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"The Save £12k in 2024" challenge
This is the new Challenge thread for savers in 2024. The challenge starts on 1 January 2024 and finishes on 31 December 2024. Please report monthly and I will record totals on a spreadsheet. Link below. https://docs.google.com/spreadsheets/d/1-frtVz3nhAXAKlcjM5zqNyiLfSopVsc_tPK9Y_r7jPM/edit?usp=sharing You can save £12k or…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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KENT RELIANCE EXPERIENCES
Hi, I'm looking at moving my savings to Kent Reliance from Santander as they are reducing there interest rate significantly. I have heard of Kent Reliance before but have always used high street banks. Has anybody any experience of having a savings account with Kent Reliance good or bad??
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Interest or dividend - which is best?
Which is a better way of topping up your living costs: Using the interest on your savings or Investing in something that pays a dividend. Assuming, for arguments sake, that both pay the same.
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"If I knew then what I know now" what would you invest in?
Title pretty much sums it up. I'd be really interested to know what people would invest in today if they knew then what they know now. I am sure i'll get a lot of Apple, Bitcoin etc answers but would you invest in something other than property etc? I see so may posts from very intelligent people (dragons etc) saying that…
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Vanguard FTSE Global All Cap Index versus VWRP
Looking to add to this year’s ISA and am trying to decide between the above funds. I want something that I can invest in and forget. Any thoughts appreciated.
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Fund with growth interest on SIPP
Hello MSE Forum. I am doing a bit of pension fund(s) housekeeping. I've identified a few funds that I plan to sell due to longer term strategy and higher fees on the funds (I use AJ Bell as my trade platform). The total of the funds I am selling is about £17k and I havent yet identified what I plan to purchase. Does anyone…
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The Top Easy Access Savings Discussion Area
This thread is specifically to discuss the Easy Access Savings article Which includes the new free Savings Calculator tool. To discuss or ask a question about this article: click reply
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Vanguard portal change, now doesn't give units or price per unit?
Just logged on this morning and the portal now no longer shows the number of units you hold or the value per unit, it just shows an overall value which is really not helpful if you hold multiple funds. Does anyone know where to find this info, without having to generate a portfolio valuation each time I want to update my…
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Compound Interest
Hi, I'm having a bit of trouble understanding how compound interest works, if anyone can help please! I've read other articles and watched loads of youtube videos but still slightly confused. I have a stocks and shares ISA with HL and invest £1000 monthly into Fidelity Index World (Class P - Accumulation). Using a compound…
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Maturing first direct regular saver disappeared from FD account list
Hi As per the title, my hubby's FD regular saver matures tomorrow [30th] but it has disappeared already from list of accounts. Is this normal? I didn't think it would disappear as such, just though it would change tomorrow from a regular saver to a standard saver. Has anyone else that has one maturing tomorrow checked…
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Regular Savings Accounts: The Best Currently Available List!
1. Introduction Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area…
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RCI Freedom Savings Account
Just received an email from RCI. They're updating their t & c's . Withdrawals will be faster see below for body of email received. We’re making some changes to our Freedom Savings Account Terms and Conditions. To be as transparent as possible about the changes we’ve made, here is a summary of the important change below:…
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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How to invest windfall for elderly father
Hi All My 82 year old dad has just come into a
windfall of approximately £500k. His aged uncle passed away recently and as he
had no children he left the bulk of his estate to my dad and his 3
cousins. Just some facts about my dad: * Widowed 5 years ago * Owns mortgage free house worth around £475,000. * Has £42,000 in…
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Birmingham Bank Has No Online Portal?
Hello all, I've just opened a fixed rate savings bond with Birmingham Bank. I made the first payment and received a confirmatory email and went to double check that online only to find that there is no facility to do this. This isn't a huge problem as I won't need regular access but I'm so surprise that this is still a…
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NatWest Shares?
Just been on to my Barclays app to pay someone and its saying that I might be able to buy NatWest shares soon, sign up for email updates, can't see any other info, anyone know anything else?. Also why is Barclays telling me about NatWest shares, so confused.🤔
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Santander Easy Access Saver - What to do with it?
What are peoples plans once the rate drops on this account on 20th May. Move the money out, obviously ;) But what of the account itself, especially if you opted for annual interest (Like i did) Will you leave a £ in and then just wait for the interest to be credited, at the anniversary (Sept for me), in the (vain) hope…
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Pension Planning for having too much pension.
Before everyone loses their marbles and shoots me down about having 'too much pension', here's the thing. I've used company pension payments over the course of 10-15 years to reduce corporation tax - using the maximum each year on two people to increase our private pensions and reduce our corporation tax. We have been…
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Trouble opening Zopa account
Zopa won't let me open an account - because I already have one! Many years ago I had a Zopa account, finished with it, thought it was closed. Now I want to open an ISA with Zopa. Went to register for an account, Zopa said I appear to already have an account, please log in, if you don't remember the password click…
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Is this normal? (Conister Bank savings account)
Hi, I opened a fixed rate savings account with Conister Bank. I also recently opened one with Skipton International. Compared to Skipton, Conister was quite a different process after opening. With Skipton i was able to set up online facilities so could see where my money was after depositing etc.…
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which investment website to buy paper gold or physical gold investment for learner study?
I want to learn investment myself, which website/platform is learner friendly and lower fee? I was using barclays bank for shares, but I stopped learn it after losing a couple hundreds pounds, it seemed the gold market is good for the furture?