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The Price Report
Does anyone use this? It's a premium service from Moneyweek magazine. Any opinions? Thanks V
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Save-as-you earn employee Share scheme; tax?
My son has been contributing to his companies save-as-you
earn employee Share scheme for a couple of years. The scheme matures just before the end of this tax year and the
expected ‘gain’ is approx £2500. This tax year he’ll have about £800 savings interest but no other income from other shares etc except the anticipated…
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I Web live share prices
I notice when trying to buy investment trusts that when I track the share price on Google versus I Web that they are almost perfectly in sync until certain dips occur on Google that are simply not reflected on I Web. How come? I was looking at JCGI. All in sync, then a couple of dips from 777.some pence to 775 and 774... I…
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Vanguard US 500 stock index - no sterling option?
Hi. There are dollar and euro options for this fund but no £ option. Would like to invest in this but not keen on going through currency conversion. Should I just invest or wait for a £ version? Thanks
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Vanguard ETF quarterly distributions expected April 2021
Beware, the April dividend is in the wrong tax year (unless I've completely misread something). The distribution date is 31/3/21, compared with 8/4/20 and 10/4/19. So I will have FIVE quarterly dividends in 2020/21 tax year !!This could be awkward for people pushing up against tax band boundaries. And it could affect the…
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Halifax Additional Permitted Subscription(s) (APS) ISA(s)
Hi All Not been here for a while. What I want to talk about is a bit difficult as, it is related to my late Wife's 2 x FRISAs with the Halifax. I seem to have hit a problem with the Halifax which I want to share with anyone else who is recently bereaved and their spouse had ISAs with the Halifax. In principle, the 2 FRISAs…
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Head spinning pickle
Hello and thanks for reading my long post. In a nutshell, got long and short term aims with £42k. Have only ever had bank savings accounts but have realised recently that there is abit too much lying about. I am especially going back and forth with up to half of it £21k….
invest in S&S ISA or SIPP, put more in workplace…
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Trimming my portfolio & adding wealth preservation funds?
The largest holdings in my portfolio currently are HSBC Global Balanced at around £59k & Vanguard LS 60 at around £77k. I also have a further £50k+ invested across 10 other active funds. Some of my smaller holdings have done very well indeed of late, but as I'm retired I'm wondering if I should start to think of a wealth…
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Switching
Hi i have a current account with Santander 123. Rate has just been cut so wondering whether to switch to an account like virgin? I’m hoping to get a mortgage in 2 years so will switching at this stage look bad for me? Also I have 2 accounts for my children with Santander. Should I leave those and if not how easy is it to…
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Baillie Gifford - have you missed the boat?
Investors who held global or American Baillie Gifford funds
during the last year will be congratulating themselves. Those (of us) who didn't
may be wondering if we have missed the boat. My own take is that given the last year brought forward the
speed of growth of technological stocks, it demonstrated that BG invested…
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Global Tracker - Methodology and questions
Hey guys, I have selected what I think is the most appropriate global
tracker for me, however, I’d appreciate some input on my selection criteria,
which is heavily influenced by Monevator. I’ve also got some questions on this
methodology. TLDR: I chose this fund: HSCB FTSE All World Index Fund. Questions: 1. Any flaws in…
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50000
Hi I got 50000 I want to invest to get some gains back what do you recommend thanks
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Best place for an Emergency fund
Trying to build up an Emergency fund of £1,000, currently have £600,00 thanks to a tax rebate and a bit I have managed to save up. On a low income, so can save £100 or a tad more per month, working on £25/£30 a week. I get paid weekly I noticed today my Halifax reg saver 2% has ran out and cannot seem to work out what…
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Savings capital vs interest-advice needed
I've invested some spare funds into an eToro account (copying the most established investors) and have also been topping up monthly for about 6 months. Currently I'm hovering close to 10% interest in total, obviously it's very changeable based on the nature of the platform. This is already up to 10x what I'd get from any…
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Has anyone managed to get through to NS&I recently?
I've been trying to call them for days on end. They've got some of my money stuck in a 'pending' state, it's been like that for two months. I need that money soon for a house purchase! I have no idea how else to contact them other than by phone, which they never answer.
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Learning about Stocks & Shares
Hi All, I'm reasonably good with managing my finances (always room for improvement), however, I know little to nothing about S&S's. My 2021 resolution has been to learn about S&S's and I have a few weeks off work, where do I start? I'm also keen to dip my toe into the pool so I'm eager to know how to do this. Any…
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Hedge funds
I have limited to zero knowledge of these. I understand that high net worth individuals will pay significant annual percentages of their investment to the hedge fund manager (2-3%), and you need a very high amount to be able to enter. Meanwhile, for more regular investors, it is very common on here to argue that they are…
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Alternatives to Morningstar X-ray ....?
I and my wife have investments spanning about a dozen wrappers: SIPPs, personal pensions ISAs, dealing accounts etc. Some, eg AJ Bell, provide a view across the assets in any one account, but even that's not that useful when between us we have 5 accounts with them. If I want to see the asset allocation of our entire…
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Interactive Investor transfer from Trading account to SIPP - net or gross?
I have just made a transfer from my ii Trading account to SIPP and it did not ask me - as it does when paying in cash from my bank - whether it is a net or gross payments, ie whether they should claim basic rate tax from HMRC. Does anyone have experience of how this contribution is treated? I have emailed a secure message…
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LISA payments
Hi, I’d just like to confirm the following please. I paid £2k into my LISA earlier in the tax year with Moneybox. I’ve since transferred this LISA to a S&S LISA on the AJ Bell platform. Am I ok to pay the remaining £2k of my allowance into it without falling foul of any rules? Thanks DH