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HSBC Invest Direct
I currently have the following: 1) HSBC Invest Direct account (not wrapped in ISA) 2) Charles Stanley Stocks and Shares ISA (wrapped in ISA) HSBC Invest Direct wrote to me this year and said they are going to start charging a holding fee of £10.50 from January. I have sold the shares I have at the moment except for the…
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Halifax Help To Buy ISA - 4%
Official MSE Insert: You may also find our fully researched Help to buy ISA guide helpful. Back to the original post... Saw ads for this on TV, does anyone know if I can open one of these if i'm not a FTB.
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Spreadsheets for keeping track
Hi all, I've started investing with HL today. I'm only going to be doing small amount for now, started with £100 then going to be adding £50pm for a few months then going to add another £50pm and so on. I'm wondering if anyone had any spreadsheets and other documents/resources that may come in handy for keeping track of my…
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Stock market/sector investing product - advice needed
Hi, I have been studying the stock markets for some time, and have come up with a computerised system that can be used to time entries and exits in major markets and sectors. While not perfect, I have used it to avoid the 2008 crash completely and make +15%. Buy/hold lost 40% during this period - and more in foreign…
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saving to move
hi as we head in to 2016 one of our goals is to save a deposit to move house, looking to save 2k amonth any tips on what type of account I should be looking for many thanks
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Different saving pots
Hello, I'd really welcome some advice. At present I have savings with intelligent finance. I have 7 small pots with various titles such as hols and Christmas, car maintenance etc. I really like being able to view on line and move money about (I work in Europe a lot). However the interest rate is dire. I have about 7k…
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Choosing between different index tracker funds
Hi all, Just a quick question. While I am doing some research for my investments portfolio and I am looking into different index tracker funds how can I decide if fund A is better/worse than fund B? What important pieces of information do I need to be looking out for? Thank you.
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investments
I've about about £70000 in a nationwide isa, I've already paid up my cash isa allowance for this year,i've had a chat with a financial advisor and he has advised me, (baring in mind I'm very cautious minded) to transfer it all, and that a good fund to invest in would be the PruFund Cautious Fund, he says it is currently…
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What to invest in?
Right, i need a bit of advise. I now have a steady job and want to use a proportion of my wages to save and invest. I am looking to save £400 a month in straight cash and invest £400. I am looking to for an investment of about 5-10 years but am put off on investing where i have to spend time 'managing' my stocks. What…
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Help and advice re savings
I'm.now in a position where the savings are finally starting to build back.uo I currently have 200 in a natwest cash isa at a pitiful interest rates 0.25 and then I have 2200 in an instant savers which has an equally shocking interest Rate this should go up to at least 3700 possibly 4700 by end of January due to insurance…
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Problems with POA
I'm having real trouble investing £20k for my father as his POA. The post office have shown me a cold shoulder and returned my cheque. I tried another route but that too fell by the wayside. Can anyone tell me who would be interested in this investment given that my father is 95 next week?
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Regular Saver - after 12 months
Most banks regular savers will convert to an instant access savings account after 12 months. The sort code account number will remain the same. My situation is as follows regarding regular savers accounts: I have one regular saver that ran from 2013-2014. On the anniversary, the account changed into an instant access…
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most tax efficient saving (I'm 52)
I've got a private pension and I'm 52 and self employed. Would putting as much as I could into the pension (with Zurich) be the most tax efficient way to save? I know I can't touch it for 2 1/2 years. Is the difference between an isa and putting it under the mattress marginal? This might be blindingly obvious but this…
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Regular savers
How many regular savers do you have?
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S&S ISA and death
I've just started a S&S ISA and have no will...would the S&S ISA be found by the government (since I had to state my NI number) if I were to get in a car crash or something and next of kin given access via them?
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Cash ISA allowance ?
Hi I currently have a 2 year cash ISA with Nationwide (Opened March this year, 2015) amount 15000.00 My question is as it was opened prior to the start of this current financial year, can I open another for a similar amount BEFORE April 2016 or do I have to wait until after? TIA Dave (Faymoore)
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Interest from next year
Hi everyone, I was hoping someone on this forum could clarify something for me relating to interest changes next April. "From April 2016 banks and building societies will stop automatically taking 20% in income tax from the interest earned on your non-ISA savings". To date I have: £20k in Satander £2k in TSB £2.5k in…
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Is there a limit to the number of Current Accounts you should have?
Hi, OK so I have a decent amount of money that I want to maximise my savings on. I'm reluctant to put it into a savings account because the interest rates are rubbish in comparison to the current account rates currently being offered. I already have a Santander 123, a TSB Plus account and a Halifax Reward Account. I am…
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Baby Daughter Savings- which one??
hi everyone - long time lurker...first time poster Im more of a mortgage lurker, getting helpful hints and tips there, not really a saver, as trying to pay off the mortgage, so am a bit stuck at what i should be looking for savings wise for my daughter. I know advice or recommendations cant be given, however a helpful jolt…
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Fixed Cash ISA - Tesco Bank
Hi, I'm thinking of opening up a new Fixed Cash ISA with Tesco Bank (no new money, just transfer) online. Do you know how they do their ID checks for an application done online? I'd assume Electronic Checks which should be more or less immediate, or within a day or two, but I'm not 100% sure. The information from their…
