fund Features Dynamically invests in the best investment managers from across the market, from Fidelity…
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Charles Stanley Direct for Vanguard Lifestrategy
Has anyone used Charles Stanley for this (or I guess any other ....) fund as they would seem to be cheaper than the other favourites HL for small amounts (e.g. 1 years ISA allowance) Always good to get recommendations from others on here ! Thanks for any replies.....
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Share holding.....
A few years ago I inherited a number of shares. For sentimental reasons I have kept them. In the past few months they have been doing well (SSE) and the dividend isn't too bad either....it goes towards the winter fuel bills. I like the irony of a energy company paying towards my energy bill. Anyhow as I hold a S&S ISA is…
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First Time Buyers - Bristol Need Advice!
Hi there, My partner and I arein a position to buy our first home, and we want to make sure we are gettingthe most for our money and making a wise move so we’d really appreciate some advice as to the kindof area that would be a good investment. We are particularlykeen to find somewhere that is up and coming where we could…
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Moving money to meet pay-in limits
Just wondered if this was legal / allowed ... for example, getting salary paid into a Halifax Reward account and becoming eligible for £5/month bonus, then transferring that cash out to a Santander 123 account to earn interest on the balance for the rest of the month.
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35 grand what to do with it?
I have inherited this sum. If you could do anything with it, what would you do? Im in my mid 20s, no degree (with no view to going back just yet), and do not own my own house. any advice thoughts insights, be as wild as you like cheers
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Suicidal Investment Strategy?
What do you think of this strategy? On a fund evaluator like Fidelity, If you order the funds by their percentage increase in 2011, you will notice more often than not that if the fund had a very good year, it is likely to have a mediocre / poor next year. In fact, if you order the funds by how well they did in 2011, all…
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Santander 123 - terms and conditions
I am considering changing to a Santander 123 current account, where I am an existing customer. I have read the terms but didn't understand the following. I wondered if anyone could explain what the bullet point below means? I use ATMs a lot, but without charge. "You currently benefit from a no fees product. When you…
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Santander Cash ISA
I have a cash ISA with Santander and the bonus rate is about to end. Would it be a good idea to transfer to their latest ISA now, and then open another one in the next tax year? I may be able to move some of my cash into a fixed rate ISA during the next tax year but don't want to tie up all the money I already have. Advice…
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Was there an equivalent to the Child Trust Fund for a child born in 1996?
Hello I wonder if anyone can help....my husband and I are trying to see if there would have been any equivalent to the Child Trust Fund for a child who was born in 1996? Thanks Natalie
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Child Trust Fund equivalent for child born in 1996???
Hello I wonder if anyone can help....my husband and I are trying to see if there would have been any equivalent to the Child Trust Fund for a child who was born in 1996? Thanks Natalie
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Using IFA's
Not sure where to post this, could have gone in pension area, but here goes. I seem to remember a quote that goes "A financial advisor is someone you give your money to, until there's none left". I am curious why there don't seem to be any financial advisors who work on a 'no gain, no fee' basis and why they can charge say…
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Savings account for grandchildren:
:money: Hi. Anyone able to advise on a savings account for grandchildren? I can only put £100 into each. What's available and what's best for security (or is that a joke word, regarding banking, these days ;) and return and perhaps even an added £s for opening? :undecided
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Good International Share Dealing Platform?
Hi there. I currently hold a reasonable portfolio of UK equities in standard nominee accounts and S&S ISA nominee accounts. These are currently held with Barclay's stockbrokers Limited (BSL) which I have been with for around 7 years. I hold a majority of UK shares, but am looking to diversify more internationally as I add…
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CIS Ordinary Section Bonus
I have been clearing out some paperwork and come across an undated letter from CiS which is titled 'Ordinary Section bonus'. It refers to a policy that was due to mature over ten years ago. I have no idea what it refers to - does anyone know what it might be? The letter isn't dated and talks about a reversionary (sic)…
