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Premium Bonds - what happens next?
Hi all I applied and invested £200 by cheque at the start of the month, cheque was cashed days after but I've not heard anything from NS&I. Was I supposed to get something in the post at least? I was expecting a confirmation letter in the post along with a letter telling me I've won a million quid :P a week or so later but…
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best interest rate for kids
Someone said they can get 6% on a kids savings account, is that still available?
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Deposit period on ISA moving to new year's allowance
I just phoned Coventry for their 2.25% ISA asking about the ability to deposit additional funds into the new year, and the lady said I can only do that in this year. However, reading their "Additional information", it states: I understand "open to new investors" means effectively this tax year as it will be closed for new…
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Corp bond ETF
Hello, I am looking for the european equivalent of the US Vanguard ETf 'VCLT', which has a 4.2% yield to maturity... This ETF doesnt seem to be available to buy over here. Given the fact that it is composed of BAA and A rated bonds, this yield is quite appealing. Thanks for your help on this
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Where to sell a Rolex watch?
Sorry if this is the wrong forum, but I can't think where else to put it. Mods please move delete as appropriate. I've been left a gold coloured ladies Rolex Watch. It belonged to my MIL. There are no hallmarks, in fact it says stainless steel. So, I'm presuming gold plate. It says 'Oyster Perpetual' under the Rolex name.…
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online investment ways
what are the profitable ways of investing online?
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Help to Buy ISAs/Normal ISAs
I'm looking to set up a Help to Buy ISA for my 18 year old daughter with me saving for her. I believe this is within the rules to do. My question, is apparently you cant open a new ISA/pay into an existing ISA if you want to have a Help to Buy ISA. What i'm unclear on though is what if my daughter wants to transfer her…
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Aviva - No-one asked me!
Just noticed in the paper that Aviva and Friends Provident shareholders have approved the merger... I have a small chunk of Aviva shares, held through H-L, and nobody asked me my thoughts. (Though I don't think I hold enough to be influential. (Joke, btw) As a general rule, shouldn't H-L have asked me to vote, or Aviva? I…
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What to do with 10K?
Hi, I have managed to save 10K and I'm wondering what the best way to invest/save would be? I have a tracker mortgage which is very low and I am tempted to pay some of that off but are there any good ISAs/saving plans that I could use to make good use of my savings? What would you advise... Thanks for your time
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Cash ISA or 123?
hi guys, I am a HR taxpayer I have approx. £17k in a cash isa paying 1.5% With these new Budget announcements etc., would I do better switching it all into 123 paying 3%? cheers, Albert
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Halifax Sharedealing - feedback?
Hi, I'm reasonably new to investing, so advice welcome! I have dipped my toe in the water by holding this year's ISA allowance (15k) of Vanguard LifeStrategy 100% Acc through Charles Stanley Direct - as a lot of advice on here suggested to do. I'm happy with my fund choice, and have found Charles Stanley to be very good -…
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What live feed do you use?
I'm trying to find a website with a fast live feed of the stock market but I can't seem to find one. Nobody likes refreshing the page every second to get the new updated price. I mean take this for example…
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UK tracker funds
I'm wanting exposure to UK companies to balance my portfolio and intend to drip feed a tracker fund , leave for the long term with minimal annual charges. I'm looking at BlackRock UK equity tracker , AXA Framlington UK select ops , Vanguard ftse UK , fidelity index UK and L@G tracker trust , all ACC. They all have the same…
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St James's Place
I accepted VR from my job in July 2010 and went on a pre-retirement course just before leaving - one of the speakers was a financial advisor and all the participants were offered a free private consultation. I accepted this and subsequently invested most of my savings on their advice. The Company was Berkeley St James Ltd…
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Maxed out 123 - Where to save next?
Hi guys, I would like some advice on where I should put my monthly salary. I have been living extremely frugal the past few months so have been able to squirrel away most of my salary every month to max out my Santander 123 account. I have also increased my pension contributions this year as I would like to focus on…
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Buying Ex DIvidend shares
I am about to purchase some shares but on buying it stated "please be aware these shares are Ex Dividend" I presume these means I will not be entitled to the imminent dividend payout of these shares but will however be entitled to future dividends? I am purchasing these shares as I belive the company is a sound long term…
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Potential CTF to JISA Loophole
Just reading up on the budget and noticed a potential loophole where a parent may be able to invest 3 times the annual allowance on a junior isa. So, come April 6th the JISA & CTF allowance becomes £4080. As the ctf runs birthday to birthday the following could theoretically happen. Child born may 1st for example. Between…
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Best stock screener? (with export to excel function)
Hello, Just wondering what everyone uses to screen their stocks? If there is one which can export to excel so I can sort things by market cap, growth rates, net assets, PEG etc all at once that would be good. I have access to datastream, bloomberg terminal etc at work but ideally I want something i can use at home!
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Biotech " Plunge "
I see biotech stocks are taking a royal hammering, I have a few holdings. whats everyones thoughts? a few people are screaming " bubble " however, it has served me well and no rush to sell
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Does the value of your stock change with the price?
This isn't immediately clear to me but the stock price updates every second pretty much so I wanted to clarify how the price works. 1 second duration Buy £5000 worth of stock Stock price increases by 2% Your stock is now worth £5100 Stock price drops by 2% Your stock is now worth £4998 Or does it happen like this >1 second…
