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What to do now with my savings
Hi,a bond for £50000 is soon to mature.i already have the full amount in Santander current account and ISA,s so how can I ensure I get the best interest going forward.
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PMAS guaranteed ISA and Investment bonds
Hi do any of you have a view on these products which seem to offer a guarantee in relation to potential losses
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Tax question 3 year pensioner bonds
The 3 year bonds paying 4% seem a pretty good deal and I'm recommending them to my Mum. It is good that you can draw money out early - even thought there is loss of 90 day's interest. This got me wondering - what is the tax position on this penalty? Can you count the penalty as a loss to offset it against tax due on any…
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novice investing £1000
I have 1000 that I want to put away in my stocks and shares wrapper. Something cheap and simple and low maintenance I am thinking 10-20 years...I guess I could generate 10-20% yield in this time potentially? Would a tracker be best and safest best? What tracker and platform? I want to put 1000 away and not worry about it…
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Funds Return/Performance
Thanks to those of you who helped me yesterday understanding the concept of time :D with funds... Another day another question! What's the return or performance you're expecting from your portfolio? I understand there's no exact formula and not every year is alike and so on, so maybe just a ball park value. What's the…
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Cash ISA due to expire in April- what next
Hello Im a little stuck with what to do about my Cash ISA with halifax thats due to expiure in April. Ive had it will Halifax for 12 months, the year before it was with Lloyds. I have £6k in it and have another 4k in savings. Should i open a brand new ISA with the whole £10k? Is this possible? Or should i just get a…
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Any Tax experts amongst you?
I hope someone could help me please. I've had some shares gifted to me. They were in a share save scheme and were 61p but are worth £4+ now. For CGT purposes is the value at 61p or the value when transferred and gifted? Thank you, I'm sure one you well informed MSEers will be able to help. I have so much faith in you all.
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cashback on current account switching
Do these payments - as from Halifax, for example - count as taxable income? If they do, can a non-payer of income tax claim back the tax?
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Instant Access Savings
Morning all, I am looking for some advice in regards to the best options for an instant access savings account. We currently have £70k in a current account but we are looking to move it to a different account so that we can get some form of interest on it (and potentially secure it a bit). We will need to use the money…
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ISA Allowance
Anybody help? I opened a Stocks and Shares ISA last April. Paid £10000 into the Isa. When the paperwork arrived £9700 had been credited to the Isa. £300 was deducted for the fee to an IFA which was what I expected to pay. My question is. Does this leave me with £5000 or £5300 available to invest in a cash Isa before end of…
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santander
hi my first post have just retired my wife has not earned or worked for 20 years i have account with santander 321 can my wife take advantage of her tax by dep 500 every month as i do and 2 dd,s to reg for none tax payer upto 10, 000pounds a year by opening a 321 acc al
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How do Cash ISAs work?
Can someone help me please? I have a cash ISA in a two year fixed term which ends on 30th September 2015, with a balance of £15,000. Come April 2015, I would like to invest another £15,000 in another ISA for this tax year (all in all £30,000). What I don't understand is; if I invest the new amount in a new ISA in April,…
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Prudential Investment Bond
Hello, This is my first post, and would be grateful for your advice. I have a Prudential and a Legal & General Investment Bond,and due to changes in my financial circumstances, I may have to cash them earlier than I would have ideally wished. I bought them in Sept 2010 for £50,000 each,and they are currently worth…
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Will you recommend buying pensioner bonds?
Public (above 65) seems to be investing loads of money into pensioner bonds. But does it make sense to invest into investments which locks my money for 3 years and also are not inflation protected.
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Prudential SHP Fees
My work SHP is with Prudential - Fees for core holdings are listed as 0.40%. There is no other mention of fees in the documentation - I've tried calling up to ask but was told 0.40% is the only fee...I'm skeptical. Is anyone able to advise if there are other fees such as: - Platform fee - Dealing fees - Fund initial…
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ISA contributions
Is it best to put a straight £15K into and ISa or to drip feed it over a course of 12 months???
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investments available for charities
Does anyone know where I might be able to find out what is available for investing charity funds? I don't want an investment agent - just advice re possibilities. Interest rates are pretty bad for individuals - but almost zero for charities!
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When do you buy funds?
Since you can’t set a buying price for funds like in FX, do you wait till the price is a bit down before placing a deal?
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Current Accounts for Savings - Excess Money over Max Amount for Interest
Hi all, Following on from querying what t do with my ISA, I am seriously considering removing it all to put into high interest current accounts. I will end up with several to the tune of: Santander 123 3% TSB Classic x2 (Joint & Sole) 5% Nationwide Flexplus 3% Tesco Bank 3% I will have approximately £28k spread over the…
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Unit Trust Charges
I hold M&G Recovery units (Class A) direct with M&G. The AMC is 1.65%. Hargreaves offer M&G Recovery (Class I) with an AMC of 0.8% plus the platform fee - which would total appreciably less than 1.65%. Moving the holding to H-L would seem to be a no-brainer. Am I missing something? Are there any mandatory changes to the…
