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Confused about ETF currency
I am confused about ETF variants in local currency (GBP) compared to base currency (USD, EUR, etc.) By example, these popular choices: iShares Core S&P 500 : CSP1 (GBP) vs CSPX (USD) iShares Core EURO STOXX 50: CS51 (GBP) vs CS5X (EUR) The base currency options seem to edge out the GBP slightly but generally only beyond 3…
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95 grand to save?? Where??
Having just sold our house, we have 95 thousand to save until we decide to buy another house (staying with parents at the mo). This will not happen immediately, so in the meantime we want our money to be earning us some more! We would need to have access to it. Any suggestions please as we have no idea! Someone suggested…
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Scottish Friendly My UK Tracker Options (ISA)
Hi don't really understand this type of ISA. Has anyone any experience of Scottish Friendly and are there any hidden charges to beware of?
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benefits and savings
I'm on esa and pip and received a check for £12,000. If i put this money into a family members account can dwp find out?
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Which is my best option please?
I bank with Santander 123 and have recently become mortgage free. I'm 48 and want to invest the £600 I was paying into the best interest paying option. What are my options please?
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Halifax Kids Regular Saver - Maximum Initial Deposit?
My daughter (12) has an savings bond due to mature later this month of around £6000 and we are looking for a new investment. The Halifax Kids Regular Saver is offering 6% gross - Their website states that the account can be 'opened with just £10' and that you can then 'Pay in any amount between £10 to £100 each month by…
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Shells proposed purchase of BG
Received the documentation this morning which details the proposed offer of £3.83 paid in cash for each BG share you hold and 0.4454 Shell B Shares. There is an option to exchange the cash consideration for Shell B Shares,not sure what the best option is because I don't really need the cash at the moment and what's the…
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April 2016-Personal Tax Accounts (savings & divi allowances)
Not sure if this has already been discussed although ive seen chat about the 1k savings allowance and also the 5k divi allowance and it is clear that a lot of people are totally confused and ill prepared for what is coming our way in April 2016. I thought a common single discussion might help to pull it all together. In…
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First Direct £10 a month fee after 6 months..?
Hi All, My understanding of the First Direct bank account was that there was a £10 monthly fee but it was easily avoided. Although now I've looked at their website I'm confused! They say: "Is there a charge to bank with first direct? Banking with first direct usually costs £10 a month, but you will not be charged this fee…
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Mechanics of new £5000 dividend allowance.
Say you have no unwrapped investments so far but want to take advantage of the new dividend allowance next April, but do not need the dividends as income and want to reinvest them. Obviously an income fund (say investment trust) would greatly simplify the calculation of tax year dividends. But if you reinvest the dividends…
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Investment Bond "Top-slice" timing
Last year I asked a question about a Bond I have with L&G ("L&G 'With Profits' Investment Bond "Zombie" 15th Jun 15 at 12:39 PM"). I have a spin-off question from it, so I thought I'd start a new thread. Apologies if my choice is deemed incorrect (happy for it to be merged by mod's, if appropriate). ====== 5% Top-slice…
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Fixed rate ISA
Am I correct in saying ALL deposits to this account must be within 14 days of opening it? http://www.coventrybuildingsociety.co.uk/savings-accounts/cash-isa.aspx Fixed Rate ISA 33
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what other 5% accounts are there
Other than TSB Classic Plus 5% TSB Reg saver 5% Nationwide Flex Direct 5% what other current/savings accounts offer 5%???
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Some direction on investing please
Hello I'm a little clueless in terms of what to do. Basically I want to do something that will bring a fairly certain and sizeable return on investment. It would be medium to long term. The idea is that I do something that will either be something to give to our children/ help with our pension fund/ university etc -…
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'Acc' funds vs 'Inc funds with dividends reinvested'
Hi, I'm looking to choose between Acc and Inc for a fund-type, but note that I get the option to choose what happens with any dividends. I get that Acc avoids any temptation to spend, but I'm not sure what other advantages there might be, as with Inc I could always change the option for reinvesting dividends or not? I see…
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Where to put my money for decent interest!
Really hoping someone can advise. I've got some savings, which was a critical illness payout for my son, who had a ruptured brain aneurysm at the age of 9 (5 years ago.) The payout was 25K - of which there is about 23k left, as some has been used for expenses of 5 years of hospital visits/stays in London. I put 11k into a…
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Confused by Nationwide Regular Savers
I've had a regular saver for years that I'd use then drop to £1 until the next run of having the ability to add between £500 -£1000 to obtain the max rate available. Looking at the products on offer there seems to be a 5% one and also a 2% one both of which can only increase by £500 max per month if I understand correctly.…
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Warning - Virgin Money dropping interest rates without informing
Sorry I now realise the interest rates are unchanged. I read Net interest as the Gross interest. Apologies to all.
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New years investing resolution
Happy new year folks. I have made a new years resolution to start investing as it's something which I've been interested in for a while. The problem is I'm a bit overwhelmed with my research! I'm 28 years old and looking to invest over a long period of time say 20 years at least. At the moment I have a cash isa with my…
