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Yorkshire Building Society Bond
I have invested money in a number of global index tracking funds and would now like start investing in bonds. I came across a bond issued by the Yorkshire Building Society. It appears to offer Structure:Fixed Income/Fixed Rate BondCoupon (%):13.5000%Coupon type:Fixed CouponCoupon frequency:Bi-annuallyRedemption date:1…
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Why don't gilts attract CGT?
Is there a technical reason ? or could a govt change this policy on a whim...?
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Savings accounts accepting DD's
Current list accepting new customers: Post Office Online Saver (can only DD in from one nominated account, sketchy customer service feedback) Chip and Plum (app based) (Chip phasing out DD functionality) Birmingham Midshires Internet Saver Account (2 possible DD's - one of each of the yearly and monthly interest account)…
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Bond funds for an etf portfolio
Hi, I'm currently holding a fair wedge in mmf's which are providing both a reasonable return and reducing volatility. Going forward as interest rates drop I'll be looking for move into longer duration funds, possibly a mix of short dated and intermediate. I'm interested in what others hold in the fixed interest part of…
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How do Gilts work in practice?
Hi, I’m just looking at gilts, and wondering how they work. For example Treasury 6% 07/12/2028 GBP | GB0002404191 | 0240419 Price 111.740 GBP I think this means that this is a £100 product, with a current price of £111.740. So I pay £111.74, and receive interest each year of 6%. This is based on the original price, so…
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FSCS: How you’re protected on savings, insurance & investments discussion
This discussion relates to the FSCS: How you’re protected on savings, insurance & investments guide.
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Savings opinions on my situation.
Good morning, I am after some opinions what i should do in my situation regarding my finical position. My situation - I am 43 years old. I am married, 2 young children with my own home. I earn £70,000 annually and receive a tax free monthly pension of £1100. Debt - Mortgage - £300,000 at 1.54%, rate runs out Oct 27. From…
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Best Building Society/Banks
Due to an inheritance I need to look at opening a couple of accounts with different building societies/banks. I am more interested in the security of the £85,000 protection and service than rates. That can always come later. I was looking at the N&S&I but have seen another thread on the forum saying people have had…
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Investec 90 day notice account
I’ve read about this in the MSE weekly email. If depositing can you give instant notice by initiating a withdrawal so it will come out 90 days later? Importantly do you still get the full interest for the 90 days even if giving instant notice after depositing? This sounds interesting, however I’d want to give notice right…
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Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go. As Cynergy only have to notify you if the…
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Current Account For Son
Hi, My 23 year old son has just started his grad job and will be taking home around £2K per month. He's living with us and has no debt or balances to pay off. He has a Santander account he setup during his 1 year student industrial placement which earns 0% interest but is looking at switching to an account in which he can…
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Can your investment ISA also be your emergency fund?
Hello Can you please give some guidance. Can my investment ISA also be my emergency fund? eg I have £1k in cash easy access, but I want to start building up a fund for my kids uni costs etc. Every month I want to put it into my investment ISA. What are the disadvantages of also keeping this long term fund as also my…
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Buying dollar-denominated investments as a hedge against a weak pound
Sterling has done very well vs the dollar over the last two years, up from a low of $1.08 to $1.34 I'm not optimistic on Sterling over the next few years. Also I view the upside as limited but the downside risk as far greater (in other words I could imagine a run on the pound but don't think there's too much chance of…
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Registering on NS&I website
My mum has Income Bonds with NS&I with a monthly interest paid into her banks current account. She wants to withdraw money but she is not being identified on any of their systems. We have filled in various forms with her details including NS&I account/bond numbers but she is not getting any response. She is 87 without…
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Coventry building society amend SO.
Hello. This morning, 25/9. 7.30ish l changed the amount l wanted to deposit into my RS. I have done the automated call and code bit, but the amended details are still the old information. Does it usually take a 24-hour period to have the new details?
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Starting out - where to put £2.5k?
I've put aside £2.5k that I can afford to take some risk with - to be specific, I don't want to simply gamble it all away or I'd go down to the bookies! But if it was to drop quite significantly due to poor decisions, it wouldn't be the end of the world. Don't need access to the cash. What would be your recommendation?
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Child Trust Fund
My daughter was born March 2003, so I believe she has a child trust fund. We are no longer resident in the UK and have been told she cannot claim her trust fund. Please can you confirm this is true. Also she has never had a NI number so would she need to apply for it to claim it if that is possible. Many Thanks in advance
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Chase asking questions - anyone else?
My husband and I have both had our Chase accounts for nearly two years. We transfer money in every month from our main bank account and have savings with them. He has had questions to answer on the app over the last week about his income and how he uses his Chase account, I haven’t had this. I wondered if they are coming…
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Nationwide Smart Ltd Access.Who's responsible for HMRC, IHT etc?
My parents opened a Nationwide Smart Ltd Access for their granchild who's now 17 a number of years ago that both my mum and dad are named on the account in addition to my son. I have been wondering is the money classed as my sons for HMRC, IHT, LA DOA, etc purposes or can it be wholly or partly attributable to my parents?…
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HSBC regular saver
I am trying to setup this regular saver so that the standing order is taken on or about 1st of the month to coincide with the receipt of my company pension. Any advice on when I should apply for the regular saver? Sat 28, Sun 29, or Mon 30.
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