-
Boosting My Wife's Pension - A Minefield Of Options...
Hi, My wife (44) works for Glasgow City Council and has been a member of the Strathclyde Pension Fund for 20+ years. She is a low paid part time worker and is looking at options for boosting her potential pension. Looking at the website it suggests that she has three main options: * by arranging to purchase additional LGPS…
-
JPMorgan Natural Resources - Why dropped like a stone?
Hi, Like many others I hold JPM Natural Resources in my portfolio and have done so for more than 5 years. Upon checking my funds recently I noticed that it has consistently dropped like a stone since Jan 2011. Any ideas why and what are peoples view on continuing this as a long term hold?…
-
Lump sum savings
My Mother has just downsized property and as a result has a lump sum to invest - around £25k. She's already used her ISA allowance for this year - what is best mix of short, medium and longer term accounts to ensure the lump sum grows at least with inflation each year- but without taking risks on the capital invested?…
-
How would you get a HL S&S 3 month statement? Is it even necessary?
Story short, the solicitor has been made aware of all my brothers accounts - all current accounts, his cash ISA & his eSaver, as well as his HL S&S ISA. He received a letter from HMCS stating the following (& i quote...): He has current accounts with Nationwide, Santander & Halifax - they should be simple enough to get…
-
Trustee accounts
Got a legacy coming in a Discretionary Trust and need to set up a trustee savings account for the Trust Fund. The normal savings comparison web sites don't seem to cover this area and the few accounts that I have found give pitifull interest rates. Any recommendations for a couple of accounts (2 x £85K for protection) with…
-
Can i transfer shares from SIP to ISA?
I have a company SIP scheme (basically its a buy one get one free scheme), can i transfer my 'available shares' (worth approx £4,000) into my recently opened S&S ISA? Whats the easiest way to do this please? The broker holding my SIP shares through my work are terrible to deal with, I think i have to transfer the shares…
-
Saving for a House Deposit
Having read through this thread I'm still not 100% what method of saving would be best for me. I'm looking to start saving from this month with my partner for a house deposit. We plan to save around £1000-1400 per month (total) for around 12-18 months or until we have £18-20k. We don't mind having it locked up for 12…
-
The Fiscal Cliff
Explained in full here ;) http://www.telegraph.co.uk/culture/culturevideo/tvandradiovideo/9729253/The-Simpsons-Mr-Burns-explains-the-US-fiscal-cliff.html
-
What is the best type of savings account?
I am saving money for University tuition fee's, and am curious as to which kind of accounts will give me the best interest rates, on top of my savings. I will be depositing £1000, and then will be adding (via DD) £100 per month for approximately 18 months, giving me a total of £2800 put in to the account. I'm not asking…
-
Scams and Boiler Rooms: How to spot them
Ok so why am I starting this thread? Who am I to point the finger? simple. I used to work in a boiler room. In fact, I've worked in several. I now know how to spot them. OK to begin with, most believe that any company that cold calls you offering investments is a boiler room. This is usually true. Not always, usually.…
-
Do the banks want my money?
This is bugging me . . . If banks want investment; and want to attract new customers; and presumably want customers to save all their hard earned money with them . . . . why are savings rates in freefall? I just had a discussion with my bank manager and she said that Lloyds are about to slash rates yet again on their fixed…
-
Turned down for first direct accounts - weird
Anyone else had this problem? I did apply a few weeks ago, but they wanted evidence of my address (certified passport and other things), but due to travel I did not have time to get it in. I did get it all together, but by then I apparently had to re-apply. So, I reapply and get told I did not meet their 'account opening…
-
best thing to do with my money
Hi, currently got £35k in a virgin money savings account taking the monthly interest. Just had an email saying in Feb they are cutting the rate slightly. With the current climate and the general way banks have been this have annoyed me some what so want to move it but really want to get the most possible returns. I've been…
-
Index tracker choices and ISA wrapper
In the first quarter of next year I'd like to start investing and have heard the index trackers are a good place to start. I've heard the FTSE Allshare or FTSE 250s have pretty good growth returns typically. But I'm not sure how to go about finding one with a low(est) TER and charges. There are some links I found on google…
-
Santander's Portfolio Investments?
Hi folks, just wanted to ask a bit of advice... I'm new to all this and don't really know much about it but I was approached by a Santander Financial Advisor about possibly taking out a Portfolio Investment with them... I think it's a Growth Portfolio... They explained the general idea behind them and benefits and also the…
-
Drip feeding index trackers.
I'm interested in drip feeding an index tracker. Either US or UK, or perhaps even emerging markets. Thinking of about £150 - £ 200 per month. Any ideas one what I should be looking for? Don't want to get hit too hard on fees etc. Also, can I wrap up such an investment within my yearly isa allowance? Any thoughts on…
-
Basic Advice RE. S and S ISA
-
ISA rates in 2013...
-
Grandparents savings for grandchildren
My parents want to put money in an account of sorts for their grandchildren. They want the money in the children's names - what is the best way to do this? The children are under 5.
-
Dipping my toe into corporate bonds - Advice requested
I'm running out of places to generate a decent return on my savings, and the outlook for me managing to divest some of it by moving up the property ladder is receding. I am therefore thinking it's time to look at using my S&S ISA allowance. There is a retail bond that has caught my eye. It is the Alpha Plus 7 year 5.75%…