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Trying to consolidate my S&S isa portfolio
Hi all,I am currently looking at consolidating all my S&S Isas,currently I am with Hargreaves,Fidelity & Skandia in total approx 120K. I have been looking at the HSBC global investment centre because I fancy a punt on the HSBC trackers,can anyone advise of any costs or pitfalls I would have transferring my portfolio,or…
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Is there a catch?
Hotel rooms and villas are being sold for a 'Resort and Spa' development in the Carribean. The deal offered is 50% or 100% ownership of a room. The room as a property is 'independently' valued at £100,000. 100% ownership can be purchased for £50,000 (50% discount on 'market value') or 50% ownership for £25,000. Taking the…
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Saving accounts
Hi all, hope I've posted in the right forum, I'm looking for some advice, what I'm planning to do is have my own house built, I intend to remain in my present house and move in on completion, so to finance the operation I will be cashing in my savings ie stocks and shares and various accounts, as the builder will want…
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Calling those with a "high" level of savings/investments! (£50,000+)
Obviously this £50,000 figure is not that high yet it is in my own humble opinion! Just curious as to all the different situations surrounding how you got there? How long it took you to get a decent amount saved/at what age? Paid down a chunk of my debts today by taking £2,000 out of salary and £3,000 out of my emergency…
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China Special Situation Fund - Fidelity UK
Any Fidelity UK China Special Situation Fund investors? OK, so I made a huge mistake but now... at least rising to 90. Was far too stressful over the past year since I had no idea that this was such a volatile market. Should I just sell now while my losses have not been too great - or wait for a bit now that they are…
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Understanding TER fees
Hi, I have a S&S ISA with Hargreaves Lansdown One question I thought I knew the answer to but then started second guessing is: When is the TER on each fund paid? H&L list my current gain/loss %, are the fees already accounted for in the fund and I don't get a separate bill at some point? Is this % Net or Gross? (I have 2…
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Are all S&S providers now RDR compliant?
I am thinking of transferring my S&S ISA to another provider with lower charges, but was wondering whether we should expect any more fee changes in the coming year or have they all now finished them.
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advice on this investment
My wife who is 53 cashed in some company shares where she works to invest for her retirement [pension pot] she does her own pension but this is a very small amount. We took advice on what to do with this money from their company bank Lloyds. She had £100000 to invest and did not want anything high risk. The advisor after…
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Any of you (especially recently) opened a Post Office saver?
Figured some of you might've done this to meet the upcoming Halifax £5/month requirements. Anyway, today received a letter through from PO which has the 6 digit security number on it. Letter says that i'll need this along with my DOB & my Online User ID to log in. I've no idea what my online user ID is. Don't ever remember…
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Foreign Exchange Fund
Hello: Is there a Unit Trust or ISA that is about trading foreign exchange? ie not equity and not government bonds but based on trading foreign currencies. Thank you.
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Next ISA Portfolio
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Warning: NatWest E-Saver (from October 2012)
Hello folks Just a quick word for those that took out the NatWest E-saver in October 2012 (it was an MSE best buy but was quickly over subscribed and removed) - CHECK YOUR ACCOUNT INTEREST RATE! I just checked my online bank account and saw the interest I received was low. I popped into the local branch of NatWest and…
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How to start an ISA for neice? Can they be 'locked'?
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Cash ISA & Shares ISA and moving abroad
What happens to cash ISA and shares ISA when we move abroad and ,if we donot return can we withdraw all the money without having to pay tax?
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Safe savings
I am in the fortunate position of having paid off my mortgage and, after expenses, I have c£3000 per month to save. I already pay into a pension each month. I'm risk averse so I'm not keen on risky investments on the stock market although low risk long term investments would be OK. I use my cash ISA allowance each year -…
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MSE News: Financial advice shake-up: what will you pay?
"A landmark shake-up takes effect today which will lead to most having to pay an upfront fee for investment advice..." Read the full story: Financial advice shake-up: what will you pay?
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Married couple - how best to save?
Hello, First post, so bear with me :) Hubby and I are saving as hard as possible to get a house deposit, after having to sell our last place (evil neighbour) and getting married in the meantime and using all savings to pay off debts. We are now debt-free but low on a house deposit yet! I've been reading about moving…
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where to put childs 2k+
Hi All, My daughter currently has an account with Santander with myself being the trustee and she has no access to the money unless I hand over the account. Its currently getting less than half a percent interest. I would like to know where would be best to put this money? I currently pay £80 per month into her account and…
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New:0% initial charge
From Artemis, about time, have the others scrapped the initial charge as well? http://www.artemisonline.co.uk/
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Savings ideas
Hello I have posted on this before a few months ago and got some good advice but since then interest rates have changed and I'm just wondering how to do things for the best now the reality is round the corner. I really need to get properly prepared... It looks as though I will be coming into approx £300k from a house sale…