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What is a distribution fund?
In plain English please guys, I'm new to this. What are the main features and are they a good option for a small investor? Thanks for your help!
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Redundancy payment 30K+
Hi All, Would be grateful for any and all advice... My husband is due to be made redundant in December. He is fortunate to be receiving approx. 38k payoff. We know that 30K of this is tax free and 8k will be taxed at higher rate. 9.5k of the 30K will be paid to a 0% credit card we recently purchased a car with. We plan to…
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advice needed please
hello we have 2 isa,s with Barclays and have just been informed that the meagre interest rate applicable is reducing on both of them shortly,,were ordinary working people who have spent 35 years getting to were we are now,,we have about another £5000 to invest or save now and the 2 isas are worth that amount each,, we can…
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Conflicting Barclays historical share price data between Google/Halifax.
Little bit of help here please: I usually buy and sell shares using the Halifax online dealing service and find their market data very useful. However, while tidying up my trades for this year I noticed in their their Barclays (BARC) data they show a 1 year high here of 308.39 but I knew (and my trade history shows) that I…
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Telegraph article-bond funds..
http://www.telegraph.co.uk/finance/personalfinance/investing/10324379/10-bond-funds-that-will-weather-the-storm.html Now im not one of the mega wealthy and this may be because im failing to understand what others preach as received wisdom but the bottom line to this article seems to be QE tap off or tapering= bad for bond…
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Monthly Income
I have a bond maturing and was wanting to put the amount of £25,000 into somewhere i can get a monthly income i know it wont be a lot was thinking about putting into a 5 year bond paying 2.96% interest. But i think 5 years might be to long as i expect rates to rise in that time so i am thinking of monthly income trusts as…
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ETF's held in Certificated Form?
Dores anyone hold ETFs in Certificated Form? (not through an online platform) I tried to withdraw my VWRL ETFs in Certificated form. It went through but was later reversed. I was then told they can only be held in CREST.
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Best Interest!
Saving is a rather new concept for me, but I am determined to give it a serious go! :T I am really not up on what is the best saving rates, so can someone recommend a decent saving account where I can deposit up to £200 - £300 per month. A few pointers...* I might need urgent access to funds but this is not 'that…
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Anything else I could be doing?
Ok dokey - I get paid weekly as I'm temping but despite the temptation I make sure that i'm putting away up to half of my wages into a savings account (but I admit i'm lazy and haven't shopped around; i'm just trying to get into the habit of regular saving) I have ISAs doing....very little. And to be honest, I haven't…
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Best branch only access account?
Hi all, I'm looking to open a savings account that accepts direct payments to have my child benefit paid into. I would ideally like it to be branch only access as I think that will help me keep the money in the account but I would like the option to make withdrawals if needed (with or without notice is fine). Does anyone…
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Premium Bond Syndicate Agreement
Does anybody have a written agreement in place for a premium bond syndicate? Looking to put something into writing and could do with some advice to what it should contain. Thanks.:beer:
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Royal Mail Shares - Buying is fine, but how to sell?
I've never bought a share in my life but the buzz over the upcoming Royal Mail sell-off has me interested. I've found dozens of articles on whether you should buy RM shares - but not one mentions how you sell them and what the fees (if any) would be involved in doing so. Pie-in-the-sky scenario: If I buy say, a £1000…
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7 day current account switch with Nationwide (or not!)
After being messed about by the Lloyd's and TSB switch and the new 7 day current account switch coming into force, I looked around for the best current account for me. Having decided on Nationwide Flex Plus, ZarasMum and I went into our local branch of Nationwide to arrange the switch. We had fantastic customer service and…
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8 year to make 10K into 20K ?
I,m a newbie and have been reading and researching for a very short while on the site - dont get me wrong please I am willing to do my homework here but would appreciate any help / advice you guys are willing to share re- my predicament - my aim is to convert my 10k lump into as much as possible when I reach state…
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drip feed v lump sum stash
Hi its me again _ thanks to everyone who has replied so promptly -Coldiron and Archibald etc Its made me realise if i could be less risk averse I might get better returns - I have a question prompted by all the homework LittleClaire has done - will I get better returns opening a series of drip feed accounts like first…
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Tax on interest
Apologies if this should be on the cutting tax forum instead. I earn around £5000 a year and have several savings accounts from an inheritance paying puny interest. I've received a letter from HMRC saying they reckon my income plus interest is more than my tax free allowance and that I will no longer be able to get gross…
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Saving money and debit card?
I've read online guides and then the articles on the Halifax website, but I'm still clueless about the different types of this and that, to be honest. I'm 18 so I'm hoping it's normal to be this confused. Anyway, I thought I'd make a thread about two questions I have, sorry if this is the wrong section! Firstly, my debt…
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moving funds offshore back to uk
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How long will £10,000 last?
Due to personal reasons, I will be having to exit my full time employment and it looks like I will need to live off my savings for a while. I was just wondering how long you could make £10K last given my circumstances. I have £300 a month mortgage to pay off, I will still have an income of £750 though, so have £450 income…
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how to maximise interest on small lump sum no risk
Sorry for repeatd postings but I,m new and it might take time to get the hang of this - so forgive please hi everyone I too like this lady have spent the last two days reading this site and you guys are really knowledgeable and helpful - I wonder if anyone can please help me with my question i'm 57 with 10k ( poss 17k) to…
