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Confusion on investment accounts with Fidelity or Cavendish online
Has anyone else been confused on accounts opened with Cavendish and Fidelity? Cavendish uses the Fidelity funds platform to invest online and somehow I have ended up with two accounts on the same account number, one with a fee presumably with Cavendish and one investing direct through Fidelity. I think this probably…
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Best S&S ISA platform to invest from?
Hi everyone. I plan on investing around £100 a month into a S&S ISA for Vanguard LifeStrategy 60% Equity Fund, but I've got no idea of which platform to use without going through every single one which would take forever, so just wondering if anyone has any knowledge on this? Thanks :)
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Lloyds - Potentially good investment
Looking at investing into Lloyds as the government completes its sell-off Thoughts?
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£30,000 coming in September - options
I am to receive £30,000 in September as inheritance following the death of my father last year (we kept it invested in Premium Bonds for a year as per his wishes). I have £5000 already in savings and my current situation is: - £30,000 salary - Single - 24 year old graduate living in London As this money was never meant to…
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Accrued pension tax relief
Has anyone been told that HMRC are being slow paying the pension tax relief? I made a contribution to my Fidelity SIPP in April and have still not received the tax relief on it. Fidelity keep telling me that there has been a "well-known" recent problem with HMRC being late in paying the relief. Would be interested to hear…
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Gonna be that guy
We sold the business, and I have about £500k to invest for 10 years plus. I already have about as much already invested or in savings accounts, split about equally between individual shares, VSL 60% and cash products. ISAs all maxed out. Pension fund protected. My head tells me to stick it into the VSL 60% fund, or maybe a…
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Drip Feed/Lump in S&S ISA??
Hi All, Just looking for opinions on a couple of scenarios. We have our Emergency Fund 20K (Sitting in a mix of Santander, TSB etc) I have a S&S ISA currently under funded this year by £15,000 (Only recently opened) Missus has a S&S ISA under funded by £10,000 for this year. Our emergency fund though sitting in cash…
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transfering money on death
hi. most of our money my wife has is in her accounts , her name ,because she is a non tax payer. my question is please , when the inevitable happens (death) will my wife be able to transfer all my money in to her accounts and close the accounts that i hold?, i want this to happen , will it be ok to do this?,it sounds the…
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Reducing equity share over time
Hi guys My monthly drip feed investment into Vanguard Life Strategy 100% Equity will be starting soon. I was wondering if there is a tool or calculator I can use to gradually reduce my equity share over time, e.g. by 1 or 1.5% per year. Thanks, Chris.
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first post please can anyone help?
Hi I have £500 to spare and intend to save £120 a month for 14 years to help my daughter pay off her interest only mortgage off at this time. I know it is not a lot but would appreciate any advice offered on how to get make the most of this money. I was wondering would a cash ISA be appropriate and if so given today's…
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Small savings - any point?
I'm 29 and have £4,500 in savings. I rent a flat and only earn around £16,000 a year (this is set to go up but there'll be a maximum of £20,000. I can afford to save around £100 a month. I have no pension. Is it too late to start saving for retirement and will I ever have enough for a house deposit? I don't know where to…
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new car
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joint savings account with good interest
Hi All Not sure if anyone can give me any advice or their own experience. Myself and OH got married fairly recently and were given quite a few checks in join married name. They add up to a fairly substantial amount and we would like to put them in a joint savings account with a good rate of interest. My OH does not want to…
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48 Year Old PO Savings Account
Hi Everyone, This is my 1st post so please be gentle :) My mum has given me an old Post Office Savings Bank pass book. My parents deposited £1 for me way back in July 1967. There have been no other transactions. Bearing in mind the account was in my maiden name (I was 10 months old at the time) & also at my old childhood…
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Noob question regarding execution only broker and ACC funds
Hi, I'm dipping my toe into investments in a small way and as well as dropping some funds into funding circle have opened a sharedealing account with x-o. Each trade has a fee attached so I was wondering what happens if someone buys into an ACC (as opposed to an INC) fund. As the dividends are reinvested in the stock does…
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Charter Savings Bank £85,000
Is the new Charter Savings Bank £85,000 FSCS cover shared with any other banks?
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Waste of time saving now...
Just had a letter from Barclays saying the ISA interest rate is changing (I need not do anything!) well further reading concludes the interest rate is dropping again to 1% over £30k from 1.38% which had already dropped from 2%+ in the past :mad:
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Best way to save.
Hi there, Looking for a little advice. I have been long term unemployed but have recently been given a new job. This new job is quite well paid and due to the fact I live at home ( had to move back as was unable to afford the rent on my own place) my outgoings are quite low. I would there for like to be able to start…
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Strategies for choosing Managed Funds
I am planning to open a Hargreaves and Landsdown stocks and shares ISA. I am having a difficult time choosing what funds to invest in. The closest I have got is reading an article in the Sunday Times were the following funds were recommended: JP Morgan Global Emerging Markets Income Trust Liontrust Asia Income Fund…
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Tin woods-santander-head of cust services
Hi looking for e-mail address for TIM WOODS Head of Customer Services at Santander. Interest added onto credit card despite having 18th months interest free credit on purchases, and after phoning and e-mailing customer services they have still not removed interest and it is still showing for the next month. 2 Letters from…
