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Hargreaves Landsdown to "update" their website
Nothing wrong with the current one as far as I can see but hey ho lots of folk have got to justify their salaries. http://www.hl.co.uk/about-us/hl-refresh Got a feeling that like most "improvements" this is going to be horrible. No doubt the website will be aimed at mobile devices - like the awful Fidelity upgrade.
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Managing my young son's inheritance
I've already posted about this on the Marriage, Relationships and Families forum. A respondent has suggested that it really belongs here. My wife died recently (we were separated), and my fifteen year old son will inherit a decent amount of money from her pension (60K+) and a share of the home he currently lives in (30K).…
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Sipp outlook
I admit I don't know much about sipp and I need to educate myself. However with ever increading retirement age is it possible that one day a government may turn around and say that sipp retirement age will not be 55 anymore but 62? hypothetically a jeremy corbyn gets in, squanders whatever little the treasury has for ten…
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Halifax Financial Services Personal Investment Pla
Hello All Post in regards to: Halifax Financial Services PIPs set up as Family Trusts in 2009. Brief background: My Mother has a cousin. Closest living relatives, grew up next door to each other, their mothers' were inseparable. Mum is 78, cousin is 83. Cousin is now very frail and he fairly recently moved to a care home…
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Savings account to pay regular bills
I know interest rates are low, but what's the best savings account to pay money into monthly by standing order for annual bills such as car tax, insurance etc and unexpected bills such as a problem with the boiler, so that I can draw on it when I need to without penalties. Thanks
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What Does a Hedged Fund Do?
I know what hedging is when I am talking about buying something in a foreign currency at a fixed point of time in the future (it effectively guarantees the exchange rate that I will get at a point in the future) but I am not sure about it when I am told it is applied to a fund that I might hold for many years & which has…
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De-risking equity portfolio..?
Hi all, I have quite a lot of money invested in shares and think i should start to slowly de-risk by selling at opportune moments and then buying into something else. The problem is, what should i be looking to buy into?
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23 and a 31k grad salary. My retirement plan.
Hello all, I'm a 23 year old working a 9-5(6) graduate job at a large UK telecommunications provider and I earn £31,000 per year. Yep that's my salary and I'm going to share with you my plan for retirement and would love to receive input on some questions I have set out below. Alongside my graduate job, I run and manage 3…
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Barclays Bond
Ive had a couple of bonds with barclays for atleast a decade. Ive had a letter from them asking for several identity documents (eg passport) and explaination of where the funds came from. Has anyone else been contacted? It feels really odd they are asking for such documents etc several years later. They are saying if this…
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Interest paid into separate account
Halfway through applying for Investec's one-year fixed- rate bond I was very disappointed to be given no option to have the interest paid into the account itself. This makes a significant difference to what you earn on the money right? Sorry if this question's a bit basic. I've searched everywhere and can't find the topic…
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Britannia Gold Coins. Cheapest way to buy and sell
My interest in buying and selling Gold Britannia coins is purely as an investment. Noticed that there are considerable differences in the buy and sell prices between the dealers. Cost of inducements such as free delivery, free insurance, payment using a credit card, etc will inevitably be factored into their prices. Are…
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Stocks and shares ISA/Company shares
Hello, I used to work for a company that went public whilst i was working there. They gifted all employees at the time with free shares. Unfortunately, after 2.5 years the company made me redundant however, thankfully i was able to retain my shares. I recently got a letter saying the company who manage the shares need a…
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Passive trackers
After my recent thread on active v passive funds, I would like to move half my portfolio into passive tracker funds(Which will be into a SIPP) I am not an expert so want something that is invest and forget. Other than the initial bulk transfer there will be a monthly drip as well. My horizon is 15 years and I am middle of…
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SIPP + Investment Options
Hello experts, I'm 35 and own my property with around 10k that I wish to do something with. I'm a low rate tax payer and because of a few health issues I will be taking some time out of work [living costs are covered from a separate source until I am back in work]. I would like to use some of the money I've saved over the…
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Calculating unused SIPP allowance
Hey, I have used this link to calculate my unused SIPP allowance, but there are 2 outstanding questions. http://www.hl.co.uk/pensions/interactive-calculators/carry-forward-annual-allowance-calculator 1. Since when and for what tax year is the £10,000 cap in place? 2. Does gross pension equal the amount that one can…
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ETF Comparison
I am trying to figure out the differences between the two funds listed below. The HSBC fund is cheaper but the other has performed better recently - I presume it is something to do with currency hedging?? but looking at the two I cant seem to see a confirmation of this - the underlying investments seem very similar. HSBC…
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Fund (my first) S&S ISA now, or wait a few days?
After reading and asking questions on this board over the past several weeks / months, I finally opted to open / fund a S&S ISA using VLS60. Last night I opened an account with iWeb and currently have 20k sitting there waiting for me to buy! Given the news I woke up to this morning, should I wait a couple of days or so to…
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Savings, Pension or Mortgage Overpayment?
Hi, I'd like the benefit of your collective wisdom please. My partner and I have recently moved home, taking out a new 26 year mortgage, and managed to clear all debts, other than the mortgage, in the process. After all bills have been paid and living expenses, including treats such as eating out occasionally etc, have…
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M&S Shareholder vouchers 2018
Have any M&S shareholders out there received their annual vouchers this year? I've not seen anything yet and thought they would have been sent out by now. Regards, L
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Taking money out of ISA for current account?
I opened a new Nationwide Flex Regular Saver (5%) late last year and so far I have transferred £500/month from an expired Nationwide Flex Regular Saver (something like 0.75%). The old saver account is now empty and I am thinking of transferring £500/month from a Nationwide Instant ISA Saver (also 0.75%) to the Flex Regular…