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Updated Regular Savings?
I am a complete Forum newbie so please forgive if this is not news but has anyone noticed that you can get 2.5% for saving £1000 per month with nationwide? Seems a good place to put instant access money that is languishing in some lesser interest accounts. Unless I've got it completely wrong! Any comments?
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Gold Sovereigns
Probably not the right forum, but hopefully some of you learned folks can help. Am looking to buy a small number of gold sovereigns as gifts. A bit of research suggests the Royal Mint is very expensive and there seems to be a few sites online selling them for 200-250, depending on age. I'd like to get my hands on a couple…
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SJP advise
Hi wonder if anyone could offer me any advise re St Jame's Palace? I will try to make this as short as possible, I went to have my will re wrote and was advised to speak with their FA. My situation is i'm 51, divorced and have my 21 year old son living with me. He advised that due to being over the IHT threashold to change…
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Savings Portfolio Set Up fee
This could get long winded but I'll try and keep it short! After many years of getting good advice from the posters on this forum I now find myself requiring advice. My wife and I are are in our 60s and have investments in various schemes. We have a cash ISA that matures in January and I contacted my local Financial…
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Monthly pay-in requirement. Loophole?
Hi there, I notice that a lot of the best-paying savings accounts (santander 123 etc) require a £500 / £1000 pay-in per month. This requirement is presumably to ensure that your wages are paid into the account and therefore the account is your main current account. However, I only have a lump-sum to invest and have no…
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Very Short Term Savings
Just a quickie Sale proceeds of a house need to go into a bank account for about a month whilst the one being purchased completes. Not much decent interest around, unless anyone has any other bright ideas? Recommendations? Thanks in advance?
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ISA's v Savings Accounts
Both my wife and I are retired and I am receiving a works pension and we both have ISA's. I am looking at ways to increase our monthly income and am wondering if it would be better to move our ISa savings into a savings account that pays the interest monthly into our current account. We are not interested in increasing our…
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FTSE 100 companies yearly comparison
Does anyone have a link to a site that shows performance of all the companies that make up the FTSE100 on a yearly basis? All I seem able to find are those that show winners and losers from the previous day's trading.
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Help! ISA transfer puzzle...
My wife has a NatWest ISA whose interest rate will drop from 2.0pc to 1.16 in January. She has a Coventry non-ISA account so asked about transferring the NatWest ISA to the new 2.5pc Coventry Reward ISA. Callcentre person said she would have to open a new ISA account AND make a deposit to start it. We thought the transfer,…
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Property Investment
Property prices are on the up again , would an outright purchase of a property for my son at university be a wise investment ?
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Fixed rate ISAs -- any risk associated with longer term?
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What would you guys recommend for long term, passive investment?
A few replies to my posts in the HL fees thread have got me re-considering my entire setup. With HL I currently have: S&S ISA: Vanguard Lifestrategy 100% Accumulation Fund account: Cazenove UK Smaller Companies, Unicorn Income, Aberdeen Asian Smaller Companies and Marlbrough Micro Cap Despite having some risky funds, my…
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Finding Independent Whole of Market Advisor
Has anyone managed to find a good independent whole of market advisor recently? If so how did you do it. I have had a disappointing experience with one financial advisor whose service was poor and who gave me inaccurate information (they used to call themselves IFA but since RDR are now chartered financial planners). I am…
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Allocation of Halifax shares in 1997
I received shares in the Halifax demutualisation in 1997, some from a savings account of my own, and some from two accounts that were my childrens. Can anyone remember how the shares were allocated, I know I received a fixed number for each of the childrens accounts but can't remember how many? I now want to sell the…
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Autumn Statement- Employee Share Schemes
Good news in the Autumn Statement for share schemes- a doubling of the maximum amount for SAYE schemes, from £250/month to £500/month, and an increase is SIP schemes from £125/month to £150/month. It's been years since these were updated- about time!
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Tax question (on investments). Help please!
Hi All I am thinking of opening an account at Hargreaves Landsdown in order to buy my first fund. I was planning on opening the account either in my own name only or in joint names (with my wife). I am a UK national living in Thailand and my wife is a Thai national. If I was lucky enough in the future to sell the fund at a…
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ISA Limits increased to £5,940 - £11,880
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ETF - Stamp Duty
Just seen this on the BBC from the Autumn statement today. I'm looking for more clarification but does this now mean you can buy ETFs without stamp duty or the shares inside them no longer attract SD? If it means investors no longer pay SD then that could be quite a boost to ETFs compared to unit trusts and investment…
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Short dated bonds could soon be ISA elligible
Hidden in the Autumn Statement is this Retail participation in capital markets: increasing retail bonds for ISAs – The government is exploring whether to increase the number of retail bonds eligible for stocks and shares ISAs by reducing the requirement that such securities must have a remaining maturity above 5 years.…
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Affordable IFA advice
I've recently had to take early retirement through ill health. This means I've only got a small lump sum: £30K. I really need to get some advice on how to invest it safely and help it grow plus some help with some tiny stakeholder pensions. I've had initial conversations with two IFAs. One wants me to invest most of my…
