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FTSE Returns Since 30th December 1999
Interesting Table.
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Investment fees?
Hi, Have received a request from Hargreaves Lansdown for a 'top up' to cover a fee I had no idea was coming or indeed outstanding. The fee concerns my Vantage Fund & Share Account and HL suggest a minimum cash balance of £230. What does this mean please? I have replied to HL asking exactly what the fee is for - I haven't…
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What to do for saving money?
Hello MS Experts, I am looking to really put my money to good use by saving it but don't really know where to start, so I am posing these question to this forum. I started a new job in London around a year ago (salary of about £24k/annum) and decided that because I have a lot of money left over each month after bills/rent…
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New Financial Services Register search
One for your bookmarks: The FCA have launched a much easier to use search of the Financial Service Register https://register.fca.org.uk
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Pound-cost averaging
Does this work better than investing a lump sum? Invested a lump sum just before the recent crash (although it has now regained to about 0% +/-)
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Financial Advisor fined £135,000 for mis-selling!
A FA has been ordered to pay a customer £135,000 compensation for mis-selling an inappropriate equity release mortgage by the FOS. Even tho' it was shown to be mis-selling the FA still tried to wriggle out of the verdict by only paying £50,000 compensation! The FOS stepped in and ensured the FA paid the full amount. I find…
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Savings account for a local charity
Hi, I'm looking to save approx. £10k - £15k - this is for a local community organisation and we are a registered charity. I can't seem to find much other than a treasurers account at the TSB and Bank of Scotland. Can anyone advise what else is around? Thanks
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First Direct
Hi All I need a bit of clarification on the wording on the first direct fee waivers. Im hoping the account is fee free indefinitely providing you meet the waiver conditions stated. ie another account, £1000 balance etc. The thing that Im not clear about is the mention of the first 6 months. Does this mean that the account…
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What to do?
Hi I am currently 23 & living at home. I earn quite a small amount, but I don't have many outgoings and as of now my income is adequate for my current lifestyle. Over the years I have always been a saver however, and therefore have around £6/7000 sitting doing not a great deal...which I have decided seems a waste!…
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Self employed, 20k of savings but unable to get a mortgage.
Hi Due to an accident a few years ago I had to give up my 40k salary and go self employed. I'm doing a bit better health wise now, but have to remain self employed due to the hours I am able to work. I did 16k of profit last year, and have since acquired another business and am forecasting 22k this year. I have about 20k…
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Deposit on property or equity investments
Hi All I'm wondering if there's any conventional wisdom, or better yet evidence backed reasoning that applies to my situation. I can provide more detailed information if required to get the best answer but I'll try to keep it simple for now. I'm currently renting chiefly because I haven't been able to afford a deposit. I'm…
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Halifax one year fixed isa interest rate
Hi Can anyone tell me what the interest rate is for monthly paid interest on the 1 year fixed online ISA. It pays 1.6% on yearly paid interest Thanks
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Old Share Certficate - Advice please
Hi I would welcome any advice please. I have a share certificate form a company called Totalise Plc which was issued in 2000. They were one of a number of internet providers who tried to encourage new customers by offering free shares. I forgot all about it until recently and then found a certificate for 210 shares. I…
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Portfolio analysis
Hi, I track my pension investment fund choices through the Trustnet (free) tools. This gives me the basics of risk analysis and regional profiling. Please can anyone recommend something similar that drills down deeper into the funds/holdings? I suspect it is very easy to think my choices are well diversified, when in fact…
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What would you do please
Hi I wonder if I can pick your brains please. We are now debt and mortage free :) To get to this point we were really careful with what we spent now we seem to be spending more than we should old habits and all that :o So need a savings plan. We have 3 Santander 123 acounts.1 each and 1 joint. one which is full with £20k…
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Is it worth investing in gold?
Hello everyone, I have posted on here a few times about where to save my money (and to get a decent return) but I'm still none-the-wiser about what to invest it in. I was chatting to a friend and they suggested investing in gold. Is this a worthy place to stick my money? Now, bear in mind that I only have less than £5k to…
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New Saver in need of a plan
Hi, I have been in debt for a few years but for the past 18 months have been doing everything to pay it off. We're on decent salaries so have been able to pay off £2300 per month so far this year and we'll finally be debt free at the end of this month. I'm looking into the best way to start saving £2300 per month and…
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Where to save £100k for 6-12 months?
I am looking for a good place to put £100k that I have inherited. It's only for 6-12 months as I am planning to buy a house then. I don't have a mortgage and I have already £20k in Santander 1-2-3 (they only pay interest on 20k). So any suggestions on where to save that amount of money for such a short period of time?
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Sensible investment of £200k for 5 years
Edit: the title should read 4 years! I have recently come into a windfall of around £180k. Combined with other savings I have around £215k in assets - mainly cash, with a few stock funds. My intention is to buy a house in 4 years time when I move back to the city I plan to permanently settle in - I will be renting in a…
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Tax on Savings Interest + Income
What happens if your pension income is say £8000, and the interest from your savings is say, either (a) £6000, or (b) £9000 ? In case (a), does it matter that the total savings interest is greater than £5000, if the total of income+ savings is less than £15600 (ie in this case £14000).
