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Can I beat this rate?
I have an instant access savings account with what is now Virgin Money (I opened it just before the Northern Rock brand was consigned to history) It's used as a household emergency fund so I need to be able to get instant access to the funds by transfer should I need to (for example I'm going to need to dip into them to…
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Barclays Everyday Saver - Should I Move?
So I've just received a letter from Barclays saying that an introductory bonus of 0.55% gross p.a ends as it has been 12 months since I signed up to their scheme. Now, not being that knowledgeable about banks, I'm unsure whether I should move elsewhere? I don't fully understand what sort of bank products I should be…
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National Savings Website
Anyone else having problems logging on to the National Savings website. It's been down over the Bank Holiday for maintainance but now I just keep getting timed out :(
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Investment Help
Hi, I am 26 and in fulltime employment and I'm looking at investing for the long term. I used to hold a portfolio of HSBC tracker funds that approximated the world index and the L&G emerging markets fund. However since iii have changed their fee's structure and now charge to buy funds I have changed my strategy. From…
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co-op - is my money safe
i have accounts with Coop. also have cash ISAs with Britannia and Axa (share ISAs). total is over the £85K - so should I move money to another saver not linked to coop to ensure all money is govt protected should co-op go under? I assume co-op and britannia count as one financial institution. what about Axa. best to move…
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Surviving Downturns
Many of you lovely investypeeps have been plodding along with investing for many years and in just a week I have learned so much from you guys. I was wondering what your methods are for keeping cool and collected when there is a major downturn. How many stock market downturns have you experienced in your investing life and…
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£30000, what to do with it
10 which is already in a fixed interest isa, 20 in an index linked isa. Want a greater return. At the moment I have student loan debt, no degree as of yet, no mortgage, am 26 and single. I have been living at home with family whilst debating my next move. I have a keen interest in financial markets, have thought about…
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Cash and Fixed Interest savings
Where do people include cash and fixed interest savings in their total portfolio make up? Say hypothetically, I have a 20k SS ISA in a 60/40 split equity/bond fund, I have 10k sitting in an easy access ISA or savings account for emergency purposes, and say 10k in a Fixed Rate ISA for 2 years. Would people class the Fixed…
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What to do with small pension pots when your young.
My previous employer paid into a pension scheme on my behalf. Its current value is £4300.00 I never wanted a pension as I have my own long term interments for the future. What are my options?I have been told by Friends Life Limited which my pension is with I cant get it out until I am 60alternatively I can leave it frozen.…
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Investing returns
Hello! I should be starting to invest in the next few years (after sorting en emergency fund) with a timeframe of 35 years. I was wondering what are the average returns from investing and is it possible to create a portfolio which gives an 8% return per year? What is the highest return one can achieve/expect? Thanks
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Fixed rate thread - where is it?
Am I being dafter than normal? I thought some kind person kept one up to date - but after multiple searches I just cant find it. Have I imagined it?
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Yerp
Not read much about Europe investments since the start of the year, I've got the impression that it's been asleep for a while. But I don't hold any and am looking to diversify a bit more. What Europe funds do people own, and do you see them as risky given the recent instability? Or have things calmed down a lot?
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Where to put my £150 per month? Which tracker funds?
Hi all At the moment I've got £150 per month to invest into tracker funds. I know it's not very much but at the moment I am concentrating on paying off my mortgage. I want to start investing now so in 3 years when I have more money to invest, I hopefully well have more of a feel for investing. That's my theory anyway!!…
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Liberty reserver seized by feds!
http://www.bbc.co.uk/news/technology-22680297 Not just used by tax dodger and the dark economy. Big question is will we get our money back or will it be written off. I know in its very nature its going to bring up issues with the tax man for a few people. I only thought it was being ddos'ed on thursday. not a great start…
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Premium Bonds
anyone got them, anyone won anything? thinking about getting 100 quids worth
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The White List Portfolio ISA
In another thread someone mentioned The White List for people like myself seeking income and growth. Basically it is a portfolio managed for you that appears to consist of a group of Equity Income Funds: * Artemis Income * Aviva Investors UK Equity Income * Cazenove UK Equity Income * Fidelity MoneyBuilder Dividend * JO…
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should i buy property
hello situation is despite my username, and largely due to years of tight budgeting AND a large inheritance, I find myself with c 65k of cash (premium bonds, shares, and yes cash) - and no debt Apart from mortgage debt - c110k on a property worth around 180k. The mortgage is being overpaid each month and I cut term a…
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How to sell part of my ISA?
Hi I have a newbie question. I have been drip feeding a stocks and shares ISA with Fidelity for a long time now, but I need to get at some of the cash now! The investment is spread over a number of funds, but I wish to sell from just one fund - although this fund is spread over a number of years. However, if I log in to…
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What's your method of saving money?
I have started trying to save money, so to do this I'm driving as economically as I can. Our car has Cruise Control, and I live 30 miles from my work. So, by doing 58mph @ 2500rpm I am getting a much higher MPG than when I used to drive @ 70mph. I would say it is totally worth it because instead of filling my car every 4-5…
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Portfolio Construction!
As you all know I have been quite renegade in my approach to investing since April and have taken time out to calm down and get better informed with Tim Hale and also David Stevenson (Investing for Income). I have now started to compile thoughts for a new and hopefully more balanced and diverse portfolio which I want to…
