-
Cheapest Stocks and shares isa
Hi, i have been investing in shares over the past few years but have baught all these outside an isa, i dont own enough to worry about tax at the moment but want to start a isa this year for funds and shares , i am looking for an account with low charges that i can hold both funds and shares, the funds i will probably…
-
How would you invest £100,000
So, if you had a house with mortgage, adequate income for your lifestyle, no other debt and no other savings or pensions but found yourself with £100,000 to invest, what would you invest it in? Our initial thought is to buy a couple of rental properties but we want to explore our options. We don't need income from the…
-
Is this a good Idea?
After advice on the following proposal and for any flaws in my plan. I am currently saving for a car. I put in approx £350 pm. I plan to buy the car in 2016. Had an email from Santander offering me a (guaranteed?) rate of 4.3%. I have a 123 account with them offering me 3%. My suggestion is to take the loan out which…
-
Direct debits
Hi all, Does anyone have a list of direct debits that will suffice for savings accounts? e.g to charities, saving accounts. thanks,
-
Shawbrook Bank
I am thinking of putting a considerable amount into a Shawbrook 3 year bond, however on researching the internet I have discovered that there is a Shawbrook bank clone. How can I distinguish the real bank from the fraud one?
-
Yorkshire BS
Received a letter today, 22nd July from a Sarah Jackson - Head of Customer Service at Yorkshire BS, hi-lighting a rate change from 14th July. Letter mentioned that the postal saver account interest was increasing from abysmal to useless, I have £25 in this account. No special mention of the 0.25% decrease in the interest…
-
Where to Invest?
Hey, I have £30,000 and I was wondering if anyone has any ideas where/how best to invest this money. I have no debts.
-
How do I find an IFA?
Hi all, In the next couple of weeks I'm going to get a large inheritance. I need to find an IFA who can set it up so that I'm just drip fed a monthly allowance so that I don't spend it all (I have bipolar disorder and my spending has been getting out of control lately). Does anyone have any tips on how to find a good,…
-
FCA regulations - time taken for dividend payments
I'm having problems with iii with late payment of dividends/interest from funds I hold there (as are others in this thread). Before I transferred to them, I asked them when such payments would be credited to my bank account and I'm sure I was told that FCA regulations stipulated that it must be within x days. Unfortunately…
-
Safe, secure and lucrative house sale money
I am selling my house and expect a gap of between three and eight months before the purchase on the new house completes. Where can I put my house sale income (£550,000) where it will be absolutely secure but also attract a reasonable rate of interest.
-
Fund performance graphs longer than 5 years
What site/s show this data,all I can see is up to 5years.Thouight I heard somone mention Trustnet but can't find that myself on thei site.
-
Mis-sold ISAs
Both me and my wife were recently contacted by the major building society we had been saving with since 2003 informing us that we may have been mis-sold our ISAs. The bottom line is we have both received the following info: Total value of saving if we had not made the investment = £40600. Compensation for lost investment…
-
Trustnet comparison tool
I'm looking for a way of assessing the correlations between two different funds. I understand that Trustnet has a comparison tool which will enable me to do this, but I can't find the tool. Could anyone point me to the right place? Thanks.
-
Saving?
Hi, I am 20 years old and on a fairy low income (roughly £1200pm) and my outgoings (bills etc) are about £300 a month leaving me with roughly £900 of "disposable income" I DESPERATELY need/want to start saving as i am tired of crawling from payday to payday due to my stupid spending ! i am looking to put away about £400 a…
-
Getting an IFA when an expat
My former IFA dropped me as a client. My current wrap account provider (Transact) has consequently hiked its charges dramatically. I need to find a new wrap account. I'm an expat living in Asia. All the self-directed wrap account providers have turned me down, either because I don't live in the UK or because I don't live…
-
Quick funds question
Hi, i am using halifax for share dealing purposes and have baught numerous shares, but i am going to buy my first fund first state asia pacific leaders but when i go to buy the fund on the dealing pages i get 4 different options , im assuming the slight variation in names is something simple but i just want to double check…
-
Child Savings Tax Question
Hi I understand that a child can earn up to £100 interest from money from parents without any tax been applied, and that it's £100 per parent. How does this work in effect though from the banks point of view do they automatically tax if it's £100 or £200 ie do they assume a child has 2 parents, if not what do you have to…
-
dads hard earned cash
Hi there my dad recently gifted myself and my sisters a sum of 20,000 pounds each and told us to invest it wisely.As i want to do rite by my dad and not to take any high risks with his money can anyone give me any advice as to were to invest it.?Am thinking of a 5 to 10 year plan.
-
Balfour Beatty, Sports Direct, GlaxoSmithKline......good long term investments?
I've recently purchased shares in these three companies because I felt I was woefully underexposed in the sectors they operated in.... What do the MSE sages think about the medium-long term prospects of these companies? Are there any companies that are more prosperous than the three I've invested in?
-
Tesco bank Direct Debit limits?
Hello I have opened 2 Tesco saving accounts (internet saver & instant access). I have set up 8 direct debits on each savings account to move money in. Today I tried to set up another direct debit, but both accounts failed with the same message. I can't remember the exact message, but was said something like further checks…
