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new to investing
Hi, I've inherited £60,000 and want to invest it for my future. I'm 46 and have no idea where to start! Any sound advice will be greatly appreciated!:beer:
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"Clean" version not available
I wonder if anyone can give any information on this isse for me? My OH has had a small amount in the Franklin MENA fund for a while (as part of his sipp investments). He would like to add to this, but the platform will not allow it because: a) its a 'dirty' fund, so he can't buy new units of that type b) there is no 'clean…
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Clydesdale current account
I understand they will give you £150 if you switch but what is the interest rate and on how much? Looking to invest 8k short term and earn more than 1.2% net that it's earning ATM. I guess bos and lloyds is the answer.
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Active vs. Passive. When and Where?
I am interested to know what everyone's thoughts are on the active vs. passive debate. When do you think passive wins out and when should you look for funds ran by someone who knows what they are doing? I feel like the general consensus is that passive funds are great for things like getting exposure to mature markets like…
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Investing for Children
I am looking to invest a regular modest sum for our new baby. It will probably only be around the £20 mark each month, plus gifts. The aim is to build a useful fund once DS gets to a responsible age, so something like 20 years. What are my options please? I am not risk averse as long as the risks are not excessive.
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Savings restrictions
For reasons beyond my control (work) I can't hold accounts with RBS/Natwest. As such I have my main current account which my salary is paid into with Barclays and a bills/savings account with Santander (the 123 account so I have cashback on bills and still benefit from interest). I also have a Barclays savings account and…
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Fund portfolio platform
Hi doesnt anyone know any tool/webpage that offer portfolio management/analysis. for free? Similar to Morning Star premium Thanks
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Regular savings query
Mrs Moneysavingtart is about to get her state pension and we are considering putting it away by using regular savings schemes, specifically the 1st direct and M&S who both offer 6% (fixed for 12months) I have yet to find a guide as to what happens after the 12 months? OK the rate might just become variable, which I could…
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telent Shares
We have a few Telent shares following the demise of Marconi . I cant see Telent listed anywhere and wonder if they have any value and if so how they can be cashed in?
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Savings for a non tax payer
Hi My partner is going to receive an inheritance in next few days. She is unemployed and not on any benefit so doesn't pay tax. She will be looking to save £40k so seems Santander might be way to go. What about her not paying tax, can she receive gross interest amount as she has no other income?
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Saviungs accounts that allow creation of standing orders
Hi, I will shortly be living off a lump sum. The lump sum will be sitting in a easy access type savings account and I want to pay myself a monthly wage via standing order. Does anyone know of a savings account that allows that, unfortunately the only one I've found is with Santander and that's where my current account will…
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17.5k, need a decent Interest rate
Hey guys, I've got 17,500 in my Barclays current account at present that I'm wanting to put into an account that pays a good Interest rate. I've had a look around and seen most ISA's are only offering 2% or below. I'm looking at Santander with their 3% (2.4% after tax) which seems my best bet. I don't really want to leave…
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B.O.S Vantage question
ok here is the story, I had all my eggs in one halifax basket until I discovered this site, I had an Halifax current account and A Halifax cash ISA, the amount of money I had in each account is not really relevant, but I had most of it in the ISA. I then opened a TSB classic plus and a Nationwide flexdirect, maxed them…
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Investing UK-sourced money for a UK Dom non-resident
After a relative has passed away a cash-sum inheritance has become available to a UK person living in France. What are the options in terms of investing this money in the most tax-efficient way?
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What would you do in my situation regarding current savings and ISA
Hello, I currently have 6.5k in a savings account paying 1.6% Also have 6k in a 2 year old ISA account, but still pays 2% By my own simple maths over the next 12 months Savings will pay £104 give or take, minus the tax ISA will pay £120 give or take. Should i keep both where they are or should i move the whole lot to my…
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Currency Exchanging NZD-USD-GBP
I have a considerable sum of New Zealand Dollars, i tried to be clever and wait until after the election to trade them into Sterling as like most i was expecting a hung parliament and since then they've lost 7-8% of their value vs Sterling. The NZ central bank is expected to lower interest rates in July thus the NZD is…
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What savings options am I missing?
Hi all, I'm well versed in the current account savings routine, but with the fall in my Nationwide and YB accounts interest recently, I'm just about at the point where I'm out of options. I'm saving medium termish as I don't know circumstances in a couple of years - I have a c£50k mortgage at 2.39% variable but looking to…
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£16,500 to invest ?
Hello Need some advice on what to do with £16,500 It will soon be transferred to my Lloyd’s current account I'll be drawing out £50 a week for the next 4.5 years – when I'll hit state retirement age Where should I put the dosh to get the best return
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diageo shares - help
Hi I have no idea about these things so please help. i have inherited 350 diageo shares from my late husband. We're broke and I would like to sell them. What are they worth (how do I work that out) and what is the cheapest and easiest way to sell them quickly. What should I need to avoid? many many thanks, you are helping…
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5% up to £5000 - What if I go over?
Okay. This may be a very stupid question. Possibly the stupidest I've ever asked. But.. Bank of Scotland are offering 5% interest on balances up to £5,000 and 0% over that. Does that mean if I have, say, £7,000 in the account I earn £0 in interest? Or do I still get 5% interest on the £5,000 and then just 0% on the extra…
