-
Santander 123 or Lloyds Club Monthly Saver?
I currently save £260pm into a Club Monthly Saver from monthly income. I was wondering if it was worth it (would I gain more interest) if I moved a further £140pm from a Santander 123 account each month for the remaining 10 months of the regular saver. As it is at 4% I presume I would but the 123 account pays interest…
-
Investments for a small downturn?
Equities have done quite well for the past few years and I have some investments in ITs - a mixture of income generation and growth. Given the probability of QE monies being recovered in the States and possibly a bit later on in the UK and Europe not really taking off too much I feel that now would be a good time to…
-
Shares Bought v Sold that day
Looking at the share info on the HL website next to the broker recommendations chart is a line that shows how many of the company's shares have been bought and how many sold. It might show 60% Bought v 40% Sold for example. Probably a silly question but why doesn't this always show 50/50 if there is seller for each share…
-
Beware of fund rankings
Fund managers quote the last 5 years performance. Now that the badly managed funds that crashed in 2008 have passed the 5 year milestone, they are starting to look statistically better than the safely managed ones that did not crash in 2008.
-
High yielding shares
By way of background - I am looking to get some of my cash into shares. I already have a fair amount of cash across a number of diversified funds but I am now worried that i have too much money in pure cash and want to change that. I am getting closeish to retirement I am looking to put some of that cash into individual…
-
Decent equity ISA funds?
In terms of the following, what might be some funds worth considering? I understand Investment Trusts have provided better returns that Unit Trusts? + Reputable large provider + Fair fees and deductions + A fund which is widely invested, not too concentrated in one sector I could pay an IFA but hoping some folk on here…
-
Off-shore investment deals?
I am a UK national but I live and work in Italy so I would like to keep my sterling savings in UK to earn for me. I have increasingly found it difficult to invest my savings in UK banks thanks to, probably, money laundering issues which cause the whole account opening process to be near enough impossible for me. They…
-
Saving for babies future
Hi all, Looking for a bit of advice. We recently had our first child (yay! :j) and are in the process of applying for child benefit. We're in the relatively lucky position that we aren't desperate for it yet, so we'd like to put it aside for our little one's future. Does anyone have any advice as to the best (most tax /…
-
Club lloyds
Am I being thick (please don't answer that) but wouldn't my £5000 ISA (currently at 2.25%) be better sat in a club lloyds account (for example) as they are offering 4% on balances up to £5000 Any ideas / suggestions would be helpful
-
Proceeds Of House Sale
I am just about to complete on the sale of a property that was left to me by a family member. The proceeds will be in the region of £120,000. I plan to then put my own property up for sale, and ultimately combine the 2 proceeds to buy a new property. I am looking to save the £120,000 for a period of approximately 12…
-
Children's savings
When I was a child, I used to save some of my paper round in a post office account. I went religiously every week and saved £5 and watched my money grow. It instilled a savings ethic which I have never lost. I would like to encourage my daughter to do the same but there are no real tangible opportunities to do this. The…
-
call save money manager
Hi I recently opened this account with the coventry, how long does the welcome pack take to arrive? also whats in it ?
-
Short Term Savings Advice
Hi, We currently have a mortgage with Nationwide and are looking to take out a new mortgage with the same provider to pay for an extension to our house. The project will take around 4 months to complete and we will be paying the builders in installments. We are therefore looking for a short term account with instant access…
-
2X£1,000,000 Pulling out of Premium Bonds
The number of £1m prizes is about to double without an increase is the prize fund. This means there will be a lot fewer small prizes. I'm about to sell most of my bonds (apart from the three £1 ones my mum bought me in 1960 'cos I'm a softie!!) Is anyone else thinking of doing the same, or are you thinking of investing…
-
16th birthday this week.
My Son turns 16 this week. I know his Grandparents have saved for him but have no details about the account and they are evasive if I ask. Will the company/bank/building society write to him and make him aware of the account ad how will they know his correct address as everything is in the GP's names? Will they write to…
-
Vanguard ftse 100 etf dividend
Hi Does anybody know if the dividend from the Vanguard FTSE 100 ETF has a tax credit available with it? The dividend has been paid to me via Hargreaves Lansdown but their tax statement says nothing about tax deducted or a tax credit available?
-
I have £100k in my savings account :)
Hello, So far the past 5 years, I have been working extremely hard and saving most my income and now I have finally reached the £100k mark!! I was just what would be best to do with the money. To be completely honest, I am not sure why I decided to save, I just kind of got addicted and also have a very strange relationship…
-
TSB Classic Plus A/c Question
Wasn't sure whether to post this under Savings or Bank Accounts... it should probably have been the latter technically speaking, but I suspect most people on this forum that have one of these accounts treat it as a Savings account! Anyway, I have just this minute opened a TSB Classic Plus account but not sure when I will…
-
How to invest limited company funds
Just as the title says. I have a fair amount of cash in my limited co and want to put it to work better than the 1.6% savings accounts currently on offer. Would like to invest in managed funds but am unsure of the best / most cost-effective route. Would appreciate advice and opinions please. Thanks
