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Santander considering dropping rate...
......According to this.... http://blog.moneysavingexpert.com/2016/07/27/if-santander-123-drops-interest-to-2-is-it-still-worth-it/?_ga=1.98298143.1405295780.1469690938 :(
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Vanguard Life strategy post brexit
I am completely bought into passive investing and have a chunk of money in Vanguard Lifestrategy. I have just come in to some money and would like to invest more ~£100k. The problem is that after brexit the price is up significantly which I can only assume is due to the conversion into the poor pound. It feels wrong buying…
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Short-term investment
HI there, first time poster here so I hope I've put this in the right place! I am basically looking for some advice about where is best to put some spare cash I have for a short-term investment (6months-ish) I have around £1000 lump sum, and then £300-£400 a month that I can put into savings, but am planning on purchasing…
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Where to put my money?
Dear all, To date I have the following amount saved in these accounts: £20k in Santander (1-2-3) £2k in TSB (3%) 2 x £3k in Tesco accounts (3%) £2800 in Halifax HTB (4%) £6000 in premium bonds £1200 to probably put back into premium bonds. I used to have a Nationwide account paying 5% on £2.5k, however, this was closed the…
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Minimising Hargreaves Lansdown exit fees
Hi all, I'm simplifying my fund holdings and considering moving my HL ISA. I've got no reason to fault them or their service, the platform is great and it's only that Charles Stanley Direct do the same for a 0.20% less than Hargreaves Lansdown. There are transfer fees and closure fees but I'm happy to sell all of the…
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£25 per month to invest - 10 years - thoughts?
Hi guys. Need a sounding board on what you would choose to do if you're in a situation where you can afford to pay £25 per month for 10 years - where's the best way to go with this? The £25 is disposable income and i can afford to commit to this. Bit of background - mid 40s, already contributing to a pension, I could (if i…
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Transfer money from ISA to Zopa
Hello, I currently have a fixed rate ISA with Virgin Money due to mature in 2017. I would like to move half of the money from here to a Zopa loans account. Currently im confused by what penalties I will incur. There is advise not to withdraw money and then put it back in an ISA , should always transfer, but Zopa is not an…
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HMRC and Premium Bonds
Can HMRC make a claim on my Premium Bonds to settle a tax debt?
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which accounts and banks for 75K ?
Hello, I find it difficult to understand UK banking system. all what i need is to have possibly best interest rate. it can be monthly or 6 monthly. but no more than 6 months. I will not add monthly money to the account. because i am unemployed. just 75k itself. what should i do ? please explain to me, like you explain to a…
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I need to rebalance my assets, but into what?
Hi, sorry for the long post I came into some money a couple of years ago, and have invested in a way that suited me. It may not have been the best, but i haven't lost anything, and I was able to get my hands on money if I had needed. I now need to think longer term, and I'm very aware that I'm not very well balanced. So…
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P2P: Saving Stream (AKA SavingStream)
This is a discussion for things specific to the Lendy peer to peer lending platform, formerly called Saving Stream, to make it easier to find those as distinct from more general P2P discussions. Lendy typically does the ubiquitous property development loans seen in the P2P world at the moment. Interest rates were typically…
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P2P: MoneyThing
This is a discussion for things specific to the MoneyThing peer to peer lending platform, to make it easier to find those as distinct from more general P2P discussions. More discussion is available at the P2P Independent Forum MoneyThing section. MoneyThing does a range of lending types that often avoid the ubiquitous…
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P2P: Bondora
This is a discussion for things specific to the Bondora peer to peer lending platform, to make it easier to find those as distinct from more general P2P discussions. More discussion is available at the P2P Independent Forum Bondora section. Bondora does primarily unsecured consumer lending in Euros from a base in Estonia…
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P2P: Ablrate
This is a discussion for things specific to the Ablrate peer to peer lending platform, to make it easier to find those as distinct from more general P2P discussions. More discussion is available at the P2P Independent Forum Ablrate section. Ablrate does a range of lending types that typically avoid the ubiquitous property…
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Aviva Global Balanced Income fund to close
I have just been informed that the Aviva Global Balanced Income Fund is to be wound up on 16 August. Options are to sell now (in next three days) or wait for wind up and receive cash upon wind up. Anyone have any thoughts as to best option ? Ted
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Interest earned from Current accounts
Yesterday and today I got my last month interest from BOS, nationwide and TSB just under £30 and I’m very happy about it. Next month I’m hoping for more as I started saving in Tesco bank too. Thank you who have helped me :)
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Emergency funds / Savings / Monthly income & living
Hi All, Just after a bit of advice with regards to savings, outgoings etc. For the first time in my adult life we have a bit of cash that were spending on house improvements but also keeping aside for emergency's etc. So, we are a family of 5 and in February I got a new job which in turn got me a £15,000 pay rise. My…
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Investment ideas for my daughters nest egg.
I have been saving for my daughter in an ISA in my name invested in the Scottish Mortgage Trust PLC. She is now 15 and its time to start saving for my son. I have 14k in a stocks and shares ISA.. could I have some suggestions about what to do? I plan on this money being used by her for either the deposit toward a house in…
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Halifax Kids Regular Saver...Can I re-apply
Hi I opened this account for my boy when he was born and the interest was at 6%...he is now nearly 3, am I able to apply for this account again for him or is there a limit that would prevent me. I couldn't find the answer to this is on their website. Thanks in advance!
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Question on Investing
Hi Before I ask this question I want to say I know absolutely nothing about shares at the moment and that I take default options ie don't actually pick the shares so sorry if this is a very basic or silly question. How do you know if the company who is investing your money is doing a good job? How do you compare how well…
