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Child Saving Accounts with online access
Hi Does anyone know of any regular savings accounts for children that have online access (for viewing balances)? thanks
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NHS Pension & Government changes
Hi, I was wondering if anyone has heard anything about possible changes to the tax free lump sum we get upon retirement. At the moment it is tax free but I have been told this may change in 2015, where it will be taxed. I have been working in the NHS for 37yrs and can't afford to loose any of it. Thanks
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selling shares
I wonder if anyone can help with a question over selling shares. I have got some that pay a quarterly dividend which I reinvest back in rather than take the income. I'm looking to sell the shares and there is a distribution date of November 30. They were ex-Divi in October. If I sell now would I lose the extra shares that…
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Transfer Fund platform ? - Fidelity to True Potential
I have approx 100K in ISAs with the Fidelity fund platform. My IFA is suggesting that I transfer my holdings to True Potential. He claims that Fidelity is causing him problems and that True Potential are cheaper and have a better system in place. Has anyone had any dealings with True Potential? I've found it hard to get…
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say you had 100 grand
I was just thinking, if you had 100 grand sat in the bank, you'd probably be gaining 2000 a year in interest. however if you bought a small flat with that money you'd be able to rent it out for about 550 where i am and that is 6600 a year. is it no wonder many people want a buy to let property instead of leaving the money…
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Maturing Term Deposit could be issued by cheque- Not I hope!
I have a Term Deposit maturing with the Clydesdale Bank in the middle of December and have just received my options with them. Since they are laughable I will not be reinvesting with them and am withdrawing the funds to transfer elsewhere. However looking at the maturity withdrawal terms I am rather concerned that it…
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Dow Jones Breaks 16000
The Dow has broken 16000 and is at record levels closely followed by the S&P 500 heading above 1800. These markets are being driven by the FED`s printing of billions of dollars each month to buy worthless assets. A correction must surely be just around the corner.
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Capital Protected Structured Deposit Plans
I am currently looking to invest in these. I have been told that my Capital is protected and at worst if the product fails to perform I WOULD get my Original investment back (without interest). I also have the FSCS protection of £85,000 Question: Is there any other risk I have overlooked? I understand that the Counterparty…
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Fidelity funds supermarket investment strategy
I started investing in April this year, my only strategy is to use the Money Observer investment funds tables on past performance from 6 months to 3 years. I don’t read any details of funds or try to work out the next move, it’s purely on the figures and the rising charts My intention is to as you might say ride the wave…
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Current account for savings: effect on credit file?
I move my savings around each year to maximise the interest, and will usually open at least one new instant access savings account, one cash ISA and a fixed rate bond each year. I have no problem with this, or the search that goes on my credit file for identity checks. However, savings rates are now very poor, and many…
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Rolls Royce 'C' shares in ATS ISA
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£36k for kids
I have an "education fund" for the kids most of which is in NS&I Index linked certificates - 100% safe, tax free decent returns. However, one of the series matured and as the kids are too young under the new T&Cs they cashed out. I am looking for somewhere to put them for the next 3-10 years. Bank accounts seem pitiful,…
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Advice about closing joint account!!
I have been separated from my ex partner for 2 years. We have a joint account together with HSBC and I wanted to take my name off of it as I don't want to be connected to him if he ever gets bad credit. HSBC told me that the account would need to be closed and both of us would have to be there which is not possible! They…
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How to make £18000 work for me
I recently had an endowment mature - giving me £18000 in the bank - but rather than it just sit there - what's the best way to make that £18000 work for me? I don't need to pay any part of my mortgage off yet.
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Aberdeen set to buy SWIP from Lloyds
What do people think this will mean for current Lloyds shareholders? Does that mean we may get some Aberdeen shares?
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Savings for my niece and nephew
Does anyone know if there is anyway I can open an account for my neice and nephew? My brother died recently and his ex (their mother) won't let us see them. We want to set up an account for when they are older but can't find a way without birth certificates. Any ideas?
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I have £1,000,000 cash - any suggestions?
Hi! Its great to join this forum and I hope to offer as much help and guidance as I can. I have read this forum many times and it has helped me greatly - so thanks :) I have a question: I have been approached by a friend of mine to start working for him. He is a private property investor (over 100 properties) and currently…
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Best childs savings account
I need to open 3 accounts for my children but I don't know which one to open. They have £400 each to deposit into an account and if money allows it be able to put £10 in each account for their future. I don't want to be able to access it til they're 18 but can't seem to find one that does this. Can anyone help? The…
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How to use Alliance Trust Savings?
Sorry for a silly question, but I'm struggling to Navigate the Alliance trust savings account. I am new to ISA's and investing and have just opened an Alliance Trust Savings stocks and shares ISA in the hope of learning more. I placed a few hundred pound in the account just to have a play around. With half the money I seem…
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Spare £5000
Hi My 3 year fixed bond has now come to an end. I would like to re-invest this amount in a new product. Not happy with the interest rate offered by Lloyds of 2.3% over 3 years that was based on £8400, the original amount invested. Any ideas anyone.
