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SIPP - any advice?
Hi Folks, like a lot of you, i have a mixed bag of pension funds going back 24 years with various employers. i am looking into opening a SIPP and transferring older funds from various investment houses (scottish widows and the like) and self-managing. There are a number of reasons for this - I'm an experienced share trader…
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FLEX DIRECT OVERDRAFTS x 4 ARE FREE FOR 1 YEAR
Response to email. Thank you for your message. I can confirm that all your FlexDirect's overdraft are £900.00 and that they are free for the first year. I would like to thank you for contacting us. If you need anything else please reply to this message. Regards, Customer Consultant E contacts Customer Service and…
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Cash ISA v Reducing mortgage (long term impact)
Usually it's obvious what we should do with any 'spare' cash, reduce debts before accumulating savings, but I'm not sure in this instance. I've saved a fair amount in my Cash ISA ever since these were introduced, and move my fund pretty much every year to get the best rate. I'm currently getting 3.3%, but that ends in…
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Where to £110K?
My family and I are relocating and have sold our house. We will be renting for a year and so have approx £110K to invest one way or another. Once we are settled in the new area we will be looking to buy so the investment will probably only be for a year, but may be a little less. I would like to be able to access the money…
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So much for €100,000 protection - Cyprus bailout
http://www.bbc.co.uk/news/business-21797888 Ouch! That's a real kick in the gonads for prudent savers. I'm assuming UK savers with Cyprus banks should check who protects their savings. Some will be FSCS, which I'm guessing is fine. What about the others?
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Bank paid out my ISA to my partner, by mistake & without permission.
Hey MSE, I'm actually posting this on behalf of my Mum and her partner, I will explain the scenario as best as I can: please tell me if you need more information or if I've posted in the wrong place, I'm a noobie here! My Mum's partner, 'Joe' for simplicity, received some of his pension a couple of years ago in a lump sum,…
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Asia Pacific - Moderately adventurous or too risky?
I have some money I'd like to put in the best possible medium term vehicle. Having divided it into portions and used the cash ISA allowance for both me and the kids, I'm thinking about a stocks and shares ISA. Am thinking a passive fund with low TER. So a tracker for security but something more exciting than the FTSE All…
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Need some advice, regular saver or ISA or fixed rate?
We are currently moving mortgage from a First Direct offset to a fixed rate with Britannia so it's been 5 years since I have had to bother about what to do with our savings. We currently have about 7k that I moved to FD from an ISA I had, we also have about 4.5k saved which we dip into on and off when we change car, house…
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N&P reg saver - 'bonus payment'
Mine has just matured. Well, it matures tomorrow but looks like they've paid out today. I paid in the full amount of £250/month. I got interest of £34.50 net (makes me wonder why did i bother as i thought £3k would've got me more than that). Also a bonus payment of £20.70 net. What's this all about? Are they just being…
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Where to put money?
£56000 to put into savings , don't what to take risks.
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Fake FSA websites warning
http://www.fsa.gov.uk/consumerinformation/scamsandswindles/latest/fraudsters
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NHS pension
I am 56 and about to take flexible retirement and continue working part time in NHS until I am 60. I have a good pension and choice of higher pension and lower lump sum or lower pension and higher lump sum, I dont know which one to take.I have no mortgage. I don't get my st ate pension until I am 67. Any advice?
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Can I have more than one share ISA?
I have a share ISA with broker A. In April can I take out a new share ISA with broker B, but leave the other one running? If so, how would the existing ISA with Broker A work? I assume I wouldn't be able to add any more money to it, but that I would still be able to buy and sell shares within it?
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First time Share Buyer - into a growing business
Hi there I have been looking for investment opportunities and have discovered an already established business looking for private investors. What questions do I need to ask though before committing to buying the shares? Sorry if I sound dumb but my friends who are already good share-buyers don't seem to want to share their…
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Any Decent Savings Accounts (not ISA)?
Are there any half decent savings accounts out there, which are actual savings accounts? It seems my ISA deposits must be in by May of this year so I can't regularly put money away there, plus I may need to save more than what is allowed. I'd rather not have a normal current account. My current HSBC savings account is at…
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where to invest?
My husband has decided to take early retirement this year, so will come out with a lump sum and a pension, can anyone tell me the best place to invest about £50,000 at the moment as we just dont know where to put it?
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Short term saving account
I will shortly have just over £100K from the release of equity from a property which i am planning to use to buy a property in Italy. What is the best short term plan? Should i just put it in a savings account?
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Shares v Credit Card
Hi, I have some shares in Standard Life that are worth nearly £1k now - which would put a good dent in my credit card bill. Should I sell my shares or not?? Thoughts would be gratefully received! Thanks! Stephanie
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ISA Transfer,s
Hi martin, ive got a question. Hi have a 2012/13 cash ISA that will shortly drop to 0.5% I also have a S&S ISA which is currently netting me about 5% on my investments. I have already put my 2012/13 allowance into the S&S ISA and have got money set asside to continue this for 2013/14. Q: can i transfer my 2012/13 cash ISA…
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savings rates and rate of inflation
I'm trying to clarify the best way to try and accrue some decent interest on our 'nest egg'. As I understand it, the current rate of inflation is around 2.7%. I've been looking at easy access accounts, investing for 1 year and the interest rates are about 2.1 -2.2 % If the rate of inflation is greater than the interest…
