-
Opening stock and shares ISA info
Hi I am looking for a little help and info. I am looking to open a s & s isa starting £500 then £50 per month at present looking to increase in future. Looking into long term investment. I have seen a few funds like vanguard life stategy etc. Not looking for high risk, something about medium risk. How easy are these to set…
-
Equity Child Trust Fund - fees and moving
We have L&G Tracker Equity CTF for our child since 2006 and its value is about 5K. The charges are 1.5% but dont really know what this equates to in actual charges and whether it is typical. Is it possible to transfer to another fund and if so will there be any additional charges? We will keep adding £50pm for another 8…
-
Inc/Acc Unit Trusts clarification
Hi, I am quite new to investing, and so am currently working my way through Glen Arnold's book. In it, he describes unit trusts and the difference between income and accumulation unit trusts. He says, on pg 108: I've bolded the bit I'm having trouble with. As a noddy example, there is a unit trust, with the same offer/bid…
-
Which bank account
Hello this is my first post, and as usual it is a question so here goes. I have inherited and soon will have a cheque for £60.000, my first thing to do is put the full £5700 entitlement into my partners cash isa and start one myself. Then I need to find a bank account to put the rest in which will fund a extension on the…
-
VOD-Vodafone,sell or wait..?
Vodafone are riding high at the moment,mostly on the back of the upcoming Verizon selloff and potential takeover of the post Verizon Vodafone. So whats the answer,sell all now,sell some now and hedge your bets or hang on and weather the storm?
-
Mortgage Free, now what?!
Hi, I often read this site and find it really useful, but this is my first time of posting. Any advice is greatly appreciated. I am 31yr old and single, I own my own investment property in the UK which is worth approx 120k and I have very nearly paid off completely (within a couple of months). I have it rented out…
-
£33k savings increasing quite quickly - Looking to start investing
I'm 26 years old, with a decent amount of savings but currently have no investment/savings strategy to speak of, other than putting a bit into a savings account each week. I don't want to waste this opportunity much longer so would really appreciate some advice. I currently have around £33,000 in savings, split between a…
-
Prudential Flexible Investment Plan (Bond)
Hello All, I have the above type of investment together with several OEIC's. Could somebody advise whether there is a difference in the way these two different types of investments are taxed. Many thanks
-
BP plc Shareholders offer
Unless I'm missing something, the Terms for the Free Dealing Offer in the email received yesterday are not the same as those in the letters sent out last week. Letter - Free Dealing Offer "If you wish to buy up to 500 BP p.l.c. ordinary shares, you can do so without any dealing costs". Email - "If you hold up to 500 BP…
-
Clydesdale Bank Current Account Direct 4% up to 3k
Can anyone tell me if they have opened the account below and what they think of the service and online system etc.? I am looking at opening the account to put spare cash in. Clydesdale Bank Current Account Direct Paying 4% fixed until March 2015 on £3,000. You have to pay in £1,000 per month.
-
Gold fund
All I hope Im ok to ask for some view here and that it doesnt break any rules. I appreciate that any opinions are also acted upon at my own risk :) I have shares in a few small cap companies and I also have a couple of funds (Latin America emerging markets and Asia Pacific). Mortgage is being over-paid, decent amount of…
-
Investment compensation limits
Can anyone explain the compensation limits regarding investment amounts with a particular provider. If I have an stocks & shares isa, my partner has an stocks & shares isa, we have a joint investment account, and a pension invested in a various funds, all with the same provider - what are the compensation limits if the…
-
HL Master portfolios
What are people's views on these for people like myself who are embarking with virtually no knowledge in the world of investments but keen to use ISA allowance before the end of the financial year?
-
Investment plans
After my free financial planning sesh - through MSE - the IFA is suggesting, as one option, an investment plan with a company such as Prudential for example. Drawback - IFA is looking for a 3% fee. Plus - dosh you can get your hands on when you like without penalty or having to die as with fixed rate bonds (FRB). Among the…
-
Artemis Income Fund. Very wide spread... why?
Hi All I am a newbie to fund investing and have been looking at different funds. I noticed on the Artemis Income Fund (link below) that the buying and selling spread was very wide at over 6% (selling price is 311.78 pence and the buying price is 330.58).…
-
Saving incentives
I apologise if this is in the wrong location but something has been bugging me for a while. One of the reasons the UK is in a mess (and the USA) is that we spend more than we save. We have a national debt of i believe 1.3tr, private debt of 1.4 tr and unfunded liabilities of around 4 tr (public pensions etc) that the…
-
Saving a redundancy lump sum for a few months
At the end of January, I am due to receive a significant redundancy payment, but don't know how to invest it for a few months. I am hoping to move house at some point in the first half of the year, and will be using the lump sum for that - but I don't know what to do with the money until then. I don't really want it all…
-
What's the best global tracker?
Hi, I've decided to open a stocks and shares ISA through moneysupermarket and the Cofunds platform. I plan on investing in the HSBC FTSE All Share Tracker but I'd also like to choose a popular global tracker too. Only problems is I can seem to find any good recommendations for which to choose. Does anybody have any…
-
Clinical negligence claimn - what to include in schedule of loss
My clinical negligence claim in respect of a disastrous eye operation is progressing well and my lawyers have now asked me to compile a Schedule of Loss. Does anyone know what sort of items I should include in it? Absolutely anything and everything that could possibly be relevant is fair game at this stage - all ideas…
-
Interactive Investor
Apologies in advance about yet another thread about a broker, but I am very interested to gain any feedback positive or negative about Interactive Investors. Ive read most of the threads around, but as I have been with my current provider for 20+ years its hard to move lock stock (even though I know I have to to cut…
