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NS&I Investment Guaranteed Growth Bond - Incorrect information in MSE Briefing
You can keep adding to the account through the full three-year term until you hit the maximum £3,000. But the sooner you get your money in, the more time it has to earn interest. This is incorrect - additional deposits would be new bonds maturing 3 years from the date of the additional deposit. Could you check your facts…
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Investments and possibility of war
I do not know if I am being overly concerned when I read the media which seems to suggest we may be heading for war with Russia over the Syria issues. I do not have a great deal of savings, which is why I am concerned and asking the quesions below. What would happen with regards to S&S ISAs and cash ISAs if that scenario…
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Best place for savings
Is it me, or is saving at the moment more complicated than ever. I have a sum I want to save and somehow I've ended up with 4 current accounts and 3 regular savers since... - best interest seems to come from a current account, which is normally limited on max amount that can earn it - obviously you can't put lump sums into…
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How to best correct an imbalance between 2 partners pensions using savings/investment
I have posted this here as I suspect the answer lies in investments. My OH wants us to have an annual income in retirement of 35k. He is not on track to achieve this in his DB (NHS) scheme. His number is, I feel artificially high, because he is trying to provide for me in the event he predeceases me. As a non-taxpayer with…
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£20K ISA allowance - Invest Now?
It seems that a few platforms such as HL and Fidelity are advertising the merits of investing early in a S&S ISA. They provide statistics to back up the fact that you can receive far better returns by investing early rather than drip feeding although they go on to say past performance is never a guarantee for future…
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Tesco reopen applications for 3% interest current account
However, there's now a new condition: To earn 3% AER credit interest on balances up to £3,000 until 1 April 2019, you must now pay in at least £750 per statement month, and pay at least three direct debits each statement month (excluding direct debits to Tesco Bank savings accounts).
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Halifax share dealing 3 days to transfer.
I sold a relatively large amount of shares last week from my Halifax share dealing account. I find it totally unacceptable that they take 3 working days after settlement date to transfer funds to my bank. I can transfer electronically instantly between different bank accounts,how can't they?
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Stock Options
Hello, I am not sure if this is the right section, but it concerns stock options at a pre-IPO company. If you have stock options - does the value remain the same all way until the IPO? I am just unsure of what the numbers mean. So if you have £X amount of stock options from 2015 and the company has their IPO in 2018 - what…
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do you know you can buy gold bullion for £20 upwards from royal mint?
The gold is protected by the ministry of defence and held securely in the royal mint in wales. you can buy amounts from 20 uk pounds only and GET THIS it is VAT FREE as far as I can tell. Please check details and get appropriate advice before buying but gold is commonly used in times of upset when shares may be volatile.…
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NS&I Investment bond launched
I see NS&I investment bond, 3 year @ 2.2% is available for applications from today. Max investment £3000
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Ford launches savings accounts
Ford has entered the consumer savings market with the launch of a range of savings accounts, including ISAs. The rates, although towards the higher end, can be beaten. They are covered by FSCS. https://www.fordmoney.co.uk First Renault, now Ford, are we going to see any more car manufacturers offer savings accounts?
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Cheapest way to sell Royal Mail shares
My wife and I have 227 shares each in Royal Mail held in the RM Share Nominee Service managed by Equiniti. These are the first shares we've held since the 80s, so I'm not up to speed with our selling options. Simplest option looks to be selling them via the link from Equiniti Shareview which would cost £15 per holding. I…
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This years ISA mistake
My Fianc! has an ISA which she has had with the same provider for a number of years with very little in it. Recently we came into some money due to a bereavement and as we are saving for a wedding she put £15000 into it. Unfortunately it pays a paltry 0.05% interest and as there are better rates out there I thought I'd ask…
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Where to put my interest?
So I currently have a nationwide current account with the full £2500 at 5% interest and a Tesco one with the full £3000 at 3% interest. Addionally I have my everyday Barclays debit card and a help to buy isa. However I'm wanting to save a bit more each month, as well as the interest earned from both the nationwide and…
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Tesco Current Account
Sorry if this has already been asked, I couldn't see it if it has. As an existing Tesco bank customer (3% interest current account), am I affected by the change in there terms and conditions regarding meeting new criteria to get the interest or is this only for new customers? I'v had a look around and can't see anything…
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Selling NYSE shares
I hold some US shares that were allocated to me a few years ago when I worked for an American company. They have since gone way down, so I just 'forgot about' them, but I've notice that they've started to rise a little now. They are worth just under £2k so not a small amount. My question is, how do I go about selling them?…
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Paying of the Mortgage
Just recently had to give up work through ill health, have been thinking about paying of my mortgage with money currently in an ISA as the interest rates are so low. Any advice from anyone and is this really the best thing to do. I'm in a bit of a quandary as it wouldn't leave a lot of savings but it would save around £900…
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LISA Clock
I am looking to open a LISA to "get the clock started"! However, does anyone know if I open this today, and want to transfer it to a cash LISA when they become available (say June), does the "1 year clock" start again when I transfer this in June? All help greatly appreciated.
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Which EM fund?
I'd like to add an EM fund to my small portfolio. I've narrowed it down to either Fidelity Index Emerging Markets or Blackrock Emerging Markets Equity tracker although open to other suggestions. Price wise they are quite similar (0.23 vs 0.24) and performance wise since 2014 when Fidelity launched, the funds are also a…
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RBS - Instant Access ISA 2017/18
Has anybody else been looking at the Royal Bank of Scotland's Instant Access ISA for this new tax year, based on its high ranking in MSE's Top Cash ISAs 2017/18 "best buy" advice ? The information is misleading in my opinion - it appeared (to me at least) that the 1.05% interest rate would apply to £20,000 and any amount…
