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NS&I New Growth Bonds
Hi All, I just renewed my growth bond with the NS&I last month at a rate of 0.95% fixed for a year (Nov17-Nov 18) I see the rate has just increased to 1.50% fixed for a year. If i cash in early then i lose 90 days interest - I think im correct in saying that even if i cash in early and pay the penalty, I will be better off…
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What do do with regulart surplus monthly income
Hi MSE, I am 53 and have been in a stable position (given the current employment market) for some years now. I find I have a percentage of my monthly income available for future use but I am not sure what is the best option. I have 9 years left on my mortgage and I have a private pension & I am enrolled in the work place…
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Bank Account for Investment Trading
Good afternoon, I hope you're well. A friend and I have incorporated a business to start trading cryptocurrencies, however, getting a business account set up is proving difficult. I've just been into Santander and been informed that without FCA registration they, nor other high street banks, will allow us to have a…
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Help needed on ISA stock/share
I have never invested in Stock/share ISA before but now want to invest. I have already invested £10k in this year's cash ISA. So I believe I have further £10k allowance which I can invest in stock ISA (with another provider). Is that correct? I want to invest in Open Ended Investment Companies. I understand I have to do it…
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Book Recommendations
Hello all, I've just finished reading 'Rich Dad Poor Dad' by Robert Kiyosaki. It was an interesting read and would reccommend it. Relatively short book and keeps the reader's interest with tales of his childhood growing up. I'm looking for recommendations for other books which cover investing, passive income, how to start…
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gbp\usd affect on fund prices
If you believed that the pound would continue to strengthen against the dollar(1.22 in Oct16...now around 1.35) would there be any funds/sectors that would gain an advantage or any sectors/funds to steer clear of? John
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Newish to investing.
Though not adverse to risk...having been burnt a little spreadbetting a year ago.... I decided less risk was definately advised I noticed that my old mutual self select pension funds had been doing well...10% peryear since 1998 and 14%py over last 5 years and about20% over last year. So I decided to open a stocks and…
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Lloyds Bank -Underpaid Cash ISA interest 2011/12
Thought I'd mention this as I received a letter out of the blue from Lloyds Bank relating to an old '2 Year fixed cash ISA' I had with them back in 2010/12 (yes, over 5 years ago). This was transferred to another provider after maturity in 2012 and I thought nothing (foolhardy) about checking the interest that they should…
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Atom Bank App - advice please
Hi, Newbie here :j. Looking for a bit of advice regarding Atom Bank and its smart phone App. We are familiar with internet desktop banking , but have been late comers to smart phone use and do not really use the mobile much for surfing etc so are a bit concerned about using the Atom Bank App etc Also been looking but…
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Difference between Hargeaves Lansdown and Plus500
Hi All, I've been looking into both Plus500 and Hargreaves Lansdown to hopefully invest in some companies. I'm 99% set on Hargreaves Lansdown being the huge reputable organisation they are, but who are Plus500 and why do they seem to be able to do the same thing without charging £12 every time I want to invest / withdraw…
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Investing Myths - 1
Past performance is no guide to the future. To adapt the old chestnut, there are three great lies in life: the cheque is in the post; I’m from the government and I’m here to help you; and past performance is no guide to the future. A moment’s thought shows you how silly the last statement is. Were it true, we could abolish…
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Cavendish Online v HL
Would Cavendish Online be cheaper and better for me? I have 3 funds of approx £10K each, won't be looking for any more purchases but will prob. put £20K in an S&S ISA in 2018/19. Thanks.
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Bankers vs JPGI
I'm looking into investing this year's ISA allowance into a Global IT that attracts some income/yield as well as some growth. At the moment I am considering either Bankers or JP Morgan Growth & Income as these two IT's seem to fit my requirements, however, I'm struggling to decide which one to invest in or indeed maybe…
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TDDirect / iii website system errors
Just for info.... Trying to locate and read documents such as old contracts and corporate actions. Occasionally it works but mostly system seems to crash and i get "system error" response. Tried several browsers and computers. Ted
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Harriman House publishing - free e-books
Harriman House has a load of excellent publications on investing and finance and all for free. https://harriman-house.com/freebooks Worth a read is https://harriman-house.com/investmenttrustshandbook2018 Download the MOBI version and load it to your Kindle - you just email it. Simples.
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Repeated account opening
Hi. I have opened two Tesco current accounts this year, and within a month switched to another bank to earn the switching bonus. I was considering actually just opening one now and keeping it because the rate is pretty good, but slightly nervous about opening another one. Are there any limits to how many you can open in a…
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Best savings account
Hi, First time poster here! My boyfriend and I are saving for our first house, we currently have 10000 put away, i’ve noticed we are only gaining roughly 5-6pence per month interest on this and wondering if anyone has any guidance on where we can get the most for our savings? None of our relatives own their own homes so we…
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Woodford Predictions
https://www.ft.com/content/64bfef5c-d5d0-11e7-8c9a-d9c0a5c8d5c9 Has a point about Bitcoin for sure, but for all else, how can he know for sure..other than it is inevitable, some day!
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Standard Newbie Help
Hello! Sorry, this is going to be a very boring question.. I have c. £25k that I wish to invest. I have trawled through this website and others, as well as reading Tony Robbins "Unshakeable" but was hoping for some advice. I don't have an investment background at all. I'm in my mid-20's and I have a student loan (although…
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How to get 12%+ annual return
Here's another dismal Saturday afternoon thought for all you fantastic financial wizards out there. Create a fantasy portfolio that can return 12%+ annually - the simpler the better, and preferably with a low risk - low volatility strategy.
