Savings & investments

Archives for August 2015

RCG Holdings Ltd
I bought a few shares in RCG Holdings Ltd about ten years ago using my HSBC Invest Direct account. The company ceased trading on the AIM market last year as described here: http://www.londonstockexchange.com/exchange/news/market-news/market-news-detail/12009144.html Why did the company cease trading on AIM? I have a share…
Saving my money
Ok so I have £8487.97 across all my accounts... The accounts I have TSB Classic Plus Barclays Current A/C Barclays Everyday Saver Barclays Instant cash ISA Issue 1. Barclaycard Initial £1200 Limit I am probably gonna use £200-£400 (Berlin trip October) £1500-£2000 (Newzeland Trip Dec/Jan) I ideally would like to keep TSB…
Leaving Share Incentive Schemes
Hi All, First time shareholder here... Apologies if this is the wrong forum for this, but my question relates to Share Incentive Programmes (SIPs). I had been working at my previous role for around 5 years, during which I got a number of Free shares (not worth much, just about £500 today). Now this is my first job where…
Starting to save
Hi, I’m currently 26 years old (as of 5th sept.) and I have just graduated university. I have got a job as a mechanical engineer at an American oil and gas company (based in the U.K.) and I have a basic starting salary of 40K. I have worked out crudely that it will be closer to 47.5 – 50K with bonus, allowances, overtime…
Fund ISA with advisor or on your own
Hello there I'm about to start investing through ISA in funds and I've meet a financial advisor to understand the services a bit better. His fee is: - £1000 for setup, one time only - 0.5% of the fund managed This advisor will placed and managed the money in actively managed funds model for a targeted return of 7-8%…
Hargreaves Landsdown question
Anyone here using HL can tell me when you get your dividends income, where do you see how much you got? All I see is loyalty bonus, where can I see how much I've got in dividends? Thanks.
Junior ISA USA/UK joint citizenship
My two grandsons(aged 15 and 18) have dual USA/UK citizenship but have lived in the UK for the last 12 years or so. Some years ago I opened a Junior ISA for both and have continued to contribute, but I am told that with the eldest now reaching 18 years old he will have to make a yearly return to the USA tax authorities,…
Share trading by post.
I have a relative that used to buy shares at a local bank. This service has now stopped and they are looking to buy further shares in the future by post. They do not have internet access, although I know online would be a much cheaper way is there any brokers or platforms that would do this? Thanks.
Investing Proceeds from Sale of London Property
I am a UK expat and I have recently decided to sell my London property, which is currently rented out on an interest only mortgage. I expect to make around £130,000 from the proceeds of sale. Having done a fair amount of research, it seems that investing in ETFs is the best way forward. I will start with a modest sum and…
Which ISA
I have around £70000 in ISA's - currently invested in a investment management company - that I am considering moving out (it is not doing too well and I am looking for more piece of mind) 1. Is this a wise move ? 2. I am aware that rates are low - but what is the best bank to put the funds in to ?
Any views on £25 tax free savings bonds?
Was looking at various small regular savings vehicles, primarily to put away some money for the kids. I came across the additional £25 savings bond but after 10 years and £3,000 saved it could return between £2,500 (at 2%) and £3,500 (at 8%) Am I seeing this correctly? I need 5% return just to get back what I put in? I…
Trying to unpick investment !
Hi, I'm handling the estate of a relative who died age 82 with no direct dependants, I'm her nephew and appointed executor. In 2012 she was sold an investment in life funds (L&G Portfolio bond) and the policy names her as grantee whilst she, along with 4 children are named as lives assured. On her death the bond ownership…
cooperative vs public banks? CD - HELP!
OK hello Im new here, im from Latin America since 5 years ago i have my money in a Cooperative in deposit certificates its quite a good amount i have there, this cooperative at the moment gives me a 10% of interest in the term of 1 year, and i DONT touch the interest so i just left them geting bigger, its quite one of the…
Index linked savings certificates
I invested a 8k inheritance in 2010 for 3 years (wished I had done the 5 year when the bonus was 1%) and in 2013 I rolled them over for another 3 years. It is due to mature in January and I have no idea what to do. According to the calculator its worth around 9.6k. It is not money that I need but I would like to see it…
"Wealth" Management
So a few weeks ago I posted here about what to do with a large-ish lump sum acquired after the sale of a family business. I was virtually decided to throw it all into a Vanguard Lifestrategy fund and let it do it's work but Dunstonh opened my eyes. So in the meantime me and my siblings have all gotten some advice, but…
Having more than £20k in Santander 123 current account
Hi I've just read on the best buy tables on here that you receive 3% interest in the Santander 123 current account if you've got 3k - 20k in it. What happens if my balance is more than 20k? Would I be ineligible for the interest or would I just receive interest on the first 20k?
M & S Savings 6%
So I can't work out why you only get £96 on the £3000: http://bank.marksandspencer.com/banking/current-accounts/existing-customers/#monthly-saver 6% * 3000 = ~£180? Can anyone explain this to me. Sorry, I'm hopeless at percentages sigh :/
Share £200 with a friend
From NationWide, I read: Current Account Customer? Recommend us to a friend and if they switch their banking* to us, we’ll give you both £100. Is there a better offer to recommend a friend than this? Also I opened a FlexDirect account with them, but I haven't switched my main current account. If I recommend them a friend,…
Pension fund going down a lo recently, need advice
Not that I have a huge amount, but this past year any contributions I've made into my pension have bascially been wiped out, especially this past month, one particular fund which is high risk Asia Pacific is down quite a lot. I am wondering when is it best to switch funds. I have a mixed risk portfolio, but thinking of…
NatWest reduced protection to £75000
Had a letter this morning telling me that the protection has gone down from £85,000 to £75,000 Anybody else had this? It does say that the £75,000 is per person so with a joint account the protection is £150,000 I am jointly holding with another in a joint account about £97,000. The money actually belongs to a third party…

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