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RDR/RDR2 - What does it imply?
Why did RDR happen and why is RDR2 happening? Is it because the finance industry was fleecing their customers by lining their own pockets by selling commission based products? IT sales are up compard to pre-RDR days - why is that? Have they suddenly become more desirable over other products that paid a commission? It makes…
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How to get exposure to price central London properties
These solutions look like a good bet ... http://www.everyinvestor.co.uk/news/2013/04/30/how-to-get-exposure-to-london-property-1932/
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Tesco Bank Internet Savings
Anyone know how I can find out my current interest rate for this account? I'm going to assume its 2.6% (opened last October), but I can't seem to find that figure anywhere. They certainly don't make it easy to find. Is it possible to deposit funds via FP? I only opened it for the DDs, but now it looks like an attractive…
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Business savings - where can I invest them?
Hi everyone, I was wondering if anyone could recommend any resources or ideas on where I could invest some money which will otherwise sit in my HSBC bank account on call earning next to nothing. I understand you need to use business banking products, or at least invest under the business name, does anyone have any…
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Fidelity Moneybuilder balanced fund
Has anyone got this fund in their portfolio? I want to add it to mine but it only appears available in (inc) format rather than (acc), however, the literature suggests that dividends can be re-invested on request to buy more units. I want to buy this via an online fund market( cavendish) but think I will just end up with…
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Fairest way of saving for kids!
I have two children, one aged 13.5 and one aged 10 Up till now I've not put any cash away for them, as I thought getting the family debt free was more important. Now I'm looking to put some cash away for them to provide a small lump sum on their 18th birthdays to go towards a first car or similar "start of adult life"…
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Tesco screwed me, how can I get money back?
Basically I took out a Tesco credit card due to the 0% interest offer and was using it for all purchases and just keeping the amount to pay if off in a savings account. I noticed on my account that I could do a money transfer from the credit card to my bank account, but after reading on the their website and terms I wasn't…
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Gifting Help...
Hello Everyone, i was wondering if anybody could help me with my situation... My mother has been in discussions with me about taking over the deeds of their house. this would essentially mean that i have the opportunity to take ownership of our family home. obviously with the intention that they will stay in the property…
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US Stock Trading accounts
Hi All, I have a tricky question that I've searched the internet but cannot find a good solution to. I have a US Stock Trading account with several thousand dollars in cash from dividends sitting in it. I've wired small cash amounts in US dollars (<£200) using the SWIFT method back to my Nationwide account before, but got…
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Maturing Yorkshire ISA
My Cash ISA with Yorkshire Bank matures in May. I am not impressed that the letter they have sent me says that I can reinvest in their new Fixed Rate Bond (ISA) or I can... 1. Invest additional funds 2. Part withdraw funds 3. Switch to another Yorkshire Bank Product 4. Close your account What about transferring to a…
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Share Jinx
I am sure I am a share jinx. Why is it when I purchase shares the next day they drop yet for previous days and weeks they have risen. Tesco. Purchased these. Next day they dropped by 8p a share yet had risen prior to that. National Grid. Purchased yesterday. Now down 2p yet previous day had a significant increase. Most…
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14% guranteed return? To good to be true right?
Only had a few minutes to consider this as I'm very busy so forgive any ommisions/ lack of detail. Just been offered a non regulated investment product that apparantly guarantees me 14% return (and if I sell it to others they get 8% and I keep the difference between the 14% and 8% rate - don't worry I wouldn;t for a second…
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Shares selling of
Hi everybody I've come on looking for advice on shares. I have a small amount of shares that I got given from my old company when I worked for them . I got them in 2004 but I then left the company later on ,anyway they have sent me a letter basically saying that they want to buy them back at a set price ,also they do not…
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First Direct
When switching to First Direct is the banking free or is it one of the accounts you have to pay £10 per month, the requirement is that you have to pay a minimum £1000 salary from May. Regards, Garcon 6.
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Transfer money from US Dollars to British Pounds
Hi guys, Well basically my dad passed away earlier this month unexpectedly and his life insurance via his company have sent my mum a cheque for around $500,000. I have checked and that works out to be around £322,000. Basically how can she get the best conversion rate and she has had advice that she does not get taxed on…
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Christening investment gift
I'd like to set up some kind of investment for a friend's child as a christening gift. I have about £100 between me and some friends to get it started. Anyone have any sensible suggestions as to how we could invest this?
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Software to Monitor Savings and Investments
I have several savings accounts with different banks and building societies + other assets such as stocks and shares. Basically, I looking for up to date software which works on Windows 8 where I can monitor the value of these items on one page. It would be useful to have additional features such as the ability to produce…
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Index tracker - platform charges
Im a bit behind the times and have only just noticed that my HSBC All Share Index Tracker with Hargreaves Lansdown has had platform charges added! As I only have the one investment, would I be better off gong directly to HSBC - so that I wouldnt have to pay the charges? Would I lose anything for transferring the funds?
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Halifax shares/Lloyds TSB
Deleted this post matter resolved - sorry
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Small Cap exposure
Slowly plodding my way through understanding the world of investment. Using a generally passive approach (i appreciate some will argue re-balancing a portfolio/picking set funds is not really passive) most of the funds i have picked mainly focus on large cap companies so i was looking for a decent small cap exposure for a…
