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How the share market works?
So I've been trading as a very, very minor hobby for a few years, with only money I feel I can afford to lose. It really isn't much. First trade was BP taking advantage of their oil mishap then Arm Holdings back when they were only £3.50. Anyway. Several years on I've put more money in, now adding up to about £5000. I…
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Equity Crowdfunding?
I'm curious if anybody here has ever done equity crowdfunding, and if so what you think of it? My partner is a journalist and she recently interviewed a chap who was very enthusiastically raving about equity crowdfunding, and she came back very excited about it! This is the company that she was interviewing and they have a…
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OEICs v ETFs v ITs
Please can someone explain the differences and advantages of using these different types of investment.
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Money Saving For An 18 Year Old
Hi all, Did originally post this on the 'Save 12k in 2014' thread and thought I should start a new thread by itself. _____ I'm new to the MoneySavingExpert forum and felt like this may be a good place to post? If it isn't I would be grateful if someone could point me in the right way to a better thread So basically I…
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Family Building Society - Trading name dispute
As many members already know Family Building Society is a trading arm of National Counties Building Society. The revelation of a dispute came about as follows: Reading the SGM leaflets concerning the proposed merger between Family Assurance and Engage Mutual. I am a member of both mutuals so receive different sets of…
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How often are indices updated for recent IPOs? (FTSE...)
Virgin Money have gone through their IPO and are now available for trading. However, at what point are the FTSE indices rebalanced and new companies added if they are large enough? It seems quite a simple and easy question, but I cannot find the answer anywhere.
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Financial Ombudsman and III fund transfer
I have had the result of my first complaint relating to the time taken to transfer funds and the errors which occurred and it made me wonder what the result has been for others who have used the service. I have had £100 compensation and £100 credit and an apology. Basically I am judged not to have been out of pocket "I am…
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Do I need to move from Cavendish to Iweb?
Hi, I have a £26k First State Emerging Markets Global Leaders in an ISA with Cavendish who at the time (few years ago) were the cheapest thanks to commission rebate. Now the rules are changing about trail commission, should I keep the fund there or would it be better (is it even possible?) to move it to iWeb where I have…
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Best Saving account - no monthly payment
I am trying to find the Best Savings Account offering the best interest. Most ask for minimum monthly deposits I simply want to transfer upto 7K into an account that will accrue interest without having to make monthly deposits or use direct debits on the account Any advice most welcome..
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Virgin Dropping Rates
Virgin Internet Saver dropping rate from 1,41% To 1,21% from January 2015,just received notification
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closet trackers
http://www.trustnet.com/News/564091/everyone-has-missed-the-real-enemy-in-the-passive-vs-active-debate/3/1/ "Over the coming weeks, FE Trustnet will research the funds in some of the most popular IMA sectors to identify those that look like closet trackers - and seek an explanation from the managers behind them."
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Long Term Saving Starting From Nothing
So... I've been thinking about starting to save for my future. I am 26 in a job where I earn a decent amount that allows me to both save and live a fairly nice life. I am also lucky enough to own my own place (with mortgage) so my rent money is actually being put my bricks and motor rather than someone elses. In January I…
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Gifting money to a child (not my own)
I would like to give money for Christmas to my two nephews, both young children, for them to have access to at, say, 18. I was thinking of premium bonds but it seems that these have to be held in the name of the parent. Does anyone have any other ideas rather than just giving the cash to their parents?
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My current plans, advice welcome.
Hello everyone, First post. I have been reading through many threads about investing here and thought i would sign up to see what some of you long timers think of my investments/ plans. Basics. 45 years old. 85k mortgage.(23 years remaining) 30k in cash isa 25k in multi asset funds (fund of funds uk, japan, global). 15k…
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Another Newbie - help much appreciated
Dear All, I've been reading my way through these forums and am really impressed by all the help generously given. I know my question is covering well trodden ground but the more I research, the further I seem to get from a decision! Here's my situation. I'm 40, have just paid off my mortgage. I have about £26k in First…
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Premium Bonds £50 to £40,000 in 15 years or less
Despite wanting to experiment with smaller bond holdings and report the findings as part of a smaller savings plan and by accumulating the maximum over a longer period of time, some of the comments have prompted me to keep things to myself. Post deleted
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** fidelity open world fund
Hi Would be thankful for some advice on this. I have 50,000 Sterling with Fidelity (International Fund). I am an Irish citzen so can no longer pay into the fund and it is just sitting there. At the end of November Fidelity are closing this fund and moving the monies into a new fund called OPEN WORLD FUND. I just wonder in…
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£15,000 investment/savings advice please
Hello, This is my first time posting into a forum so apologies if any of these question have been answered previously. My fianc! and I are going to be gifted £15,000 as a wedding gift in the new year and we were hoping for some advice as to where best to invest/savings option - bonds/ISA's etc. So for a bit of background -…
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looking at best ways to invest
Just looking at options for saving/investing. I am a 40% tax payer and have opened a Lloyds club account with a view to putting £5k into the account with 4% interest - realise this is safe and with a guaranteed return. However, I wonder as I will be taxed at 40% on any interest would I be better off starting up a stocks…
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10k investment funds portfolio advice needed
Hello, Earlier this year I started putting my money into investment funds for the first time and I currently have a total value of £10k invested. My goal is to over a 5-8 year period maximise return, in order to save for a deposit on a property. I plan to keep adding money on a monthly basis to funds (£600 every month) and…
