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Cash ISA confusion
Hi there – I’ve got a question about cash ISAs. A bit of background:* I have a Santander Instant Saver Account (I don’t even know if this is an ISA if I’m honest) that I’ve had since I was a kid. I pay into this every month. * I have a Halifax Help to Buy ISA which I opened in FY 15/16 which I pay into every month * I have…
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Help to Buy ISA vs Lifetime ISA
Hi, I have watched Martins ITV shows and receive weekly emails from your site which are fantastic and I thank you for your advice on all financial matters. However, I cannot seem to find the answers on your website or in the programmes and feedback from other financial on what I should do with the introduction of the new…
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Do I need a financial adviser
My mum recently passed away and as a result I will inherit a large (to me anyway) sum of money. She had a financial adviser to help her grow her money will I need one?
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Savings account cash withdrawal card
Looking for a savings account that can be accessed by card rather than online. Tried a search, but I was not able to find the appropriate search questions. Must be my age! Probably an answer here somewhere already.
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Saving for foreign grandchild
We would like to put aside some money every month for my 3-year-old granddaughter so that when she turns 18 she has a decent sum to start life with. However she lives in Germany and is a German citizen so we can't open a child's ISA for her here. Up to now we've been putting the money into an ISA in my name (grandma) but…
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Rounding errors in account statements
I am busy reconciling all my accounts and calculating the interest paid to me so that I can notify the HMRC but am having real problems with one of them (and this only applies to this one out of over 20). The values used internally by the P2P company appear to be to many decimal places below the normal 1p point, however…
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Where to Invest?
Hi. I need some advice please. I have no savings at present and don't own any property; I currently rent. From May onwards I will be in a position to invest £1000 per month for the foreseeable future. I am 56 years old and will probably work for another 10 years or so. I have been considering every imaginable type of…
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Fidelity Index World vs VLS100
So I'm on the verge of the transferring my previous years cash ISAs (circa 40k) into my S&S ISA. Currently I have a small amount amount in VLS80 but I've decided I would prefer to go down the 100% equities route - I'm in it for the very long term, and I dont need to touch the £40k at all. So the 2 I'm considering are the…
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H2B ISA - Additional Savings
Hi, I've been saving £200/mth into a H2B ISA for one year now. Recently, I've started saving £500 a month extra into an extra saving account linked to my current account. The interest on this is 0.02%. Can anyone recommend what/how I should be saving this extra £500 that I am currently unable to put in my H2B ISA. I…
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Over 40, can I trasnfer my help to buy ISA to a lifetime ISA
I see that the goverment has restricted opening a new Lifetimpe ISA to the under 40's. But I already have a Help-to buy Isa - opened before I was 40. Can I transfer my Help to Buy Isa into a Lifetime Isa even though I'm now 40? If I can't, will the goverment keep the scheme going?
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Best way for son to save - which ISA?
Hi all Without reading through the forum (which I suspect holds my answer!) - my son has just started a job and he wants to start saving for a deposit for a flat (a long way off at the moment!). He is 19, 20 in August and his salary is not massive. I wondered what ISA would be good for him, etc - I'm not very savvy about…
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S&S ISA fund for long term
Im going to stop dithering and open a S&S ISA today. The money will be for my son in the future, he's only 2 so looking at investing for approximately 20 years. I *think* I've narrowed it down to the Lifestrategy Funds, either 80% or 100% (unless someone tells me I'd do better elsewhere?!) With my long timeframe in mind…
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Nationwide flexclusive regular saver interest payment
I've got this account and for last 12 months I've paid in the required £500. On my online banking it says the interest would be paid on 5th April. Nothing is showing or has been added, the interest is no where to be seen! Has anyone else had this issue? Is it something I need to call them about
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Recovery Fund How to Invest
Hello folks. How would someone invest in something like R&M UK Equity Long Term Recovery fund? I've had S&S ISAs before, using XO and Nutmeg. Could I invest using XO in this fund, within a S&S ISA? Or do you invest directly with R&M? Only picked individual stock before or used that picked by the broker. Many thanks
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International fund platform
Hi, Im looking for a suitable fund platform where I can invest in Euro currency. I tried Keytrade bank in Belgium but had my application declined and no reason given. TD investing is another one I looked at but the maintenance fees are excessive if I were not an active trader. I prefer just to invest in a fund and hold for…
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£10,000 ISA, H2B ISA and virtually no interest. Travellng soon, please HELP!
Hi, I'm in need of some real help on where to put my money. I currently have a Santander H2B ISA with £3,400 as at the time it had the best interest- if anyone knows any different please let me know. I also have an ISA with Natwest which has a little over £10,000 in and a savings account with First Direct with about…
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IFA gone AWOL. Help!
Longtime lurker but really need advice please, especially from IFAs. My grandmother died last week. I am Executor, together with my sister and my grandmothers solicitor All her investments and assets were handled by an IFA who seems to have gone AWOL. He's part of a regulated firm but despite me and the solicitors firm who…
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Query about First Direct Regular Saver maturity process
My FD Regular Saver was due to mature yesterday, 4 April. Sure enough, interest of £116.33 was showing online as a credit yesterday morning. I transferred out the whole balance (£3,716.33) yesterday morning, leaving a nil balance on the RS. I then opened a new RS online. At the end of the short procedure, it said that my…
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7.25% for 2 years??
Hi all, can it be true, Amicus Single Investment Plan is offering 7.25%for a 2year investment. It seems a better investment than a ISA. What are your thoughts please.
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Stafford Railway BS - Data Breach
Third party viewed personal info and no real idea given as to the total number of members affected. I have received a letter advising that my details have been viewed so I assume downloaded somewhere. Any one else affected? Free 12 membership offered to Experian ProtectMYID. https://srbs.co.uk/information-for-memb ...…
