Personal Finances
Personal Finances
The Citizens Advice Bureau have reported an astounding 1.4 million debt problems coming into their offices each year . If you’re one of those people experiencing financial difficulty, then getting out of it can seem like a daunting process, but there are things you can do to start improving your persoanl finances right away. Even if you don’t have financial problems, but are wondering about the best way to manage your finances effectively, there are various sources of information that can help. Some of the things on offer include:
These are all things that can help you to get out of debt and back on the road to financial security. Take ahold of your situation and start improving your personal finances today.
| ING Direct Instant Access Savings Account | 3.00% | |
| Hi Save 5 year Fixed Rate Bond | up to 4.40% | |
| 6 month, 1, 2, 3 and 4 year rates also available |
| Investec Guaranteed FTSE 100 Income Plan | See details | |
| 5 Year Capital Protected Structured Income Bond with an annual yield of 6.00%,a quarterly yield of 1.47% or a monthly yield of 0.48%. |
| High 5 Account - min deposit £25K+ | 3.13% | |
| Always pays the average of the five highest savings rates in the market |
| Skipton Building Society 2year Fixed Rate Bond | 3.89% | |
| Pays a return of 3.89% AER / 3.90% Gross. Fixed term until 28th July 2011 |
| Newcastle Building Society 2 year Fixed Rate Bond | 3.25% | |
| Pays a return of 3.25% Gross/AER, fixed term until 19th July 2011 |
| Hi Save 5 year Fixed Rate | 4.40% | |
| 6 month, 1, 2, 3, 4 and 5 year rates available 4.00 - 4.40% AER |
| Skipton Building Society 2 year Fixed Rate Bond | 3.89% | |
| Pays a return of 3.89% AER / 3.90% Gross. Fixed term until 28th July 2011 |
| Newcastle Building Society 2 year Fixed Rate Bond | 3.25% | |
| Pays a return of 3.25% Gross/AER, fixed term until 19th July 2011 |
| Skipton Building Society Guaranteed Double Asset Bond | See Details | |
| The Opportunity for Real Growth and 100% Capital Protection to Your Original Investment. No Capital Gains Tax. |
| Offshore Regular Saver - £100 per month minimum required | 4.00% | |
| to receive 4.0% you MUST save £100-£2000 by standing order every month for a 12 month period |
Only Available to Nationwide Flex-Account customers | Nationwide E Bond | up to 3.10% | |
| only available to Nationwide Flex Account holders. 6 month, 1, 2, 3 and 5 year options |
| ING Direct Savings Account | 3.00% | |
| Savings Account | 2.80% | |
| Internet Saver | 2.80% | |
| Lloyds TSB E Saver | 2.50% | |
| Direct Transfer Account | Up to 2.51% | |
| Tesco Internet Saver | 2.25% | |
| Barclays Wealth Regular Income Bond |  | 7.75% pa** | |
| 5 Year Structured Income Bond with an annual yield of 7.75% or quarterly at 0.63%. Can be used for ISA transfers & SIPP investment up to £500,000. |
| Investec Guranteed FTSE 100 Income Plan | | 6.40% pa*** | |
| 5 Year Capital Protected Structured Income Bond with an annual yield of 6.40%,a quarterly yield of 1.55% or a monthly yield of 0.5%. |
| Barclays Defined Returns Plan | | Click for Details | |
| This capital protected plan has a choice of investment terms of 3,4,or 5 years offering a maximum return of 43%. |
| Barclays Defined Returns (Annual Kick-Out 100) Plan | | Click for Details | |
| The 5 year Growth Plan offers an opportunity for attractive pre-defined returns at 10% a year. |
| Invesco Perpetual Corporate Bond ISA | | 6.77%* | |
| This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge. |
| Artemis Income ISA | | 5.40%* | |
| One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. |
*Current Income Yields are Gross, Variable & Not Guaranteed
**Historic Yield reflects distributions declared over the past 12 months as a percentage of the mid-market price of the fund as at March 2009.
Disclaimer (Please Read)
Please bear in mind that:
- Investment ISAs are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
- The list of funds provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on an “execution only” basis.
- Full details of the funds, including investment performance statistics and risk profile will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
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