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RBS Autopilot
Hi all, Is there anyone out there who bought an RBS Autopilot product and would be willing to share their experience? RBS recently admitted that Autopilot probably isn't appropriate for individual investors, and is contacting buyers and offering them their money back. Anyone been contacted? Best regards.
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Santander 123 3% account
If you are opening a Santander 123 bank account, don't put any money in until you are certain that a minimum of two direct debits have been received. To immediately take advantage of the 3% rate I deposited a large sum after arranging for the DDs to be transferred. There was a delay in receiving one of the DDs. this…
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Some advice please...
Recently I have takes steps to get organised and serious with my finances and savings. Thus far I have opened current accounts with Lloyds, Nationwide and TSB and filled them with the max balances to earn the max interest I can. I have also opened a HSBC loyalty ISA and filled that with £300 to take advantage of their…
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What should I do with my cash ISAs?
Hello I have 3 cash ISAs all of which will expire in the next 6 weeks. I'm looking for advice on what to do with them as interest rates are currently so low. My next ISA will be stocks and shares and will be putting the full allowance into that. All my previous ISAs have been cash. I don't want to transfer my existing cash…
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65 plus bonds.
Just checking I am doing the right thing. I deal with all the finances in the house, I am about to send a cheque off for the new Pensioner bonds. My husband is neither computer savvy, or financially savvy so my thought is that if I do the bonds 'joint' then if I happen to pop me clogs, the bonds/money will automatically…
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Are you all invested in properties?
we moved to a new place and the itch of buying is back on my mind... Are you all invested with some property or is it possible to prepare for the future without being a landlord or mortgaging and owning bricks? Any success (or positive) stories about being without properties? Thanks!
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Sunday Times - Why Friday is the Most Dangerous Day for Fraud
Thought I would post this just in case it might be of interest to anyone who doesn't get The Sunday Times: http://www.thesundaytimes.co.uk/sto/business/money/Consumer/article1527879.ece I used to have an account with HL (probably still do, with a zero balance). It said that the fraudster had been hacking into the man's…
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Legal and General International Trust
Hi all, I was considering investing in the Legal & General International Index Trust Tracker (I class) but there are a couple of things I was a bit confused about. I would be very grateful for any guidance! I am trying to work out whether it has any significant tracking error . It is intended to track the FTSE World (ex…
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Where to put matured cash isa for £36k
I have a fixed term cash isa maturing in the next six weeks which has £36k in it. I am fairly sure that Santander, where it is invested at present will not be offering great rates so I have decided to transfer it into stocks and shares. I like the Vanguard LS funds and will be investing my 2015-2016 allowance into the VG…
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Shaky inheritance
My wife's 90 year old aunt, after living most if her life in California, wanted to come home to live her remaining days and to be buried here in her birthplace. She had no children. So my wife brought her back to live with us. She died recently leaving only about $1500 in US savings bonds. The bonds listed her mother as…
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S&S ISA and Cash ISA
Am getting a very poor rate on my cash ISA and would like to top up my stocks and shares ISA - am I allowed to transfer out of cash ISA and into S&S? Not sure of rules here!
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Selling House and Income Bonds
Hi all, I am in the process of selling my house and will soon have £200k in the bank. I am going to be using this money to buy a new house in the winter (moving in with gf meantime) and was thinking of sticking the money in NS&I Income Bonds for the short period that I won't be needing it. My thinking behind this is that…
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Biotech / pharmaceuticals
Thinking of investing in this area and have undertaken research. The U.S biotech Giants have high priced shares so possibly missed the boat as 2012 appeared the time to buy however there are a couple of decent funds in the Axa Framlington - either biotech or pharmaceutical , not sure if anyone has any opinions on these…
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S&S ISA Savings Plan?
I have £19K in a cash isa and am considering transferring £7K into S&S ISAs (leaving £12K for emergencies). I already dripfeed £80 pm into the Vanguard Lifestrategy 80% Equity Accumulator fund and am happy to take the risk on this as I'm not planning on touching it for 10+ years. I'm thinking of splitting the £7K across…
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Savings Accounts - Three months only.
Hello all, For the past couple of months my bank account has been sitting at a healthy balance, this is good, however it's been sat there doing nothing! I've put £750.00 in a Premium Bonds account, I know, 0% interest but, it does stand the chance of winning something, all be it a small chance. A further £500.00 has been…
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Nationwide Loyalty Saver 0.3% rate drop
Has anyone else received a letter from Nationwide with a 0.3% interest rate drop on its Loyalty Saver. I received a letter on 4th March saying they were yet again reducing the rate on this account on 1st April, dated 19th February. I wrote a complaint and received a call yesterday.( My letter only took 1 day to get to…
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Old Share Certificates
Have been clearing out some old paperwork today and have a number of share certificates that I don't think are valid any longer. I know that I should have disposed of them when I undoubtedly received some kind of correspondence relating to these companies years ago, but I am a dreadful hoarder and always think it is worth…
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Platform cost of s&s isa - vanguard lifestrategy
Appreciate I'm late to this (personal circumstances) but now keen to check the monitoring costs of my s&s isa with Hargreaves landsdown I've got approx £35k in vanguard lifestrategy (and £3k in another fund) which is costing approx £14 per month. Is this the best deal out there? If not, what are the costs of moving? I…
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Can someone answer easy interest question for me please?
Hi my brain will not function. My daughter is earning 4% on her savings. She has an offset mortgage which is charging 3.85%. She is basic rate tax payer. I think the savings will be better if paid in to the mortgage because 4% is 3.2% after tax, and 3.85% is not taxed. Am I right? I have confused myself can anyone explain…
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New Europe Property Investments plc?
http://www.nepinvest.com/ Can anyone tell me anything about this fund? I can't find very much info about it, but would like to know more about fees/charges. I'd like to include it as a small percentage (3.6%) of my total investments. It does look like a very risky investment, but it would be held for at least 5-10 years…
