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Savings & investments
Archives for December 2013
Discussion List
10K for short term
Hi folks, I have 10.5K in my Virgin cash ISA which is only earning a poxy 1.75%. I used to have a fixed 3.3% with Lloyds, which is why I went for Virgin as it was the best ISA rate that paid monthly interest. I've been thinking, I'm probably better pulling the money out of this ISA in to my LLoyds current account which…
120k - house or some sort of stock market investment?
I've recently inherited quite a bit of money and a share of a house. First option is to buy the other part of the house and have no money....I'd be about 20k short so would need a small mortgage. Plan would be to rent out, its a nice, well maintained terrace house in a rentable area and looking at others I should get…
Endowment or repayment pay off
Hello, as the interest rate on ISA's are terrible at the moment I am thinking about overpaying on my mortgage. I have half endowment and half repayment. Is it better to over pay on the endowment interest only account or repayment account? They are both the same rate so would it make any difference? Thanks mbro44
Virgin money interest rates
I'm suffering from brain-fade, can someone confirm my maths? I have a VM E-saver account, it says it's paying 1.58% net. They're advertising a 1-year E- bond paying 1.91% gross. It seems to me the easy access account is paying more interest than the fixed rate bond, is that right? If so, why would anyone buy it unless they…
Investment Advice. Time to change focus?
I am now (hopefully) within the magic five years before retirement. As a bit of background, I've been investing in S&S ISA's on & off for several years, self selecting the funds using a low cost broker & held on the CoFunds platform. More by luck than judgement, I've built up a portfolio that's currently worth about £75K…
Use of FE Risk Scores
Hi I wonder if anyone on here uses the FE risk scores to manage risk in there portfolios? I am managing the risk in a SIPP (now in Drawdown). Plugging the data into the Trustnet site gives me an overall risk score of under 45 - simply using weighted averaging on a spread sheet gave me a score of around 75. I know the…
Quark and bitcoin
Is the new quark going to beat bitcoin?
Debt Bomb
This is good: http://www.youtube.com/watch?v=GXcLVDhS8fM
Junior s+s isa for newborn
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