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Opening Multiple ISAs
Dear Forum, I would like to transfer my (mid-sized) savings pot to the 2% Clydesdale fixed rate account. Am I right in thinking that the fixed term dictates that you cannot add additional funds to this? In this instance, I believe my best course of action would be to simply open a Post Office 1.5% Premier cash ISA to which…
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BOS vantange
I used to have a Lloyds vantage account. About to open a BOS vantage. Do I require 2 DD on this to earn the interest ? Thanks
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P2P lending interest to be included in £1000 tax free
I don't think there's a thread on this yet, but from the Zopa forum: http://talk.zopa.com/topic/9376-p2p-isa/ see post 13 http://www.altfi.com/news/842 How this fits with P2P coming under the ISA umbrella... :question:
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Income from holiday cottage
Thinking of investing in a property to let out as a holiday cottage. Has anyone done this? What sort of return did you get and was it worth it?
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Aegon - Threadneedle
I have Threadneedle uk equity income (acc) in my Aegon pension. I recently contacted them to ask how/ when the dividend income will be paid. I believe the fund pays apprx 3.75 yield. To my surprise the have informed me that no dividend is payable. Who is correct? With accumulation units i assume that the divdend add extra…
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Where to store savings?
Morning my friends. What is the best way to hide (not sure if that's the correct term) your savings from a government body so they cannot debit your account for example if they believe you owe them money..... when you dispute it. Trying to rack my brain and struggling so after some ideas. Thanks.
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What to do next?
After several years of observing, time for me to seek advice, and opinion on current financial status. Me. 54 year old, wife( Japanese so no UK pension) no children, House value about 180000 no mortgage, 19 years UK pension ( too many years as an expat - will pay back the last 6 years and then contribute till retirement )…
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Looking to add an EM fund - a little confused
I'm looking to add a global emerging markets fund to my long term portfolio. But I'm really stumped about how to choose the 'best one' for me. Is it just a case of going to TrustNet, finding the best performer and taking in to account the risk profile, fee and aim?…
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The next phase begins - time to clarify my thinking...
After some hard work over the past few years I'm just a few months away from being 100% debt free. Even better news - I just turned 40, so there's plenty of time left to invest. Even better news.....I've got £700 p/m that can be invested without harming my day-to-day financial security. In addition to all of that I've got…
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Question about current ac savings + ISAs
Sorry if this is a daft question, but in the savings section of MSE, Martin recommends using high-interest current account/s to build savings throughout the year, then moving all the funds into an ISA at the end of the financial year in order to maximise the interest earned. It's not clear to me what we should do after…
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Saving for a disabled child
My daughter has a severe disability which means she will need to be cared for all of her life, and is unlikely to be able to make financial decisions as an adult. She's just turned three, and I want to put some money aside for her monthly in case she needs it when older, for equipment or support and so on. I was…
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Interest on NS andI 65+ Bonds
I did not subscribe to the bonds when they were first issued as although they pay a good% rate, I am a basic rate tax payer so interst would have been taxed. However following the proposal to introduce the £1K tax allowance from April 2016 , if I take out one of these bonds after 6April, the interest would then be tax free…
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Australian Natural Resources Fund closure
I used to hold units in the Australian Natural Resources Fund managed by Thesis Unit Trust Managers (formely Ocean fund mgt) I had a long term view on my holding and with the resources bear market lost quite a bit, however, I had hope this fund would recover in the long term, but now I don't have that choice. DAK if I can…
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Saving's sense check
Hi all, I've a paltry sum of savings which are in a rather low interest ISA, so I've been thinking of ways to try and give it a bit of a boost as it needs all the help it can get. After reading around the site I think I have a plan and was hoping I could have it sense checked: 1. Close my current ISA account and move it…
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Pension for a stay at home mum
I have been a stay at home mum for 2.5 years. Prior to that I had a well paid job and I will go back to work sooner or later depending on whether we have another child or not. We have never claimed any benefits like child's benefit as my husband earns a high salary. I was never on maternity pay as I was made redundant…
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Come into some money, need some advice
Hi, I recently came into some money, high end 5 figures, and wondered what I could do with it. I thought about investing it, but I don't think the interest/return would be substantial enough to live off. Any ideas or advice would ve greatly appreciated
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Equifax vs Experian
Wanted to do a quick check of my credit report, but apparently I've already used the Experian free trial !! (dont remember doing so....maybe I just did it for cashback years ago and didnt even read the report..!!) Do Equifax and Experian both contain the same information ....surely they should ....? Something told me…
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Old people's savings
I have just realised that as I only have a state pension of £6500 and do not pay tax, I don't need ISAs and could use the old people's bond at 4%. I have £30,000 which is just maturing in a one year fixed rate ISA so am I right in thinking I should put it into the old person's bond? If they withdraw this, it would only…
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Emerging market investing
I bought shares in the Lazard Emerging Market fund 6 months ago and since then the share price has gone done and the fund has underperformed the market by about 5%. I know this shouldn't necessarily be a trigger to sell and there could easily be a bounce coming, but is there a better emerging market fund/tracker out there…
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Lendinvest
Does anybody have any experiences with Lendinvest, good or bad, that they can share? I came across an offer they are currently providing which gives £100 cashback on investment of £5000 or more in the month of March. Many thanks
