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changing current account and keeping regular saver
Hi, I'd like to change bank for my current account (from hsbc to first direct). However I have a regular saver at hsbc that I'd like to keep until the end of the financial year. I wonder wether transferring my current account to another bank will close my regular saver or wether I can have my regular saver at hsbc with no…
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Silly question about interest...
Hi everyone, I have a silly question which - when it occurred to me - I was surprised I didnt know the answer: If I were to save in a fixed term savings account at 4% - does this mean that I will earn 4% PER YEAR? So if I saved £1k into a 5 year fixed account at 4% I would get £1200 back? Or would I just get £1040? See - I…
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Old Premium Bonds
Some 50 years ago, when a pound was not an insignificant sum, my son-in-law was given two premium bonds as birthday presents. As he has never checked them, he decided to do so the other day. He telephoned the Premium Bond centre, to make enquiries, and was told that because he doesn't know his holder's number the bonds…
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Where
Hi, I am looking to put away at least £150 per month but not sure where to put it. Currently putting money into the Bank of Scotland monthly saver at 2.00% as well as money to Scottish Friendly. Thanks
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Stock picking
How do you pick individual stocks to invest in? Do you have an edge over the 'professionals' who have resources and access to information an individual can just not match. Any resource you do have or information you base your decisions on has already been built in to the share price. So how do you do it? Cheers fj
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Advice needed for Student investing
Hi all, I'm a sponsored student bringing in £975 pm with no loans or anything. After being a frequent user of these forums and an avid reader of Monevator etc I am going to start Passive investing. I have a considerable amount saved up already as a nest egg which I do not want to touch. I am wanting to start with £250…
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Investment Noob - Cavendish/Fund Questions
I've been reading Investopedia & looking at some of the funds on Cavendish & have built up some questions I was hoping some on here may have answers/insights about. 1) A lot/all the funds have a monthly £50 minimum...what if you don't pay it? Or is it just saying you can't ever put in less than £50 in one transaction? 2)…
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Drip feed invest advice please
I have done my own ISA and SiPP investing for many years and have a balanced portfolio I am happy with for my circumstances coming up to retirement. But I have a nice problem I have not had before. I have received a lump sum of cash which is worth about 20% of the total value of my investments. This cash is likely to be…
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Biggest Investing Mistakes
There is lots of advice on the forum about the most profitable ways to invest, best investment strategies etc. so I thought it would be educational and help others avoid falling into the same trap to ask the question.... What has been your biggest investment mistake or worst investment strategy?
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But to let cars
I wasn't really sure where to post this question. Has anyone seen this? I keep receiving invitations to buy to let cars and I'm not sure if it's a good idea. Invest around £14,000 and get £250 a month return. Sounds too good to be true and therefore probably is. Does anyone have any experience of this?
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Best Joint Savings Account?
Hi Everyone, Myself and my fiancee both moved to the UK from Ireland / Canada respectivly we are currently in the process of building a UK credit history while saving to buy a home and towards our wedding next July, we have just recently both set up Help to Buy Cash Isa with Halifax and loaded each with 1000 plus set up…
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Withdrawing Premium Bonds.. Options
Afternoon, After having Premium Bonds for a number of years, the first few which I was lucky enough to win more than what I would have done in interest, my luck has run out over the past couple of years. I'm currently saving towards a deposit, but want to re-invest wisely to maximise my savings. I was going to invest in…
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children accounts
can somebody help most young savers is a max of £1200 as granddaughter is only 6 years old and has reached this limit can i go into an isa or a young saver with a higher limit without losing any interest or do i have to start again and just bank her money in an account
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How do your 12 month generation figures from PV compare to estimated?
Hello everyone the post below was from 2012 and is now closed https://forums.moneysavingexpert.com/discussion/3830487 3 years later, I am wondering what people think of their PV investments. Some of the guys out there surely have at least 5 years experience. Maybe some of you have also sold their house. Were the PV seen as…
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Tax free dividend allowance 2016
Just wondered if the £5k tax free allowance on dividends was going to change people's investment plans. It would certainly help with unwrapped investments within income focuses portfolios and still being moderately cash heavy is something I'll be looking to utilise going forward.
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Re- Invest my cash isa into Prudential Investment Plan
My financial adviser has suggested that my wife and I cash in our cash isa's and invest in a Prudential Investment Plan .Would this be a wise move as we are both now retired and do not want to put our money at any risk(although the returns for income would be higher than the isa's)
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Stocks and shares isas down in 2015
Just checked my valuation of my stocks and shares isa for 2015 and part of it which was invested in a lump sum unfortunately in April is down by 4.09% and the regular monthly saver part invested in since January is down by 1.89%. It does not really matter too much and I am not that concerned as I do not intend cashing any…
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icici bank
hi all, has anyone experience of icici banking? looking to move some money, as Santander is cutting rates next year. any thoughts would be helpful. cheers rodders:)
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Dirty-clean Migration Accounting
Does anyone have a good way of recording the migration of holdings from dirty to clean funds in MS Money (and similar progs I guess)? - A sell/buy or remove/add holdings loses the fund history and CGT liability - Renaming, and changing the code. of the fund to the new one, while doing a 'fund split' to get the correct…
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Tesco 3% current account
Hi, for those who are un-aware, telco have a current account that pays 3% interest on balance's up to £3000. Does this mean if I have £3000.01 in the bank I get no interest, or that I only get interest on £3000 no matter how much I have in the bank? I have applied, been accepted and received my card, all that is left is to…
