-
Best place for fairly high savings
Hi. Have read through various articles but still not sure of best options in my situation & forums always seem to the best place for most up to date advice so would be grateful for any advice regarding best place to stash my cash. Currently have £43K in a standard bank account earning little to nil interest. I earn £50K/yr…
-
Lost distribution
I hold an OEIC fund through a 'fund platform'. A dividend/distribution payment from the Company that manages the OEIC to the fund platform has gone missing due to a claimed error in an account number in the payment system between OEIC manager and fund platform. As a consequence the fund platform has not passed on the…
-
Confused about Zopa rate
Hi, I've been looking into Zopa and I'm a bit confused. I was hoping someone here would be able to answer my question. Zopa seem to be offering a minimum return of 4.5% gross for a three year investment. However, I'm a bit confused as it's a loan and not a savings account, I get repayment (capital plus interest) every…
-
saving for a car
hi i currently have £1000 saved as i am saving for a car im looking at saving £3500 for a car where is the best place to put my money so that when i have saved enough i can go get a nice car the last one i had let me down so decided to save hard to get a decent one
-
What's reasonable for an IFA?
I am going through an IFA to invest around 100,000 in a diversified way. We haven't finalised details but he mentioned charging a percentage as a fee - between 1 and 3%. I have read around a bit on here but I wondered what would be considered reasonable? I know it probably depends on how much they do for me - it will…
-
Lloyds shares dividends
Hi I have a few thousand Lloyds shares Years and years ago when they were halifax, I used to get dividends I heard they may be starting to pay them again soon The bank account I used to have my dividends paid into is now obsolete What will happen when they try to pay me dividends again? Will they contact me first to ask…
-
Q-Investment trusts and DRIPs..
In my bag of investments i have PLI and MNP I bought the PLI before the MNP and noted that the platform (TDW) operated a drip for this but dont operate it for MNP. I wonder why? I tried asking but their CS have not replied. How am i to know which trusts operate drips? tnx
-
Closest equivalent to child trust fund?
Hi there, i hope someone can help and this isn't readily available anywhere else on here (if so sorry) Basically, we have a 9 year old who received the child trust fund money of £250 at birth £50 at 2 and then we started putting £20 a month in when he turned 7 (and we could afford to). We have recently had another child…
-
Unexplained Investment
I know from working in a bank that lots of people who bought investments are not fully aware what they bought/invested in. More worringly what they paid for the advice, many think it was free. Has anyone had any experience of this? I am interested to know what investments or banks people have had issues with? Please get in…
-
who should i start investing with?
As a conpmete newbie to this market, other than reading about it (see my previous post), im stuck on who to open an investment account with. I like the idea of being able to invest in foreign markets as well as my home market ( UK). Ive been looking into 2 companies H&L and TDDirect. Can i get some honest feedback on both…
-
Problem with Santander 123 account direct debits
My wife and I have a couple of Santander 123 accounts, but we were running out of direct debits to pay from the accounts, to meet the rule of having two direct debits for each account. To get round this problem, I opened a Tesco internet saver account, which allows you to set up direct debits, and everything seemed to be…
-
savings
hi I am new to this forum but like some ideas. I have 20k in a low interest Isa. I want to invest it with the biggest retune. I will not need to touch it within the next 5 yrs. bonds? investment plans? nisas ? pension? all ideas welcome within reason thanks
-
Online Bank Account for trading HY bonds
Hello I found out this very interesting Forum yesterday and decided to register today. I recently moved to UK and I already have a basic bank account with HSBC, as the title says I'm now looking for an online bank account for dealing bonds. I'm mostly interested in government bonds. I'm not a heavy trader (10-15…
-
The Share Centre fees - what are the alternatives?
I have an old self select ISA (ex PEP) with the share centre - ex Bradford & Bingley - now Santander shares. I also have Vodafone Group shares and a handful of Share Centre shares in a share account. The ISA is worth just over £1000 and the others total approx £350. I received a letter a couple of moths ago telling me that…
-
Green shoots for savers, at last?
Kent Reliance BS has recently laucnched a 2.01% one-year, fixed-rate ISA and now United Bank UK has launched 1.4% standard savings account, albeit restricted to one withdrawal per month. Are these tentative signs of the savings drought coming to an end or just a temporary blip, I wonder?
-
Money from selling property
Hi I am in the process of selling my flat and want to be a cash buyer when I buy again. In the meantime can I insure the money I get so that it is safe while looking. It will significantly above the £85K guaranteed
-
New to Savings - best place for my money?
Hi - myself and my husband have a current savings pot of 13k and are putting in between 100 and 2000 pounds per month, its sitting in an HSBC bog standard account at the minute with a whopping 0.5% rate. This is toward a deposit on a house, and we plan to save up to as much as possible by January 2016. We will have a…
-
Is now a bad time to start a S&S ISA?
Hello! Looking at the FTSE graphs, it appears that the UK stock market is at or around an all-time high at the moment. Does this mean that buying into a stocks and shares ISA is necessarily going to be a bad idea right now, (if I think the 'only way is down') or does it mean I should be looking for/avoiding a particular…
-
What to do with life insurance pay out?
A bit of background: I have stage 4 cancer (although not planning on going anywhere any time soon!) and we've submitted the relevant forms to our life insurance company. I'm married, two small children (daughter aged 2 and son who's six months). Mortgage circa £210k. Debts of about £10k. Neither my husband nor I have any…
-
Best place to sell Iridium?
Duplicate thread.
