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TSB saver
Announced today the rate in may will drop from 3% to 1.50% Also announce today, Premium bond "win rate" will drop due to a fall in pay outs. A bad day for investors!
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Kids have received a large gift. whats the best way to save it?
My kids have received £16000 from their grandparents, I dont know where to save it. The children are British but do not live in the UK, the grandparents do. The money does not need to be used for at least 4 years. What is the best way to save this? Would opening a joint acc with a grandparent be suitable? Any advise…
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Lindsell Train investment
HiI have recently received my first payout from my doomed Woodford funds and looking to invest on Lindsell Train on the HL platform.I've done a bit of research as I aim to diversify my investments (I have another investment pot) so I'm looking to invest a small sum and I'm confused by the Inc and Acc and then the A and D…
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TSB Interest rate drop
Just had a communication from TSB that the 3% on current accounts drops to 1.5% for balances up to 1.5K. This is with effect from 2nd May. Rates are getting smaller and smaller.
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Interactive Investor to buy the Share Centre
Announced this morning. Info on Interactive website is here https://www.ii.co.uk/analysis-commentary/interactive-investor-agrees-terms-acquire-share-centre-ii510579There are a number of news items about this also if you do a search
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Lendy facebook
anyone with a lendy account . please join the lendy action group on facebook . if you don't have a facebook account . its easy to join . then you can find the lendy action group . if you don't know how to do this please ask a family or friend for help. the group is working hard to reclaim the large amount of money owing .…
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Grants for Students
Hello everyone. Not sure where this is the correct category but I couldn't find anything else. In a nut shell, I am looking for a company to support with my university fees. I worked for a company who paid for my course, but part way through the course they changed their mind and wanted the full course fees paid back (long…
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billionaires club
how do rich people like bill gates, mark zuckerberg, and jeff bezos increase their net worth without working harder or working more legally of course? how do not only american but british and canadian billionaires do this? how do they go about increasing their wealth but without working harder or more than they have…
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Developed World ex-UK ETF
Hi all, I’m looking ahead to the new tax year and will be rejigging things a bit across accounts to help keep a lid on costs. I’m looking ideally for a Developed World ex-UK ETF, if there is such a thing? Google throws up IWXU which appears to now be delisted, otherwise nothing obvious springing out. Can anyone offer…
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ISA allowance 2020/21
Does anyone know what the ISA allowance will be for the new tax year? I can't find any information on this. Is it normally set in the budget in March?
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‘Low Risk Funds’- What exactly does it mean?
Everybody talks about the imminent or inevitable crash, we are relatively newly retired, I have a decent DB pension( enough to cover essentials) OH has a SIPP in ‘cautious funds’-40%equities, 40% bonds and 20% cash.( 300 000 in total) We also have 3 years in savings in the bank .OH is 4 years from SP and I am 9 years Just…
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RS sense check
Can anyone help with my maths/logic on this? Sorry I posted it on the Regular Saver thread but it doesn’t really belong there. I have £5000 to save. £1500 will go in a TSB current account to get 3%. £300 a month will go in a First Direct RS at 2.75% £500 a month will go in a Coventry BS RS at 2.5% After 4 months of paying…
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UK residential property fund/ETF
We are
thinking of moving abroad (possibly permanently) but for the foreseeable future
remaining UK tax resident. We will be selling our house in the South East.
Originally, we intended to buy a flat in a similar area (since we plan to return
frequently to the UK for holidays etc and we have young adult children who…
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Bank changing account holder's name without permission
My wife has had a Halifax passbook account for over 30 years. It was the only account she did not change her name on when we got married 26 years ago, and she has since used it to deposit occasional cheques made payable to her maiden name. Recently, she tried to pay in one such cheque but the branch refused stating that…
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Best way to buy shares
In the past I have always bought shares in certificated form because I am old fashioned and like to have something tangible. My question is, if you buy through one of the online stockbrokers what actually happens to your shares - do they just keep them in an account on your behalf and, if so, is there a cost attached? If…
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Defensive Global Funds
I'm currently looking to invest in a global fund that is reasonably defensive and at the moment I'm considering the Trojan Global Equity O fund. I do appreciate that most global funds are mainly 100% equity and I'm OK with that but some funds are very adventurous whereas others are reasonably defensive. Has anybody got any…
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Bank account for 16/17 year old
my child will soon become 16 and I notice that her child bank accounts revert to adult ones paying dismal amounts of interest. What accounts are good for 16/17 year olds. I don't want to put any money into CTF as I don't necessarily want her to gain access at 18.
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Investing for a 16 year old
Hi everyone :) I'm a visitor from another MSE forumite village and this is my first venture to a new topic, so please excuse my questions if they are basic.The query is about an investment (old foreign and colonial IT) I currently have (inefficiently) in my name and not as an ISA which I know is dumb but I'm a novice and…
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Best Vanguard Index Tracker
Hi, Looking to invest around £250-£400 a month in a Vanguard Index Tracker Fund over the long term (20 plus years). I want something that's relatively safe and would on average give 6-8% interest a year. Happy for any advice :)
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Stretching a little money a long way
Hi there I am trying to make the little savings we have a long way. Currently I have £2500 in a TSB Classic account. I struggle with time, as we have young children, and I supplement my supermarket wages with Swagbucks, instagc, online earning etc. I believe my TSB account earns 3% upto £1500? So the extra £1000 is just…
