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saving for child
Hi! Can you please help me with advice.... I would like to save some money for my 3-year old. I have £2000 for him, and I would like to save £50 a month till he is 18. the one thing is, I don't want him to immediately get all that money once he has his 18th birthday. I want to be able to decide if he gets it at 18 or 19 or…
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Nationwide Interest Rates
Just got an email from Nationwide to say they are putting up savings interest rates. :T They start by saying the Bank of England have put up the rate from 0.5 to% 0.75%. That's up 0.25% :j Then they go on to trumpet the fact their savings rate is going up from 0.5% to 0.6%. :( Is anyone else annoyed that banks are not…
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First Direct opening new account
I would like to open a First Direct current account as I will have a large amount of money that needs to go into another account as I don't want to keep everything on one account. On their website it says switch to First Direct by switching your current account. Is it still possible to open a current account if I don't…
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How many Regular Savings Accounts do you have?
Out of pure curiosity just wondering how many cash regular saver accounts MSE forum members have. Please vote in poll. Also curious if people spread account opening/closing dates evenly across the year or if they are all bunched at a particular time of year (e.g. beginning/end of tax year). Please comment if you wish.
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Selling shares bought at very different prices
Hi there I'm selling shares in a single company that were bought over the last 10 years, meaning the price per share has varied quite dramatically over the period. I'm now selling them as one job-lot. When it comes to calculating CGT on the sale, what price per share do i use to do the calculation? Thanks in advance for…
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Portfolio advice
Hi All I was hoping for some portfolio advice, it essentially boils down to passive vs active. Apologies for the long post below, but was hoping to give you all the information you need to give me advice. While I agree with the cost arguments for passive investment, some of my active funds have performed well making me a…
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Nationwide Smart 2 Save (withdrawal)
Firstly please forgive me if this is in the wrong category (go easy on this noob) My daughter has the above account setup for her as a gift when she was one years old. The couple that opened the account (god parents) remained as the account named with my daughter as the "behave of" Some further monies were deposited on…
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EXPIRED - Wahed Invest - £50 bonus (Eid gift) for £100 investment (potentially a £100 bonus)
NOW EXPIRED Would appreciate opinions on this but it seems good on the face of it. £50 bonus on a £100 investment within 7 weeks-ish. No minimum investment term if I'm not mistaken so can withdraw once you've been paid the bonus. Terms/offers are not clear - the main page states you can get up to £50 but the bonus terms…
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Over £85k Protection
Hi I'm currently with Virgin Money and want to invest further but it'll take me well over the protected £85k if the bank fails. It is in different accounts but I know it wont make any difference What would you do?
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Free budgeting app
Hi please can someone recommend a free budgeting app. I currently use a spreadhseet but struggle to recall my spending on the hoof. Having a handy app on my phone would help. thanks :j
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Budgeting spare income?
How do you decide what to do with your "spare" income? and how do you split it? And by "spare", I mean after paying mortgage payments, bills, a decent pension contribution, and general expenditure, and when you've already filled your emergency fund. I don't spend a lot or live a lavish lifestyle (old car, no kids, don't…
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NS&I Increase Rates
on some variable rate products from 1st October Income Bonds from 1.00% to 1.15% Direct Saver from 0.95% to 1.00% Investment Account from 0.70% to 0.80% https://nsandi-corporate.com/news-research/news/nsi-increases-interest-rates-and-issues-provisional-q1-2018-19-results#
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Building an investment portfolio
Hi all, I've been reading through the threads and thought it might be a good idea to get some of the more experienced investors opinions on mine. I've recently invested 40% of my portfolio into the NASDAQ 100 EQQQ ETF. I'm awating cash transfer of the other 60% at the moment and was thinking about investing it into Bailee…
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CTF Maturity
Doesn't time fly........ My daughter is 16 in November. We set up a CTF for her and her brother with F&C when we received the initial voucher and have paid £25.00 a month into each. I have invested both CTF's across the range of funds offered by F&C. Both CTF's are currently worth over £10000.00. Correct me if i am wrong…
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Parent saving money for me - is it wrong?
Hi all I am (actually was) USELESS at saving.. I'd put money aside and take it back out again.. so a couple of years ago I started to give my mum money to save away for me. At the time I thought it was better than a locked away savings account as should I need it in a hurry I could get at it with no penalties. I am now in…
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Divide my savings in £, $ and €? Is Revolut a good option?
I want to reduce the risk of having all my savings in £. Do you recommend to divide my savings in £, $ and €? I thought to do it quickly and essay making a transfer to my revolut account. Would you recommend it? I am not looking for an investment or a fix rate as I am not an expert on finacial markets , and I don't want to…
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Divide my savings in £, $ and E? Is Revolut a good option?
I want to reduce the risk of having all my savings in £. Do! you recommend to I want to reduce the risk of having all my savings in £. Do! you recommend to divide my savings in £, $ and €? I thought to do it quickly and essay making a transfer to my revolut account. Would you recommend it? I am not looking for an…
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Large blocks of Premium bonds?
Is there any evidence that holding large blocks of Premium bonds leads to increased wins or is it purely every single bond number has the same chance of winning?
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Do you have different savings accounts for various things? If so, what?
Personally I have my large savings which is perhaps for a big purchase in a long time to come, and then each week/month I split so much into there, a savings account for my car insurance, holiday money etc. I'm curious as to how others on this forum manage there money and savings? :)
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Findlay Park American USD vs GBP
Hi, I was looking at the performance of two different units of the Findlay Park American fund, namely those denomianted in USD and GBP. There is a stagerring difference in the performance, whereby the USD version is 74% over 3yr, whereas the GBP version is about 41% over the same period. What is the reason for that? Is it…
