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What to do with £20,000 (Interest)
Hi All, I have roughly £20,000 saved, i will need this money in the next year or so for a deposit on a house. Where can i put this money short term to earn the max interest, last year i put my money in these places. £2000 TSB Classic Plus 5% £2000 TSB Classic Plus 5% £2500 Nationwide Current 5% £3600 First Direct Saver 6%…
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Annualised Return
Time to pick some better brains than mine. Can I calculate, elegantly, an annualised return on an investment that has had new capital added at random intervals? I'm trying to avoid the spreadsheet ballooning into something resembling the blueprint for all of creation. I have all the dates, amounts, performance figures etc.…
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Rebalancing asset allocation?
When to rebalance? My asset allocation is 80%/20% equities/bonds with a good diversification of asset classes. Happy with the allocation. I had intended to rebalance when any asset was 10% over or under weighted. But although one fund or asset class is well beyond this threshold, others are not so if often means buying and…
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UT or ETF to track FTSE 250
Currently have a UT with HL made up of HSBC FTSE 250 Index Class S units. Only charge I can see is an on going charge of 0.07%. Whilst reading around I've come across ETF's and I have developed the impression that they should be cheaper than a UT. Cheapest on HL seems to be the Vanguard FTSE 250 UCITS ETF which has an on…
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FX charges for buying international shares in an ISA
Hi, I'm looking to buy some international stocks when I open this year's ISA and see most providers charge c1.5% on foreign exchange conversions when I buy and when I sell. Can anyone suggest any providers that offer lower FX conversion charges? At present I was thinking of opening with TD Direct as other than the 1.5% FX…
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"Alternative" Investments
Hello all, A bit of a random post, but I was keen to hear of anyones experiences of alternative investments, i.e. not bonds, equities, property or P2P which tend to be the usual discussed. I guess I am particularly interested in experience anyone has had with things like stamps, coins, watches etc. My interest in this has…
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I want to start saving/ investing £50 per month.....
I would like to do it for about 5 years!!!! Any tips where to put it and what return I would be looking at???? I have never done anything like this before, I am just going o invest my payrise..... So any help would be appreciated....
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ISA vs Regular saver
Hello, I'm not sure what to do with my savings, my Newcastle big home ISA has cut the interest rate again down to 2.02%(inc bonus). So I'm thinking of transferring the money from my ISA to a Santander 1-2-3 current account, which would give me 2.4% interest after tax. Is it as simple as 2.02% vs 2.4%? I'm guessing there is…
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good stocks to buy
Hello everybody, I'm a newbie and very glad to be accepted among you. I'm a student in economics. I do enjoy my study very much since I do love the whole stock exchange business ....
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Castle Trust "Fortress Bonds"
Has anyone looked into investing ion these bonds? They can be ISA bonds and can accept transfers in. They pay a good rate of interest.
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peer 2 peer vs ISA
Hi I have a peer to peer account where I get more interest than an in my isa. I have similar amounts in both. Should I keep money in p2p or transfer to ISA and lose out on interest? Any advice appreciated. Thanks Sarah
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'Personal Savings Allowance.
:money: I’ve just read Martin’s article on the proposed ‘personal savings allowance’. But I would like to know whether we have to claim this allowance or will the building societies, banks etc. pay this full interest automatically?
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JISA's and CTF
Can anyone confirm this is right . My daughter has been into the Halifax today to open a Junior ISA and transfer the Child Trust Fund that her daughter has. Halifax confirmed that the JISA can be 4080 PLUS the CTF amount . In this case the daughter opened the JISA with 4080 and is transferring another 430 into it from the…
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Moneyextra Portfolio
Hi, just a wee alert for those who might have a portfolio set up with Moneyextra. We are sorry to announce that as of the 30th April 2015 we will be closing down the Moneyextra portfolio section of the site. Does anyone know of a site with a similar portfolio facility where you can customise layout? I've had a look at Ft…
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Claiming a loss on share sale
I understand if you sell shares at a loss, you can write to IR and tell them, then claim the loss against gains made in future tax years. Their website says 'You don’t have to report losses straight away - you can claim up to 4 years after the end of the tax year that you disposed of the asset.'…
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TSB Classic Plus accounts, annual tax statement/certificate
i've got 2 of these accounts & have only received a message on one of them to download my 2014/15 annual interest statement (which i need for my tax return). i've just spent ages searching but i can't see any way of getting the same on my other account & i've no idea why i haven't received a similar message on the 2nd…
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Junior savings help
Hi there, I am looking for a Junior Savings account... or the best thing for my situation. I became recently a mom and I am looking to start saving money for my child's future. The problem is that... I have no idea if I am going to remain in UK for 16/18 years. We (me and my partner) are European citizens (Portugal and…
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Savings suggestions please
Hi. I am looking for advice from people with more knowledge about savings than me! I am wanting to save a regular amount (£10 to start) in an account that I cannot access easily, so that when my ds (now 20 months) grows up and we are faced with uni/wedding/help with house for example, we will have a set amount put to one…
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Tracing a cheque from a Bradford and Bingley account.
Hi, I am needing a bit of advice. I am looking to trace a cheque that was put into a Bradford and Bingley account in Feb 2009. I have been in contact with Santander since November last year and they said they cannot trace the cheque as its 6 years old. I have a mini statement showing money going into an account. However it…
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What would you do?
What would you do with 40-50K with the view of making some income/investment?
