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Question on initial charges for funds
Hi All, I think I know the answer to this question already, but I would like to double check. If a fund has a Fund Manager's initial charge, does that apply for any new investment in that found, even if it's a top up or a regular investment? Therefore, if I deposit 5000 altogether or 1000 every week, do I end up paying the…
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Isa question
Hi guys, sorry to trouble you but I've recently opened up a cash e-ISA with HSBC. Long story short, I had a lot of money in my standard account and wanted to move some of it to get interest etc instead of it just being there doing nothing. On reading through the ISA information I've noticed that there's a limit (£5640 I…
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My Mattress Savings Bank
http://www.youtube.com/watch?v=92vp2fUqOPc After the Cyprus fiasco the Spanish have found the perfect way to keep their savings safe. It may catch on in Britain one day....
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A stupid move?
I'm not quite sure where this one belong (either the ISA forum or this one). After seeing that all three of my FelxDirect accounts have paid the 5% I am now considering closing my maxed out NS&I ISA @ 2.25% and spreading the money between all three accounts. the ISA was only opened at the beginning of February so not much…
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Transfer or Withdraw my ISA? A few days! Eeek.
Hi everyone! I'm new at this, please be gentle! :o Last April I took my first ever ISA with the Co-Op .. its a cash ISA. Being new and not knowing what the heck I was doing, I realised EVENTUALLY! that the % was awwwful. I paid into to the limit £5640 When I realised how LITTLE it made me that year, I withdrew some of it.…
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barclays instant access isa help
hi all i opened my first isa last year with barclays. now the new year is coming up i could do with some advice i like to keep things simple so don,t want to go chaseing different rates . do i need to open a new isa with barclays or can i just carry on paying into the same one has last year . i understand about only…
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Children's Bonds - being able to see the person who has given money
Hi, I have some bonds with NS&I for my children - before September last year, anyone was able to give a bond, and it was written on the statement who gave it. Now they have changed all the rules so that only parents and grandparents can give bonds, which is silly - it means their aunts and uncles and godparents can no…
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Do you have to wait till 6th April 13 to get a new ISA?
Hello The title says it all! I've had my 2012/13 ISA, it's full and looking for a good rate for 2013/14. Do you have to actually wait till after 6th April to apply for one? Also it looks like Santander 2.5% is the best easy access at the moment. If you wait till 6th will rates be better? thank you
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Monthly Shares ISA
Hi all I want to start investing in shares for around £300 a month and wrap it up in an isa. Done some research and found companies like iii and iweb that charge around £2 a trade. Really want something that doesn't hit you too hard with large annual charges given how small my portfolio would be. Anyone know who the best…
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Old HBOS shares
I know this is really not financially savvy but I have just found my old HBOS Share certificate ... I can not find anything which updates it .... is it still valid? If so, is it worth anything now? Thank you, Jackie
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Low - Medium Risk Investment To Keep Up With Inflation Over 2 - 3 years
Any suggestions welcome. We plan to buy a second house in 2-3 years time. Looking at having a £50K deposit which is currently at the £16k mark and saved in cash ISA's. This is currently in ISA's paying 3.5 / 3.7 AER respectively between myself and my wife. Both these products expire in a weeks time and we need to move the…
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ISA Transfer & Allowances
Hello, I've transferred my current ISA to another provider. I have only paid £500 into this ISA when it was with my previous provider. Am I correct in thinking that I can still pay up to £5140 in this tax year even though I have transferred it to a new provider? Many thanks.
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Santander year offer finished-Time to move
My Santander introductory year rate has just ended so it's time to move on. Are there any good offers out there for a flexible savings account ? Thanks.
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MSE News: Laiki Bank UK savers to escape Cyprus banking levy
"Around 15,000 savers in the UK arm of Cypriot bank Laiki, will have their deposits protected under British rules..." Read the full story: Laiki Bank UK savers to escape Cyprus banking levy Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
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Quick ISA transfer question
Hi Guys, I currently have an e-ISA with Nationwide (3.10%) - and looking to transfer this to santander 2 yr fixed ISA (3.00% if you have santander123 current account). I think i get interest paid for the e-isa 31st August so therefore i assume i shouldn't move till after that date?
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Special Situations
Hi, Can anyone please give some advice behind the Special Situations funds? e.g. How do they work? Any pitfalls to be aware of? Any tips as to where I could find the best fund? Many thanks in advance
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Abderdeen EM - New charges
Just a question on Aberdeen Emerging markets fund – its well known they are introducing a 2% charge on this popular fund, is this limited solely to new investors? Meaning existing investors will be able to continue contributions without this charge or will it apply to all new deposits regardless of previous investment…
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Halifax Web Saver Extra?
Hi Does anyone have this old account from Halifax still showing in their list of online accounts? Can you confirm the rate and when this is likely to expire? Thanks
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Looking for some advice
Hi Guys A little background, am 30 married with 2 kids under 2. We have approx $40k in gold and silver stored at the bank and $10k in cash and $10k in some mining shares. From the UK but have been working in Vietnam for 5yrs, I have just been promoted and as such my salary has increased. We are pretty bad at saving, the…
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Opening a Savings Account for Elderly Parent?
Hello, my elderly mum has asked me to open a savings account for her so she can put some money away. However this is her first account and she has no credit cards or anything in her name. I've opened a 5-year fixed for her in the past, but all I did then was to open it myself in my name and just put her money in it for…
