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Australian $ around 70K - what best?
Have an inheritance of around 70k of Australian $ - they are in a probate account in Australia. Echange rate not good and would like to keep as $ until $ rises - lots of commodities that Australia has that will fuel world rise in economy, I think. Any advice how to hold them because at moment not in 'my' account.
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ETF query
Not committed yet, but I'm thinking of adding a Latin American ETF to my portfolio. There being no Vanguard offering (yet), it looks like the main choice is between HMLA or LTAM. They both seem to have a similar basis. Given that the former is quite a bit cheaper (0.6% TER v. 0.74%) with a higher yield, why would anyone…
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Where should I save, ISA or investment funds?
Hi all, My savings are modest. £150-250 a month circumstance dependant. I have a cash ISA at 3% with the Newcastle Building Society, which takes 3 days to withdraw to my bank. I aso have an Fund & Shares ISA which may make 7.5% with HL which takes 4 days to withraw. That's what the middle risk, 'Steady/Defensive' Master…
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Saving through my wife
My wife works part time and does not earn enough to pay tax. I am a 40% tax payer. Can we open a savings account in her name and I give her the money to save so that we pay less tax on it, is it legal
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savings for grandchildren
My Mum went into the Halifax to enquire about opening new savings accounts for her 2 grandchildren. They have a regular saver at 6%. She was told that grand[parents can NOT open accounts for grandchildren anymore...... I've researched this on the net and can only find this rule for ISA's. Can someone clarify this please as…
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iWeb announce post RDR charges (I think)
iWeb have just announced their changes, I think http://www.iweb-sharedealing.co.uk/F...nd-changes.asp Looks like a fund conversion process to clean funds plus the introduction of a trading charge for (clean) funds. I can't work out what funds are available through iweb though. There appears to be a list here which includes…
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S&P500 or NASDAQ for US exposure?
Hi All I am thinking of buying an S&P500 or NASDAQ low cost tracker fund for exposure to the US market. I prefer these two rather than the Dow Jones as: My risk tolerance is high My aim is simply long term capital growth My timeframe is at least 15 years. I was kind of leaning towards the NASDAQ to give myself more…
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New Halifax charges post RDR
Just a post for information purposes. Halifax just emailed me with their new charges post RDR. It will be £12.50 to buy/sell the new 'clean' funds (currently £0). Existing funds will be switched over to their clean equivalents from end of Jan. They did not mention a change to annual admin charges but these are currently…
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First Time Landlord
******************************* Update moved to : 'House Buying, Renting & Selling Board' (i would put the link but i'm not allowed :( ) ******************************* Hi Everyone, My mum recently had a surprisingly large sum of money left to her by my Grand dad and I figure the best thing to do is to invest it in…
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Paper Shares Certificate in US Company - Advice?
I have a paper certificate issued to me by my employer who is a US based company and would like to sell some of the shares to reinvest in other markets UK/International on perhaps a regular basis. I am pretty new to the world of shares so excuse my lack of knowledge, simply trying to get my foot in the door. So far, i have…
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Advice on investments
Hi Im 33 years old, married and have 40k in savings and wondering what the best option for me to do with it is. I was looking at the following options: 1. reducing my mortgage down which reduce the repayments by £350 per month. 2. Increasing my Pension 3. Buy to let and get a rough return of 10% on the 40k investment after…
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Selftrade Cash ISA @ 1.96%
I'm thinking of transferring an existing ISA of £50k into the Selftrade Cash ISA @ 1.96%. It offers instant no penalty access and the guaranteed included bonus for 12 months is 1.71%. This beats the other alternative the Post Office @ 1.8% with very limited access & the bonus guarantee is only 0.9%. The main appeal for us…
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Short Term Investment
I have recently paid off debts and I am now debt free, I have £5000 spare which I would like to invest short term. Has anyone got any ideas on where I go from here please? Thanks Gary
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investing in gold?
I'm very close to paying off my mortgage and have been looking at things i could invest my spare cash in. Does/has anyone invested in gold? There seems to be different types of gold and it's sold as coins and bars and it seems to be cheaper per gram the heavier the item. Can anyone give any helpful advice to a total…
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Don't buy a new car out of uni...
I wish i was given that advice (dont buy a new car out of uni) when i finished uni 6 years ago. I was lucky enough to land a 17k job about 5 months after i finished uni... which is pretty decent up north... as i was living with my folks i saved for a year and decided in my 'wisdom..' buying on PCP a 20k audi was a good…
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Is this blog to pessimistic?
http://blogs.telegraph.co.uk/finance/ambroseevans-pritchard/100026365/barroso-triumphant-as-jobless-europe-wastes-five-precious-years-of-global-recovery/ I found it an interesting read... but i want to hear peoples thoughts. I agree with the sentiment.. fundamentals are not fixed but am i too pessimistic about the future?
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1year fixed savings account advice
Hi, bit of a newbie question really, I have a 1 year fixed savings account with Nationwide, which ends at the end of February, when it will then attract a significantly lower interest rate. I want to move it to an account with better interest, but should I do it straight away (at the end of the term) when it will be locked…
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Funding circle
I have been looking at an investment Co called "Funding circle", I was wondering if any one as any info about this.
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more interest on my 123 current account than my isa??
ive got a santander direct isa saver (Pays 1.00% AER tax free (variable) for balances from £1) and ive got a santander 123 current account ( 3% AER (variable) interest on balances from £3,000 and up to a maximum of £20,000) would i earn more interest on my money if i moved my isa money to my current account (as this would…
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Can anyone shed light on Bellpenny?
We've had a two-page letter from our IFA which I interpret as saying 'you don't earn us enough money and we are passing you on to a company called Bellpenny - but you'll still have the same adviser'. In fact, from online searching, it appears that the IFA is now owned by an American company called Bellpenny and it appears…
