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Help to Save
Hi! This is the discussion thread for the Help to Save guide. Click reply below to discuss. If you haven't already, join the forum to reply. Thanks folks,
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Vanguard Bond ETFs: Transaction charges more than the Ongoing costs
Transaction charges of some Vanguard Bond ETFs are more than their Ongoing costs, For example, Vanguard U.K. Gilt UCITS ETF (VGOV) - Ongoing Charge: 0.05 Transaction Costs: 0.08 https://www.fidelity.co.uk/factsheet-data/factsheet/IE00B42WWV65-vanguard-funds-plc/key-statistics Whereas similar ETFs from other providers do…
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Wedding Investment
Hello, I have three daughters 18,20,23 and would like to make some financial preparation for future marriage. The first two are still in further education with no partners my third works full time in the British Virgin Islands and may have a meaningful relationship of less than a year. I have very limited knowledge of…
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Melton Building Society
Hi everyone I've been trying to call the Melton for the last few days and just cannot get through to anyone. If they don't pick up within 5 minutes on their main number, it cuts you off and the music stops, asking you to try later. If you call a branch, it's the same result but it cuts you off after about a minute. I am…
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Stock Options - no idea , please help
I hope I make sense. So… years ago I worked for a company in the US
(im uk based) I was sent a document pack from the US, > “Enclosed
please find original stock certificate number 176, which represents 9381 shares
of common stock of x company’ i remember and for some reason I paid $136 – no idea what this was for –
but to…
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Reeves green lights new Access Bond regime to improve retail investor accessibility to Corp Bonds
In the wake of the equity markets now beginning to appreciate the implications of new proposed Trump tariffs over his Greenland ambitions and the EU's potential retaliation thereto, the following announcement yesterday was overshadowed -…
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Oxbury Bank 3 and 6 Month bonds
Oxbury Bank regularly offers 3 and 6 month bonds. Current rates on offer are 4.22% and 4.23% respectively. However these are for exsisting clients only and can only be discovered if you have an account. If these shorter duration bonds appeal, savers should consider opening an easy access account with Oxbury ( minimum…
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Tax on savings interest
Hello, My elderly mother is selling her current home and has found a place that she wants to rent moving forward. As she will not be using the sale proceeds to buy another home, she would like to put them into NS&I guaranteed income bonds, where she will receive interest every month. However, she first wants to understand…
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TR35
TR351 1/8% I-linked Gilt 20351.125%22-Sep-20359 years 282 days£95.96 £100.112 1.573% Could someone clarify with the above IL gilt, it would deliver CPI + 1.125% (compounded from inception, currently 1.573%), each year until 2035 ...and I don't need to concern myself with clean or dirty prices if I buy say £10K worth.…
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Seeking Source for 2004 prices for Unit Trusts & Shares ?
Looking for hopefully an online source of historic prices to calculate potential capital gains. without success, already tried either Stock Exchange history, or Company / Unit trust websites — can get as far back as 2006 in some cases
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Investment Wealth Management opinions?
Hello knowledgeable forumites! We needed to get some financial advise as self employed , no pension ( in our 50s!) and just savings. So after trying loads of IFA could only get 1 response so far and also 1 wealth management company. We were advised to start a pension obviously, and then look at the investments and ISAs.…
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£140k in savings
I have £140k in savings. What should I do with it?
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Forthcoming dividend for Artemis Short-Duration Strategic Bond
Can someone please tell me where I can find the amount of the 31 Jan distribution for this fund?
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Skipton and leap years
Just had an email off the Skipton to clarify they don't pay interest on 29th February. Not sure this clarifies anything? Does it mean what it says, or does it mean you don't earn interest on 29th February?
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ETF's, can't decide between S&P500 or All World
I'm new to investing, always played it safe with high street saving accounts, cash ISA's, etc. I've been reading a lot about it and dabbling with the Trading212 app. I'm ready to start putting small lump sums into an ETF over a long period (20+ years) and had picked the S&P500 based on, basically what everyone else online…
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Impacts of savings with a US Bank
I'm looking to set up a 1yr fixed term savings account with Marcus Bank (part of Goldman Sachs in the US) . Their terms and conditions state that they can block withdrawals if they need to "comply with sanctions regulations, and not doing so could mean they face action by a regulator/government/law enforcement body". Does…
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GB Bank
I don't see much mention of GB Bank, is it good? Bonds, Easy access? I'm very new to savings.
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Advice on fund
Can I get some advice on this please how does it compare to short term money markets & funds like VLS80 in terms of risk and returns outlook . Does investing large one off amount in it now pose any additional risks INVESCO BOND INCOME PLUS LIMITED (BIPS)
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HSBC and First Direct Regular Savers - Closing statements and annual interest statements?
Just wondered - as per title really. Does anyone else have issues with receiving closing statements from HSBC / FD once their regular saver matures? I think FD sometimes send hard copy statements via post but I don't recall a HSBC account statement which has recently matured? From memory, I don't ever recall electronic…
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Confused about NS&I login process using a mobile
Hello all, I'm aware that various posters have had issues with two-factor authorisation when logging into NS&I with their mobiles as the hash key doesn't seem to work for some people. Consequently to be on the safe side I've always just kept my BT landline details on there, which has always worked for me with my laptop…
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