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Taking money out of ISA for current account?
I opened a new Nationwide Flex Regular Saver (5%) late last year and so far I have transferred £500/month from an expired Nationwide Flex Regular Saver (something like 0.75%). The old saver account is now empty and I am thinking of transferring £500/month from a Nationwide Instant ISA Saver (also 0.75%) to the Flex Regular…
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ETF Comparison
I am trying to figure out the differences between the two funds listed below. The HSBC fund is cheaper but the other has performed better recently - I presume it is something to do with currency hedging?? but looking at the two I cant seem to see a confirmation of this - the underlying investments seem very similar. HSBC…
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why are you into investments?
my answers: - it keeps me busy! - i like the idea of my money working while i am sleeping or chilling - pays for my cost of living - aiming for FIRE - i learn more about the economics and how companies list their shares - i meet new friends online! what bad influence has investments had on me? i think too much of FIRE that…
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IG now will be charging for inactive platform
I am a total newbie at posting and S&S, so apologies! I purchased 5000 shares in Carnival, as I cruise a lot and shareholders are given free on board credit. I chose IG as it did not have ongoing charges. They are now intending to charge £25 per quarter for inactive accounts! I do not want to deal, just want to keep these…
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Investing during Brexit
Hello Looking for people's opinions on the following: The UK economy looks uncertain with Brexit, and London property prices drooping. I am currently planning and forming two stocks/bonds portfolios. One will be for income (58% UK shares/bonds) and the will be for growth (20% UK shares/bonds). Both portfolios will be…
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Investment Bond (Tax)
As I've posted in here before I'm trying to live an income tax-free existence (as approved and encouraged by the Exchequer and HMRC). It occurs to me that I have a sum of money in an Investment Bond attracting 20% tax at source. I was intending to gradually transfer this by means of £20k lump-sums, exploiting my ISA's…
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Long Term Child Savings
I'm looking to open a savings account for my 2 year old son, the idea is he will get the money when he is financially competent, so around age 18-50 I want to open it with a mimimal deposit and then drip feed money into it, plus ad hoc payments such as birthday moeny, so ideally it should allow deposits whenever for…
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Post Office Online Saver
Can you have two of these each linked to a different current account? Thanks.
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Ratesetter £100 Welcome bonus Payment
My £100 is due but for several days my account has just said: RateSetter Welcome Bonus £100 Just keep at least £1,000 in your account for 0 more days. I have emailed them on Sunday but have had no response. Any idea how long after becoming eligible it is usually paid? Thanks
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ISIN references
I requested that a particular fund be purchased and quoted the ISIN number to be sure they got it right. I've had confirmation, the name of the fund is the same to the letter as I requested but the ISIN number they quote is totally different. Why?
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Help to buy isa
I have a question where I cannot find the answer anywhere! I opened a help to buy isa 2 years ago and unfortunately 3 months ago I had to withdraw all the money from the account for something else. Am I able to close it and reopen one to deposit the initial 1200 or would i have to keep the one I have and just start from…
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Steel Building Cost Estimator
Hello Money Saving Experts, I am new to forum and want your opinion on investing in carport. I have a free space of more than 1500 Sq. feet so I was thinking to create a carport over it to gain the property value.I used a steel building cost estimator tool offered by Carport Central to estimate the exact amount to be spent…
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Buy bit coins???
So we may have a large pot of money for just a few months or maybe a couple of years when we sell our French house and put our UK house on the market. A friend who seems to know what he is doing says we should buy £50k in bit coins. This is about 1/3 of the money. What would you do in our place?
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Legal entity identifiers
Is there an alternative to the need for a legal entity identitifier. I have a small will trust, a five figure sum, with four unit trusts and have no immediate intention of selling any. The fee to register is £117 ? And then £70 per year to maintain. These fees maybe acceptable for wealthy trusts, but extremely expensive…
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Using a high interest bank account for savings
Hi I am in a position where I currently have circa £2.5k "spare" with no debt other than mortgage, potentially increasing over the next year and am debating where to keep it to generate the most interest. I have had a look and most savings accounts pay paltry rates of interest, but there are bank accounts paying a higher…
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How to get an instant return on Premium Bonds
Use your Tesco Current Account Debit Card! "collect 1 point per £8 spent in each debit card purchase transaction (£8 minimum) outside Tesco." I purchased £1500 of premium bonds a few days ago as a place to hold the Tax I have been setting aside for my self assessment. Today I checked my clubcard account and indeed I have…
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M&S Shareholder vouchers 2018
Have any M&S shareholders out there received their annual vouchers this year? I've not seen anything yet and thought they would have been sent out by now. Regards, L
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Cineworld share value what happened?
My partner has some Cineworld shares which have recently had a significant drop in value. They've issued letters giving some options to buy at a reduced price 4 shares for every 1. My first question is what happened to the share price? I get that it will go up and down depending on many factors but it seem to roughly half…
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Planning for early retirment
Hi We are currently looking to retire somewhere tropical and warm in 10 years time; when we are 55. Jobs are quite stressful and intense. I have a LGPS pension which will have roughly 22 years in 2028 and my partner a teachers pension which will have roughly 28 years in 2028. We have brought the mortgage down to 10 years…
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help to buy and wealth simple
Hoping someone can help answer a simple question for me. I am currently paying in to HTB ISA and have been doing for around 2 years and will continue for another 12 months Additionally I'd like to open a wealth simple ISA which is an investment ISA. my question is this: Can I pay into both ISA's in the same tax year? I.e.…
