Savings & investments

Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

Giving shares for Christmas
How can I give my adult offspring company shares as presents? I have no shares myself- I want them not to share my phobia. I know very little about shares - except that they're a Good Thing long term.
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How many Funds?
Hey, I'm just about to begin investing in Funds through H&L, I was wondering how do you guys go about investing? I mean do you do it all within your S&S ISA or use their Fund Account. I'm taking the route of using my S&S allowance, but I've already used up £5100 for my Cash ISA, and investing £5100 doesn't seem to be much,…
Hargreaves and Lansdown Stocks&Shares ISA
It seems these can be started with only £1000 online compared to say £3000 in Barclays (IIRC). But do you have to invest yourself in funds/bonds etc? In Barclays I believe a fund manager does it for you.
Saving / Investing for Child's Future
Hi folks, I'm looking for some advice on saving for my child's future. She's 13 months old at the moment and since she was born, we've put away £30 a month and birthday money etc.... (I know it's not mega amounts but it's better than nothing!). When she was born, we opened a saving's account with Halifax and earned 6%…
Fund holding overlap query
Hi all, I am in the process of adding a few more funds to my S&S ISA portfolio and doing as much research as I can. I have analysed them through the Morning Star tool. There is some overlap between holdings. Now as my user name states I am a new investor and was wondering whether or not a little overlap is ok, should be…
Costing money to get my money out!!
I've got a 2 year bond at 5% maturing on 22nd December with Natwest, they have given me the option to reinvest it with them at 3.5% for another 2 year bond. However there is a slight catch, since the new bond doesn't open until 4th Jan 2011, my matured bond will be kept in an account giving about 0.10% and then be…
Halifax Interest Rate Reduction
Although I do try to check interest rates regularly, I noticed today that the rate on my Halifax Web Saver Extra was reduced 3 weeks or so ago. I remembered reading that the FSA guidelines now recommend (require ?) that Financial Institutions give you notice of rate changes in many circumstances, so called Halifax to find…
Transfer Limits AA & Post Office Online Accounts
http://www.theaa.com/savings/internet-savings-account.html http://www.postoffice.co.uk/portal/po/jump1?catId=19300206&mediaId=19300232 Does anyone know the transfer limits on these two accounts. Can you transfer by direct debit amounts up to £50k in one single transaction to your linked account on the same day? I ask so on…
Selftrade Certificates
Sorry to keep posting about my ongoing nightmare. I am in the process of closing my account with Selftrade. They just emailed me to say that they cannot issue certificates for foreign stock or any kind of unit trusts etc. Only stock on the LSE. So I have nothing on the LSE. I can't have certificates. Does this sound about…
Palladium is the new gold ?
http://www.etfsecurities.com/msl/etfs_physical_palladium.asp http://www.theaureport.com/pub/na/7933 http://goldmoney.com/gold-research/russias-palladium-stocks-depleted-by-2011.html Palladium has been flying in the last 6 months and has gone up about 85% in the last year. There seems to be a perfect storm with world…
Alliance and Leicester Savings
I can't beleive how difficult Santander have made it to find out the current interest rate on some of their savings accounts. My wife has an Onlinesaver Issue 7 account but I cannot find the information on their site and they have not replied to my wifes e massages. Surely there's something wrong here.
MSE News: Inflation rise means all savings are 'losing' accounts
This is the discussion thread for the following MSE News Story: "No standard savings account can beat the current rate of inflation, meaning virtually every savings vehicle is a 'losing' account if the cost of living continues to rise at the same rate ..." Read the full story: Inflation rise means all savings are 'losing'…
Best all round savings provider
Hi I am looking at opening a new savings account to receive regular credits of maybe £15-20ish per week with no initial lump sum deposit and I expect this to be long term but have some conditions: I want a decent bonus free interest rate as I don't want to move my funds each year. No penalties for withdrawals (not…
MSE News: Government demands simple savings
This is the discussion thread for the following MSE News Story: "Treasury Financial Secretary Mark Hoban says the vast choice and multiple product features make it difficult to compare ..." Read the full story: Government demands simple savings
Nationwide Internet Savings 2.99%
Nationwide My Save Online Plus looks like a good savings rate for those who do not require regular access to funds. Pays an all in rate of 2.99% which is variable and includes a 1.45% bonus. However beware - rate is awful if you make more than 1 withdrawal in 12 months.
Santander logon change
Can someone confirm to me that Santander online banking has changed? I've been away from the computer for a few days and come back to find first of all it telling me to download Rapport (already have it) and then the logon page has changed. I expect I've already read that it was going to change but forgotton it, but with…
First Direct Everyday Saver - 1% Bonus
For the last year I have received the 1% Bonus on my First Direct Everyday e-Saver account to give me the 1.25% interest rate. Now that the offer has finished and I now earn the measly 0.25% interest I was wondering if anyone has tried to apply for a second time for the bonus - I can't see anything in the offer online that…
Linked Banks
Are the Halifax and Lloyds TSB linked? I have a letter from the Halifax saying "Since Halifax became part of Lloyds Banking Group ...", but the linking is not listed on this web site. What is the situation, please?
Santander Business Bond
Hi mse forum, My parents bought a 1 Year Loyalty Tracker (3.0%) from Santander for their company. It is a business bond. I'm not quite sure how bonds work. I understand that the money invested in a bond is is lent out to another group of companies. I've now been reading a lot that the bond markets face potential collapse.…

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Tesco shopper? You've got TWO WEEKS left to spend £17 million of expiring Clubcard vouchers – or extend them with our trick
If you've got a Tesco Clubcard, check when your vouchers are due to expire as there are two weeks left to spend or extend nearly £17 million-worth before they run out on Friday 31 May.
FREE £17 organic and vegan sunscreen mini at selected O2 stores
As the sun starts to show up in earnest (we hope) in the UK, it's the time of year when you might start thinking about sunscreen, unless you wear it daily as recommended by foundations such as The British Skincare Foundation . Sunscreen can be expensive, which worryingly can put people off using the recommended amount, but I've found a fab freebie for you, plus tips on where to get cheap sunscreen with five-star UVA protection.
Spotify subscriber? Save up to £24 a year by removing audiobooks from your plan
If you pay for a Spotify 'Individual', 'Duo' or 'Family' subscription and don't mind giving up audiobooks, you can now save up to £24 a year by switching to one of its new 'Basic' plans.
Electric Ireland to stop supplying homes in Northern Ireland – here's what it means for you
The provider will stop supplying all 53,000 of its household customers in Northern Ireland over time, so you'll have to switch to another supplier – though there's no change for now.
Shell Energy broadband customer? You'll soon be moved to TalkTalk – here's what you need to know
If you're a Shell Energy broadband and home phone customer, you'll soon be automatically transferred to TalkTalk – but your service should continue as before and you should keep paying your bills as normal.
Double glazing firm Everest falls into administration – your installation and warranty rights explained
Home improvement and double glazing company Everest has stopped trading after falling into administration.
Sainsbury's shopper? Check if you can get an easy Nectar points boost with its new offer
If you have a Nectar card, you may be able to earn a few quid's worth of extra points this month, as Sainsbury's is running a limited new promotion for millions of shoppers.
Subway customer? Use or lose your loyalty scheme points TODAY before shake-up – here's what's happening
If you're a Subway Rewards member, you have until 5pm on Tuesday 14 May to spend any points you've built up – or lose them entirely.
Cheap energy deals for switchers could be back soon after Ofgem ends ban - Martin Lewis says it's "better late than never"
Rules that prevent energy firms from offering cheaper deals to new customers could be scrapped in October, paving the way for you to cut your bills by switching supplier. Martin Lewis has said that this move is “better late than never” and is much-needed to fix the broken energy market.

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