Savings & Investments

A question about : Motley Fool sharedealing new charges

New charges with effect from from 31st March:

ISA closure/transfer fee: free (was Ј50)

Rights issues: free. Was Ј7.50 (online) Ј2.50 (sharebuilder),
free (ISA/SIPP).

Transfer out of shares electronically to another stockbroker/ISA to another ISA manager: Ј25/investment (max Ј125), was Ј25/inv no max.

Fund dealing: Ј17.50 was free
Fund regular investments: Ј2 was free
Fund dividend reinvestment: 2% capped at Ј17.50 was free.

A question about : Mutual Windfalls back?

windfalls on the way:

https://www.telegraph.co.uk/finance/p...l-members.html

the members have voted overwhelmingly in favour:

https://www.marineandgeneralmutual.co...bers/egm-2013/

perhaps Carperbagging could be on the way back

A question about : pensioner bonds

I can't believe how incredibly complicated they have made it to register for these bonds - multiple questions, timeouts, passwords, etc etc. Then if you try to ring their number - forget it! My sister and I have both tried, without success, and now given up. Has anyone else experienced this? It's crazy (especially when you consider these bonds are for the over 65's only!).

A question about : Family Building Society

Has anybody else noticed the anomalies in this product?
We have just learned that the 10,000 'tickets' which go into the Draw each month are not necessarily purchased by investors. The first Draw had just 27 eligible tickets i.e. Bonds actually purchased.
The second Draw had 680 eligible tickets. This seems to be

A question about : What is the best long term investment?

Good evening. I am looking to invest 40-50k and I'm looking at it as a 20 year investment. Would I be better going for a investment management company and investing the lot, getting a buy to let mortgage and let somebody pay my mortgage off or go into stocks and shares myself? I know it's all a bit of a lottery but what is your suggestion? I'm looking to do this every three years or so. Thanks.

A question about : Advice required

Morning All

Just some friendly advice required.
OH and I and Baby FLC are in this current situation:

Mortgage: Ј101,000 - 2.59% interest fixed for two more years
ISA: Ј7,000 1.49% tax free
TSB 5% interest account: Ј1,000

We are currently planning to add a brother or a sister for baby FLC.

My job is uncertain though - likelihood is a choice to take Ј180 per month pay cut - with a lump some of around Ј5500 (two years of pay difference)
Or redundancy.

A question about : The family building society

Looking for a new place for savings I came across the above, anyone have any experience with them please ?

A question about : portfolio asset allocation

I have a portfolio of unit trusts and oeic's.
74% are in UK equity, 14% in North America and the rest in various including bonds.
About 60% of it is in ISA's
Some of them pay dividends and some are growth.
Year ending 2014 they increased in value by 5.3%. I also took about 3.2% in divis making the total about 8.5%
41% defensive, 33% sensitive, 26% cyclical