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Savings & investments

Archives for February 2022

savings
I have £50,000.00 to invest and wanted to know what was best option for my savings, was looking at premium bounds but not sure if this is best return.
NR savings part of Lloyds
Hi, just reading an old thread re Cheltenham & Gloucester savings bonds rates dated 28/9/09. I am curious - anyone know what NR relates to? As per quote;
Return on investment funds
I am researching investment funds and I have found articles stating annualised returns from -3% to +26% over the last 15 years. Can anyone tell me whether,typically, the returns are calculated net of fees and other related charges? Basically, I am trying to ascertain the true return for a lump sum investment.
NHS Pension..?
We'll get a direct answer in a few weeks I guess but in the meantime I'm wondering if anyone here has a bit of insight or is it one of those questions where the answer is "it depends..."? Just wondering what the NHS pension is / how it works? By that I mean currently the individual it applies to is getting the bare…
Paying a cheque into a bank
My wife is expecting a cheque from Virgin Bank am I ( her husband ) allowed to pay this cheque into our joint bank account as she is disabled and not able to walk if not I will have to arrange another method of payment thanks
Same Day Pricing for Funds
I've always assumed that Internet orders for Investment Funds (Unit trusts & OEICS) had to be submitted to a broker before 8am to receive the next available price for that day (often at Midday). I've just exchanged Emails with someone at Interactive Investor who seems to imply that Internet orders can be submitted much…
Savings account help needed
I need an easy access savings account that can transfer about £14k into and then a two or three hundred per month thereafter. It has to be available for instant withdrawal in case of emergency. Cannot be Nationwide or anything it owns. Any ideas please. There seem to be a lot of accounts now that only add interest…
Best platform to hold ISA funds
I've got ten funds in my ISA. I add about a hundred pounds a month into each fund. What platforms are the cheapest when considering charges? Is it better for me to say make a two hundred pound addition into each fund every two months instead of doing this each month? Currently, funds are sitting with a platform that…
Child savings- lump sums
Hello, what is the best type of savings account for a child that would allow a lump sum deposit?
Ditching IFA Drawdown Pension using Elevate Platform
Last January I engaged with an IFA to help me transfer my Defined Contribution Pension from Aviva to a Drawdown Pension. He recommended using the Elevate platfrom with Standard Life, now called "abrdn".He divided the pot into 4 portfolios after I took my 25% tax free allowance and I also signed an advisor charges agreement…
EU restrictions on fund or platform?
I queried with Hargreaves Lansdown, Vanguard and Interactive Investor regarding what I could do if I currently had an account with them resident in the UK but moved to Portugal. The responses were: HL For both the SIPP and the ISA, if you move overseas, you’ll no longer be able to buy new units in UK Authorised funds. You…
The time has come to buy more units during this ‘’sale’’
Unit price on downwards trend
Child Trust Funds
My daughter has a CTF maturing in March , we moved home in 2021 and wanted to advise The Children mutual that we have moved house, so when they write in early March the letter gets to us. I have documentation relating to the initial investment being paid into Invesco Perpetual Income fund plus paper work supporting other…
Capitol loss for CGT purposes
I wonder if someone could assist me. in the next year I intent to sell some shares at a loss, heres the scenario. A, in may 2021 I bought some shares in company A for lets say 5000 shares at £1 a share.B in May 2022 I sell these shares 5000 at 50p a share = a loss of £2500.00 (the shares are held in a regular investment…
Where to compare pension performance
Hi, I have an Aviva Pension Portfolio (pre-retirement) through an advisor. We have regular meetings and I am shown the fund performance measured against others in the market and generally it holds it's own. I'm not convinced that the advisor is really adding value to my pension, rather the opposite considering the fee's.I…
Ruffer Total Return In Euroland
Ruffer have done ok for me in the past. I like their "philosophy" aka sales patter. I now live in Euroland (and am retired), and am worrying about inflation, so I think I need to increase my appetite for risk, because simple savings accounts are so far behind So one fund that appeals is Ruffer Total Return International in…
inflation
what to do with savings protection from inflation
NS&I error sees 300,000+ savers waiting up to six months for interest payments and Bond prizes
Hundreds of thousands of NS&I savers and Premium Bond holders have waited up to six months to receive interest payments and prize wins, MoneySavingExpert.com can reveal. It comes after a glitch following a system update... Read the full story: NS&I error sees 300,000+ savers waiting up to six months for interest payments…
Money Savings Expert £25 promotion for Raisin
Seeing the link through MSE to open a Raisin account my wife and I both opened accounts but nothing showed regarding the £25 promotion. On phoning Raisin received an apology and was told it would be credited manually. A few weeks on and nothing. Raisin don't reply to emails. Anyone else having this problem?
Shepherds Friendly
Hello, I've recently noticed an ad from Shepherds Friendly offering a 2.25% AER for a 5-year fixed term. Which would translate to a staggering £225 per year for a 10k deposit. Is there a catch on this? As this is nowhere near what other suppliers offer. Thanks

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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