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Maturing Charter Fixed term bond ISA
They sent me an email yesterday informing me of a maturing fixed term ISA bond. They gave my maturity options of another 1 year fix at 4%, however on their current available accounts a 1 year fixed rate bond ISA is 4.1%So current customers with maturing ISA bonds are being offered less to carry the bond on than people…
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Interactive Investor Advice/Managed Portfolios
Noticed this which is new from ii. https://www.ii.co.uk/ii-accounts/ii-advice Not quite sure how much of a full "advisor" offering it is v a bit of a "what Vanguard tried to do" but looked like it might be a reasonably priced option if anyone is looking for that sort of offering. Seems limited to MyFolio Index funds though…
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INC or ACC ?
I will be investing in index funds (OEICs) using my cash ISA (37.5%) and cash (62.5%). My plan is to use the entire cash ISA to invest in one Income (INC) fund, in case I need to replenish my cash ladder. (I hope my other plan works; if so, I can keep the income reinvested, even though Interactive Investor (ii) charges a…
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Ethical ISA investment — sanity check appreciated
Ethical ISA investment — sanity check appreciated I'm 52 with a ~10-15 year horizon. I have £74k sitting in underperforming cash ISAs, backed by £50k in Premium Bonds as a safety buffer. I want to move the ISA money into a stocks and shares ISA — long-term equities. I have hippy tendencies so won't fund weapons, fossil…
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Seven Investment Management (7IM)
My IFA wants to transfer my holdings from Transact to Seven Investment Management (7IM). I understand the reasoning, but I have never heard of 7IM. Anyone got any experience of these guys? www.7im.co.uk Thanks!
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Holding off investing in fixed terms?
With the rises in inflation that we are going to see in the near future, and the probable rises in interest rates that this will bring are any of you putting off putting cash in fixed term deals? Also with the ISA allowance coming up again in a couple of weeks would you hold the trigger on them also? I would normally take…
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Savings accounts you can automatically transfer out from
Our daughter has a Junior ISA maturing and we want her to transfer this to another account. The money is a university fund and what we would like to happen is to have a savings account that can be set up to automatically transfer money out via a standing order. We want the money to go into her current account as if it is a…
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NS&I to pay compensation to bereaved families over account tracing failures
Tens of thousands are set to be compensated by state-owned savings provider NS&I after it failed to properly trace the savings accounts of deceased customers, leaving bereaved families struggling to access their cash. Here's what we know so far… Read the full story: NS&I to pay compensation to bereaved families over…
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Help with a investment possibly Hampshire
Hi Have a large inheritance invested for my future im 53 (with Quilter) stocks and shares Isa paying 7% into my pension which my work match mortgage free no family Tesco shares £11k approx Now I have £20k to invest £10 in Atom 1yr £5k in a virgin 2.9% higher rate ended £2k in everyday virgin account which my wages go into…
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Investing and growing money for child's future
I am sure this is similar to other posts but this is specific to my circumstances. I have two children and want any money given to them to grow well. They are 8 and obviously thinking about stocks & shares JISA. I have seen that Hargreaves Lansdown have zero fees and you can choose a fund category based on risk level. I…
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Low risk funds/ideas for cash lump sum
Lucky enough to have come into significant cash around £200k mark. I am looking for a short-medium term place to store this, my ISA this year and from April will easily be 20k'ed by these monies, and I have already got £50k maxed in Premium Bonds as I'm sadly a 40% taxpayer. No mortgage, my employer pays significant…
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AML/source of funds complications of having many Regular Savers
This discussion was created from comments split from: The Top Regular Savers Discussion Thread.
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Vanguard in specie stocks and shares isa transfer query
I completed an in specie transfer this week of a stocks snd shares isa. My account had a value of around 23k, but when transfer took place they put price as £197.96. It is the Global All Cap which has never been as low as this. They have said the price doesnt matter it is the units that count,but how can I know the units…
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Hanley Economic Emails
Hot on the heels of Hanley Economic's recent poor form in forgetting to send out an email notification of interest rate reductions (coupled with poor grammar in the email they sent after realising their mistake- "should of" instead of "should have" and a complaints manager who seemed upset by people having the nerve to…
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Investing Discretionary Personal Injury Trust funds
Hi, I'm wondering if anyone has experience of this. It's a relatively small award (30k). I have had the trust deed created by a solicitor and as far as I can tell I now need to set up a trustee bank account with either Monika or Metro Bank. Neither pay interest on the account, which is essentially what I'm asking about.…
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Aegon - GIA and Stocks & Shares ISA - Alternatives/Ideas
I'm trying to help a family member who is reviewing their investments. They were taken out by their partner years ago who is no longer with us. They are using the Aegon platform and have the following investments. Identical investments in both their GIA and ISA (although much more being held in the GIA). 27% held within…
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Transferring Kent Reliance Cash ISA to Principality
What do you put in the Account Number and Sort Code fields on the Principality's online Transfer-In form? The KRBS account doesn't have an 8-digit account number or sort code, just a long alphanumeric account number. The form won't submit with these fields left blank, and entering the generic account number and sort code…
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Opinions on savings rates
I'm just looking at ISA rates and savings rates. Considering locking into a fixed rate ISA for the bulk of my savings but would like to have a flexible ISA or savings account with a decent rate. Mine are now only 3 percent on the ISA n 2 percent on the savings. Just wondering whether to hold fire to shift the money or move…
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SIPP
I am 64, retired and do not pay tax. Am I right in thinking that I can open a SIPP with £2880, then the government will top it up with the tax relief. Am I being stupid, or can I just cash it all in the following week as I am at the age when I can withdraw it? If so, it seems a no brainer for the free cash, or am I missing…
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Source of funds and source of wealth
I received an email from Hargreaves Lansdown saying their Ts&Cs were changing to include the following. Reflect that we may request information from you to confirm the “Source of Funds” and your “Source of Wealth”, Has anyone had any experience of being asked about this by any financial institution?
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Most recent: ISA with Charter Savings Bank by mrcrumb
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