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Nationwide 5% v Pension contribution v Stocks & shares ISA v Cash ISA
Not quite sure where to ask this question so settled on this board. I'm a higher rate taxpayer but OH is not. Opened 3 Nationwide flex accounts in her name to try and get 5% on all of them. However they have written to us pointing out the Ts&Cs and stating only 1 qualifies for the 5%. So now wondering what do do with the…
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Working out shareholding value
Can somebody help me work out a shareholding value please? The company is not on the stock market. My ex is refusing to clarify the value in a divorce settlement though the company are issuing shares to current share holders at a value of €1740 per share. He has previously communicated to me he spent €2000 when he bought…
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RDR - How will it work in practise
I have just bought a fund through HL - on the bottom of the trading form appears a new bit of information. "HL currently receives commission of 1.200% per annum" !! The fund currently has an annual charge of 2%. No LB. Does this mean 1.that after RDR I will get back that 1.2% in return for an as yet unspecified platform…
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Expat stuck with Natwest ISA account
Hi, I opened a Natwest ISA account a couple of years ago and permanently moved to Germany in the meantime. Recently, Natwest informed me that they have drastically reduced the interest rate. Unfortunately, I cannot transfer to another ISA account in the UK, since opening a new bank account requires having an address in the…
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250k lump sum
We will be seeing a FA but am interested in getting opinions as to what would be likely options so we (well, I) can do some research in advance. Some background: OH is 53, being made redundant next July. May take 130k lump sum and stick 100k of that into pension (currently waiting on info re Annual Allowances etc). Seems…
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update caution to my employer and FSA
Hi, I unfortunately received a caution recently, about some silly things that I have done. Do i need to inform my current employer-an investment bank, and do I need to update FSA about this? many thanks for your help
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Long term savings over 18 years
Hi. As I am now a proud auntie, and as such I am wanting to start a long term savings plan, say at £10 per month for my niece. I aim for it to run over 18 years, and let her have the lump sum for her 18th birthday present. Can anyone advise on any such plans that are worthwhile?
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Fixed Term Bonds - Direction?
I have a couple of Fixed term Bonds with Banks/BS which mature during the next month. Does anyone have any thoughts on which direction rates are likely to go on these type of products next year. I don't need the money within the next 12 months but I would like to know if there might be any slight improvement in rates in…
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Calculator Needed
Can you help point me to an online calculator that will help me calculate savings please. Lets say I keep putting in £50 a year for 12 years at a compound interest rate of 6% - what will the final sum be? Any help appreciated - or even a simple formula for me to input me real numbers.
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FAO dunstonh
Would you mind checking your PMs please? Apologies to the moderators for the off-topic post.
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Need help investing / saving £450,000
Hello, I was hoping to get some advice as savings / investments is not my strong point. I am due to receive £450,000 inheritance as cash and would like advice on where to put it. My mortgage is paid off already but I do have a 4 year old child and I'm training to be a teacher so need some of it for living costs for next…
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Tie Rack Shares
Hi there, We've discovered some old Tie Rack share certificates. Can anyone tell me if they are still valid, and how to update the details (ie address) on them. Thanks.
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VCT Tax Breaks
I know there are tax breaks available for investing in Venture Capital Trusts. Do these apply only to direct investors buying into a new trust or buying into an issue of new shares in an existing one, or are they also applicable if simply buying market-traded shares in an existing VCT? Thanks.
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Freelance Saving
Morning, I'm a Freelance worker and am keen to put a percentage of what I earn into some saving/investment. I would like to be able to do this when I want and regularly as the money comes in on different dates as I'm sure you know if you are freelance. Thank you for any help or advice.
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Evolutis Lending
Hi We are considering lending through Evolutis Lending Ltd - can anyone give any feedback on their experience and comment on the company? I have checked them on Experian buy as the company was only formed on 17th July 2012, there's nothing to go on. thanks TT
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Bitcoin Vendors
Good morning! I would like to know where you purchase your bitcoins from. I have seen many vendors floating around. But due to the unregulated environment of such a "currency" I'm not that confident it handing over my money on a whim. I've been lurking on this website for years and have enough trust in the MSE's to ask for…
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New to investing- interpreting data
Can you help with the basics please? I am starting from zero knowledge and just reading websites to get a feel to begin with. People have suggested on another thread that I look at passive which I will do but one recent read on FoF made me realise that perhaps I can't interpret data given. Here's one little journey: I read…
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vouchedfor - utter rubbish!
Following the article here - I contacted a local IFA via the website 'vouchedfor' The MSE article claimed 'vouchedfor' are "...offering free ..financial planning sessions .....a financial healthcheck ...to get advice on areas such as the best mortgage, saving for a home, or planning for retirement" The IFA that contacted…
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Getting started with share investments
Hi All, My first post on the forum but long time reader. I'm interested to start investing in shares. The recent privatisation of royal mail was something I would have liked to have been in a position to invest in. The trouble is there's lots of confusing information around the place, and I'd like to find answers to some…
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RDR and discount brokers for ISA's
I have ISA's with Fidelity via discount broker Closebrothersam (previously through Allenbridge). Closebrothersam give the option to switch into their new platform. Now with the introduction of RDR it seems that Fidelity will reduce the AMC and charge platform fees for new ISA's and switches. So am wondering do I move to…
