-
ETFs UCITS question
Hello, I'm researching to build a pension-oriented portfolio. I'm a UK citizen but live in Italy. I'm trying to establish whether I can access Vanguard's products here in Italy, but when I search on forums and on "Borsa Italiana", which is the Italian stock exchange (owned by the London stock exchange), I get no results.…
-
Transfer ISA funds or look at regular savings?
I currently have approx. £7,000 in a Nationwide ISA that is a couple of years old now. The rate has recently dropped to 0.75% and I'm looking to try to make these funds work a little harder for me. I already have a maxed out TSB Current Account (5%), Nationwide FlexDirect Account (5%) and Club Lloyds (4%) and a small token…
-
Best savingsaccount for small amount of money
I'm looking to put up £20 a month in a savings account. I'm happy for the money in the account not to be immediately accessible if it means I can get a higher rate of interest. Any recommendations on what savings account might be suitable most appreciated. I realise that £20 a month isn't a lot :)
-
S&S ISA or not?
Hi, I've just been looking into S&S ISA and i'm probably looking at starting getting into at least this after the election. AXA seems preferable according to martin, but as i look into it more it seems just like actually holding S&S. So do i have the same control in an ISA compared to just going entirely into investment…
-
Santander isa
I have a few Santander ISA's. Two of them finish their terms one end of March. Interest not paid till May. One end of April Interest paid out June. I want to transfer one of them to my Santander Current Account once the interest is in the account. Does anyone know how I do this. I need the money to pay of a credit card…
-
Using a Cash ISA as a "Regular Savings" Account
Hi hope you are well. Just some context first that I live with my parents and am currently retraining after several years in and out of hospital. I have had no income for the past 3 years from anywhere such as benefits etc. Only income is from interest. I have 3 Barclays accounts: regular (£90), e-savings (£1000) and…
-
What works best for you
Just out of interest- If you had to name your favourite account, that works best in your favour what would you choose and why? It could be savings/ current account/ ISA..... anything It could give you best interest, monthly reward, or benefits like insurance etc What financially is your best account?
-
What to do with a small inheritance?
My Dad died earlier this year, leaving me and my two siblings a house and a very small amount of money (less than £7,000). We expect the house to sell for around £90,000 which would leave us with around £30,000 each. I currently rent a property with my husband, so no mortgage to consider and at nearly 50 little point in…
-
Investec closing trust current account. Where can I go?
I have had a deposit account and a cheque account for a family discretionary Trust with Investec for a number of years. They are now closing the cheque account and I have until 10th June to find an alternative. Does anyone know a bank that will accept a current account in the name of a trust? I'm not that bothered about…
-
Inheritance and savings plans
So I am in a very fortunate position of just inheriting a large cash sum following the sale of my parents house. So I am looking for some advice with regards to savings. My rough plan is to put approximately £80k into a three year savings plan of some form - a fixed rate bond maybe? I want to put £20k into an account where…
-
NS&I ISA problem
I have tried (correctly and legally) to invest in an NS&I ISA. I am registered with them on-line, but when I enter my NI number the message comes up that my NI number is already in use. Well, I'm sure my NI number is in use in many places, but maybe the problem is something to do with my holding NS&I Premium Bonds. I…
-
Save to buy
Hi I've just opened a save to buy isa with nationwide. I want to also consider getting the new government scheme in August , another save to buy isa. I opened the one with nationwide before the new tax year. Can I open the new government one in August. I know Martin has said you can't open a cash isa, but what about the…
-
Cash ISA question
Due to my lateness and Natwest's shoddy online ISA application system, I applied for a Natwest 2014/15 Cash ISA transferring £5000 from my Natwest current account 2 days before the April 6th deadline only to find later that no money was ever transferred and the empty account didn't show up online until the 8th. I accept…
-
ISA 2015 Budget Changes
We have a few different ISA accounts, one of them was a regular save ISA which the interest rate dropped on April 1st. On April 6th I intended to transfer it to a different ISA account we have with the same BS. Mistakenly I transferred it to a normal saving account (dumb I know as I had already done one of our accounts)…
-
Iweb fund selling question
On iweb i am invested in several funds that are valued just once per day. If i choose to sell a fund is it sold at the price its valued at at the time i choose to sell or is it sold at the price its valued at once the sale actually takes place 2-3 days later? Thanks, Dean
-
Fidelity monthly investment from ISA Cash Park?
Anyone know if it's possible to set up a monthly investment using cash already inside an ISA on the Fidelity platform? In other words this would be a monthly switch of £x from ISA Cash Park to A.N.Other Fund. I can find an option ('Monthly Savings Plan') for buying a fund via a Direct Debit for new money, but not using…
-
Lifestrategy 80 Acc - can I just leave it to do its thing?
Hello all I've just registered with Charles Stanley Direct with the intention of investing monthly into the LS 80 Acc fund - £500 a month. Points to note: 1) I'm fully aware the value of an investment can go down as well as up 2) I know we're likely to be better off by investing this money rather than sitting on the cash…
-
Rebalancing when a fund is hard closed
Hello, My ISA portfolio includes 3% (target) of Schroder UK Dynamic Smaller Companis Fund which is hard closed. The fund is 9% down in the last 12 months and a rebalance is necessary. Since I can't buy more units of this fund I'm wondering is I should (a) leave this fund as it is and rebalance by buying more units in…
-
Student buy to let property as an investment.
We have a child going off to University in September. For the first year she will live in halls, but subsequently will move out into private rented. We are looking at buying a 3 bed terrace with 2 receptions and making it into a 4 bedder. The going rate for student rental is £400pcm in the area concerned. So income of…
-
Cooling period for new regular saver?
Hi I have 3 regular saver accounts reaching their 12 month maturity soon: - 2% on up to £250/month with TSB and Bank of Scotland - 4% on up to £400/month with Lloyds I believe all 3 automatically convert to some other saver account (with rubbish low rate) keeping the same account number. Can I immediately close the account…
