M
moesymoe
Guest
Hi there,
Just looking for some basic financial advice. I've started looking into savings account options, and i've gotten a slight bit lost. Hopefully by outlining what I'm essentially looking for, you guys might have some suggestions.
1. I have about 3-4 grand sitting in a AIB online current account that I would like to put into a high interest 1-2 year savings plan, (or the best equivalent)
2. I would also like a regular contributions savings account as I will be able to put away 300-400 a month.
*Ideally I would like to have some control over how much I deposit each month(maybe more-800, maybe less-100) and would like to be able to do this online.
*I am not overly keen about having instant access to my funds, however I would not like to have zero option to withdraw if I needed to.
-Does a single account option exist that will allow me to deposit my lump sum(small) and also reward me for regular contributions?
From my brief investigations, I have seen the first active regular savings plan offers the best rate at the moment -7.15%
I have also seen that AIB are offering quite a decent online notice deposit 7 account -5%
-Should I be wary of either of these for any reason?
-Would it be wise to put my lump sum in AIB and also separately begin the regular saver with FA?
-Is there a better regular saver option that has more protection on the interest rate or how important a factor is that?
-Should I consider the Online Personal Savings Plan? I can't seem to get my head around it's good points and bad points.
Also, please let me know if there are any other important factors that I may be overlooking as all my information so far is on a first impression basis.
Apologies for the incoherence of the above post, I am just trying to get to know as much as I can.
All comments\advice\suggestions are hugely appreciated.
Just looking for some basic financial advice. I've started looking into savings account options, and i've gotten a slight bit lost. Hopefully by outlining what I'm essentially looking for, you guys might have some suggestions.
1. I have about 3-4 grand sitting in a AIB online current account that I would like to put into a high interest 1-2 year savings plan, (or the best equivalent)
2. I would also like a regular contributions savings account as I will be able to put away 300-400 a month.
*Ideally I would like to have some control over how much I deposit each month(maybe more-800, maybe less-100) and would like to be able to do this online.
*I am not overly keen about having instant access to my funds, however I would not like to have zero option to withdraw if I needed to.
-Does a single account option exist that will allow me to deposit my lump sum(small) and also reward me for regular contributions?
From my brief investigations, I have seen the first active regular savings plan offers the best rate at the moment -7.15%
I have also seen that AIB are offering quite a decent online notice deposit 7 account -5%
-Should I be wary of either of these for any reason?
-Would it be wise to put my lump sum in AIB and also separately begin the regular saver with FA?
-Is there a better regular saver option that has more protection on the interest rate or how important a factor is that?
-Should I consider the Online Personal Savings Plan? I can't seem to get my head around it's good points and bad points.
Also, please let me know if there are any other important factors that I may be overlooking as all my information so far is on a first impression basis.
Apologies for the incoherence of the above post, I am just trying to get to know as much as I can.
All comments\advice\suggestions are hugely appreciated.
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