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How Long To Cash In Premium Bonds
I have invested some of the money I have for my house deposit in premium bonds while waiting for the purchase to progress. Looking at the website I am a bit confused about how long it actually takes to receive the money once the instruction to cash out has been given. I read somewhere that it takes 8 working days and…
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Selling Unit Trusts and Capital Gains Tax
Hi, I am after a bit of advice on a very simple matter - and apologies if this has already been discussed elsewhere within this forum. I took out a unit trust plan in 1998 which I funded £30 in ICVC UK Small Companies and £30 ICVC European fund, making a total of £60 p/m. To keep the sums simple I have in total invested…
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Pound cost averaging...
Hello, So... still doing my homework, reading Tim Hale etc ;-) Question: I understand the ongoing benefits of pound cost averaging. But is it relevant to an initial lump sum investment? if I'm investing a say £50k in tracker funds, does it make sense to invest the whole lot at once, or to drip-feed the amount over, say, 1…
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bought a sovereign...
Not sure if this the correct place to post, but I recently bought a large collection of coins, I haven't received them yet. I purchased mainly because I spotted a 1823 sovereign in with this lot. I am 80% sure it is real, will get it looked at when I receive the coins. I know its not a half sovereign, so its either a sov…
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Splitting Bank A/cs on Marriage Separation
Apologies if this is not the correct forum but it seemed the only appropriate one - please transfer elsewhere if posted in the wrong place, My daughter and husband are making a legal separation. She has taken legal advice and is acting accordingly. However, she seems to be getting conflicting views as to how money in bank…
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Best way to invest £76,000 pension lump-sum
I have just taken early retirement and have received £76,000 as a lump-sum payment. I have started my own consultancy company to earn a little extra, but I have my pension to live on. How should I invest this to make the best return over the longer term? I have plenty of other savings (bank accounts, cash ISA's, investment…
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AA internet savings account
AA internet savings account It sounds good. 1.6% AER and 1.10% bonus if untouched for a year for balances over £1000. If anybody have any experience of feedback of this service it would be greatly appriciated. I'm thinking of opening up an account some point this week.
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£50k to generate income?
My girlfriend has £50k earning diddly squat in the bank and would like to put it somewhere hassle-free that will earn her ideally 3%+ income every year. She's a standard rate tax payer, late 40s, not interested in pensions, doesn't mind a bit of risk. Would a S&S Income Fund be the way to go or is there something else to…
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double digit yields on bank shares
Hello, I am very new to this site and investment. I've heard that investing in preference shares in banks can give you double digit yield! I understand preference shares especially when it comes in investing in banks. the yield on bank ordinary and preference shares are the same. the difference is that it is more secure.…
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Dotcom Bubble 2.0
Many of us remember the first dotcom boom and bust, which took some serious scalps from institutional investors as well as many private ones (my friends included). Anyone remember Marconi? Anyone with eyes can see it's happening again - IPOs of companies that have no business model despite being popular for 5 years, where…
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Halifax Appointment System
At the weekend I looked around at utilising my child’s savings and putting it into an account for paying his school fees. The Halifax Young Saver account came up trumps in my survey and was quite prepared to transfer money into a new account for him. I was even more please that Halifax appeared to match my needs as I have…
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Withdrawing from a bond early - help
I wonder if anyone can help. We had to reinvest our money into another bond as ours matured a month ago. We have since found a house but just missed the 14 day cooling off period. We wrote a letter to the post office explaining our situation and was advised over the phone to write another letter and we would be able to…
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Applied Graphene materials float
Any thoughts, anyone know when, anyone know a price ?
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Shares v Property
Hi All, I am new to investing and have acquired around £50k in savings. I keep reading that shares have outperformed property BTL over the long term, but I can't get my head around it. If I buy £50k worth of shares and they earn 5% a year then in year 1 I will gain £2500 year 2 £2625 etc. But if I buy a property and am…
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Halifax Sharebuilder
Potential stupid question as my brain is mush today!!! I sold some shares which went through today, I can see on my account that the amount is available to re-invest however it doesn't show up in the withdrawal section for transfer to my current account. Does it take a few days to be made available or do I need to contact…
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Fidelity Special Values Investment Trust - Dividends
I received a copy of the company report today and it says that they are proposing a final dividend of 16.25p per share payable in December. Probably a stupid question, but I can't recall ever having received a dividend payment from them before. Do they actually send the money, or do you think they just buy you extra shares…
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Vanguard LifeStrategy - when are the charges worth it?
Hi all What’s the minimum that I would need to invest in an index tracker (specifically Vanguard LifeStrategy 100% Equity bought via Hargreaves) to make the costs worth it? For example, Vanguard charge 0.33% annually, and HL charge £24pa. So investing £200 just isnt worth it. Would a £2k initial investment be worth the…
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Ex-Fed official on QE
http://online.wsj.com/news/articles/SB10001424052702303763804579183680751473884 J
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Asian funds... for a newb
Hi folks I'm looking to invest in a fund that covers Asia. I already have: HSBC Global fund (50% Vanguard 100% (40%) Aberdeen global Asian small caps (10%) I'm looking at: First State pacific leaders -…
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will you ever be able to make some serious savings?
hello I find it difficult to save, but maybe it's just me and the current circumstances I am in (salary, location, etc) that make it difficult but while now that I am earning little and have no family, in the future I will earn probably more but I will have family, so I really wonder if life in UK for regular workers is…
