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3.5 fixed
Guaranteed Capital Plus (Issue 6) guarantees to give you a full return of capital after 3.5 or 5.5 years. In addition you will get a return based on the performance of the FTSE 100 Index. At maturity you will receive your original investment back plus 12% or 26% respectively for the 3.5 and 5.5 year option, if the FTSE 100…
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How do I buy 5 ETFs cheaply each month
Ladies and Gents, I wish to buy 5 ETFs each month as a way of building an investment portfolio and at the same time hopefully leave something to my children in the future. Can anybody give me any advice as to how to do this cheaply ? Any ideas will be gratefully received. Thanks
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Inflation figures not good news for some NS&I savers.
Whilst Consumer price inflation dropped sharply in December from 4.1% to 3.1%, less well reported was the headline Retail Prices Index (RPI) which fell to 0.9% from November's 3% rate, the biggest fall in 28 years. This is what the National savings index linked saving certificates use as a benchmark, so some of these could…
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Cash ISA
Hi I have a mini cash ISA with First Direct, part of HSBC, opened about 6 months ago. Now the interest rate is down to 1%. Can I transfer it to another provider without losing interest accumulated so far. If so what is the best deal to transfer it to? Bill
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Letter from Zurich Assurance Re Unclaimed Assets?
My partner and I have today both received a letter from Zurich Assurance requesting us to confirm our details in order to search for Unclaimed Assets they suspect may be ours. The letters appear genuine and they have provided a return addressed envelope to go to the registered office in Swindon, but ever the sceptic, I'm…
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£40,000 to Invest/Save.
Hi All I have been doing a little bit of research however I am still struggling to find a suitable account. I plan to purchase a house at the end of this year and I have transferred my ISA into the Julian Hodge bank. However I have 40,000 left that I want to use so that it will make some money at present, does anyone have…
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Egg Cash Isa
Hi all, I have an egg cash isa which I have filled for the last two years however I dont know what my current rate of interest is! I dont understand what they mean when I look at their explanation of rates - If opened before x date you get x etc! Would someone be so kind as to tell me what my current rate would be if I…
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ZOPA - Anyone tried this
Hi there, Has anyone here tried using Zopa - I'm thinking of a (very) small investment. Many thanks
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Guaranteed Capital Bond
Hi hope its ok to ask here We have a Guaranteed Capital Bond from RBS through Royal Scottish Assurance. Mature date Dec 2009. If anything happens to RBS are our savings protected by any of the protections bodys FSCS ??? etc. I know its very unlikely that we will get any interest but am worried that we might lose our…
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Savings plan - advice needed
Hello everyone. I need some advice on whether my plan for my savings makes sense or not so would really appreciate your feedback. We have Cash ISAs and subscribe the total amount every April. We are planning to switch banks for our ISAs but waiting till April when we hope there will be some better rates on offer. We’ve…
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From The Times: SOS - save our savers, unfairly punished
Not a whole lot we don't already know, but interesting nonetheless: http://www.timesonline.co.uk/tol/comment/columnists/william_rees_mogg/article5586596.ece My personal opinion: Gov should be trying reduce this huge debt mountain, not encourage more of the same. Buying bad debts from banks does not remove those debts, but…
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Warning on "enhanced income" funds
Sure to be loads of people caught out with these. http://www.timesonline.co.uk/tol/comment/columnists/article5579382.ece Those who wish to avoid risk need to be satisfied with more modest returns for a while.
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Sky News saying PO account holders not covered by UK protection
Just seen this message on the yellow ticker at the bottom of the screen on Sky News. What is going on?
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B&B login page hacked?
looks like the B&B login page is having some problems: https://savings.bradford-bingley.co.uk/OFIS/login.aspx anyone dare enter their login details? what a joke
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ICESAVE paper application
Anybody received one yet? I have opted to wait till maturity on 3 fixed term accounts, the first one matures on 17th Dec 2008, so I am wondering if my gamble will pay off.
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Hens Savings Account
Having looked at what seem thousands of different savings accounts, my brain is about to explode and its also none the wiser!!! A group of us are going on a friends hen weekend next year and we want to start saving towards it now, so we need an account that is/gives us... * Online savings account * 2 people control * No…
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NU With Profits Bond
I invested £100,000 (enhanced to £108,000 by rebate of initial FA commission) in a NU with profits bonds in 2002, payment out £7,500 pa. I considered cashing it in when the MVR was removed in 2008, however I held it as I expected to gain from the re-attribution. As with most (if not all?) investments in stock market it has…
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Savings
What happens to personal savings if the country goes bankrupt and is this likely for the UK?:confused:
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Buying shares-im new to all this
Ive got £200-300 to play with. I dont like risk taking but seeing Royal Bank of Scotland shares are currently about 25p surely for a long term investment investing in them would be a good idea? Im sure the government wouldnt let the bank collapse and in 2-3 years theyll be worth 2-3times more at least?? Seems to me the…
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Abbey Wealthmaster
Hi I was sold a Wealthmaster plan from Abbey Life in 1992. It is currently worth less than I've actually put in by about £500. I've been putting £21 pm and this was supposed to be a saving plan for my new born son. It's due to run until 2011 but I'm considering cutting and running. Do you feel I would gain anything by…