-
H&L Profit/Loss Calculation
I have an account and a small portfolio of funds with H&L and not very happy with the way that the account information (Gain/Loss) is expressed. As an example: I spend £1,000 on a fund and then an Equalisation payment is made of £20 and the cost of the fund is then expressed as £980. If the current value of the fund, is…
-
Savings Accounts w/ "Pots"
Hi, Simple question... does anyone know of an account or service whereby i can open many small sub-accounts within it perhaps? Or ring-fence money in some other way, perhaps with labels or something... Just got a couple of small-ish thing i want to save for over the next few months £500 - £1000 a pop.. Other suggestions…
-
First time shares investor - advice please
I am due to meet with a financial advisor, so will get professional advice on this, but it would be good to hear some of your opinions so I have a bit more of an idea when I have my meeting. I want to make an initial investment a couple of grand in a specific fund based in the UK and a specific stock listed on the Nasdaq.…
-
Advice for investment newbie?
Hi there, I’m an investment newbie and, after a fair amount of research into P2P platforms last year, I decided Saving Stream seemed like a safe enough bet given how high the returns are. However, since then I’ve been warned that sites like SS have cropped over the years and gone under because of their high risk portfolio.…
-
'A penny a day' saving game 2016
Please delete/ignore if this is something already on going on this forum. Simple Day 1 = 1p Day 2 = 2p Day 5 = 5p Day 100 = £1.00 Day 130 = £1.30 Day 245 = £2.45 Day 365 = £3.65 etc, etc - pot builds quickly! Would get you to £671.61 in 2016 - nice little extra for Xmas 2016!
-
Best savings for childern ?
Hi folks, and happy new year too. Our child is now 16, we had a halifax kids savings account, which has now expired due to reaching the age of 16. We are looking for some advice/guidance on what is best to do with the £££ it is a substantial amount. Any help/advice, appreciated.
-
Tesco Direct Debits 1st to 4th Jan 16
Just checked my Tesco accounts as Direct Debits should have gone out today, but they haven't. Checking online shows that the next date for the DD to be taken is 4th Feb? Have rung them and been told that because today is a bank holiday in Scotland that is the reason. I pointed out that just because it's a bank holiday, I…
-
Transfer Isa
Hi Is it possible to transfer only part of a current Isa and have the excess paid into a normal current account,also does transferring use up part of this years allowance. Thanks in advance :)
-
Tesco Internet Saver
I would like to open two Tesco Internet Saver accounts, as it allows a direct debit to be setup on a current account. The direct debit will be setup on the current account, where it would send money to the Internet Saver on a monthly/quarterly/yearly basis. It will fulfill the criteria of earning interest on a current…
-
Understanding the new Personal Savings Allowance
Hi, I have around £120K in cash savings. Std rate taxpayer. £50K premium bonds, £50K (roughly) cash ISA. Remainder in Santander 123 + various other current accounts. I'm wondering if the £1000 personal savings allowance takes into account interest earned on my tax free savings (of £100K)? If I averaged 1.5% on everything,…
-
Fundsmith Emerging Equities Trust
I was thinking of investing in the Fundsmith Emerging Equities Trust (FEET) and wondered what people's views of this trust is? I currently invest in the Aberdeen Emerging Market Equity unit trust and was thinking of moving money into FEET. The Aberdeen fund's performance has been lack lustre over the last 2 years, although…
-
BG Group Shares and Shell take over
I have owned 156 BG Group Shares since my parents passed away and I have never bothered about them until a large envelope arrived last week explaining about a take over by shell. My shares as they stand are worth £9 something which gives me a return of around £1500 if I sold them at todays price. The leaflets and booklets…
-
Effect of opening multiple accounts...
After some excellent advice by people on this forum (https://forums.moneysavingexpert.com/discussion/5378998) I am about to put money into a variety of accounts. Couple of questions... * What effect will this have on credit ratings and the like if I was looking at mortgages and the like? * Any good links for best rates…
-
ISA's - Is tax payable after death?
Does anyone know if tax is payable on an ISA after the account holder dies? If it is what are the rules in relation to this? In particular; 1. Is tax payable from the date the person dies? 2. Will HMRC take into account the length of time that an executor needs to obtain probate to get hold of the estate monies before…
-
Are cash Isla's worth it now
If you don't have mega money to save is it worth investing in a cash isa if you dont expect to trip the £1000 tax free limit on interest ?
-
15 Year Old Looking To Start Trading
Hi there, I have always had a fantasy of trading stocks and thought that now might be a good time to start, I have around £500 free at the minute but ideally only want to let around £1-200 go to start with. Is this enough capital to start trading with? Are there any specific online brokers that re best for small trades…
-
Buying 25k car outright or use HP and leave cash in investments
Hi all, This may be a very silly question but numbers are not my strong point and i just wanted to get an idea from you guys before asking my financial advisor who will hit me over the head with a stupid question. (not really but its all just a thought at this stage) I have around 400k invested 50/50 between Henderson…
-
Nationwide save to buy issue 3- are they standing by the cash back promise?
Me and my husband have been very loyal to nationwide by putting money away each month in to our save to buy account with pitiful interest return. Didn't mind this so much as if we take a mortgage out with then by having over 10000 in the account we'd be given 1000 cash back. However now our account t has automatically been…
-
Please critique my portfolio
Hi all, Just started viewing this forum and was hoping some of the experts might help critique my portfolio and suggest some changes: 1) Diageo - Bought 50 shares at around £19, current price around £18.50 2) Fundsmith - Bought 500 shares at £2 each, current price £2.30 3) HSBC Tracker - 375 bought at £4 each, current…
-
Regular saver bank glitch - will the bank pay me?
Hi two months ago I opened a regular saver with a bank and when I got to the completion page it said they was an error. I tried again and this time it worked successfully. A few days later I checked my online banking and found that there were two regular saver accounts each with a different account number and both had…
