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How much do you keep on any single platform?
I'm at that point where platform fees matter and are visible and noticable. I have a GIA account with IWeb with £150K in it and I would be a few hundred a year better off in fees by moving the £200K I have in a Vanguard ISA across to IWeb. I also bank with Lloyds and I know Lloyds Banking Group own IWeb. I know some people…
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Pay off mortgage or invest?
Hi Probably an age old question! I have been saving like mad as my fixed rate ends in September 25, and have about £17k saved, and will have about £33k by then I was planning on about £8k as part of a new car, £20k on mortgage, but now not too sure House is worth approx £165, and will owe £100k by next september
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Pension Advisor fees
Hi, I wonder if someone could tell me if these fees are sensible please?I'm hoping to retire in a few years and have various pensions most of which are dornmant now. I wanted an advisor to tell me when I could retire and whats best to do with my current pensions.An advisor was recommended and hes prepared a report for a…
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Savings Greater Than FSCS Limit
Currently I have savings in eight different
banks/building societies, four of which I’m either just above (9k) or on the
border of the FSCS of £85k, some will go over the limit when interest is paid
in the next financial year. A total of 14 accounts in all. I’ve made maximum
use of ISAs. My wife’s savings are the same. I’m…
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Al Ryan Bank
Did anyone else take Martins tip to invest in the 3 year fix from Al Ryan? I understood it didn't promise a base interest but the promise of a bonus at the end of the term? Mine has just matured, £5k over 3 years has just returned £127! No bonus... Just interested to know if I have missed a trick, i.e. do I need to claim a…
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Beware AJ Bell dragging their feet on SIPP and S&S ISA transfer causing massive interest loss
AJ Bell took 21 days to transfer out my S&S ISA which was cash only. AJ Bell has still not transferred out the cash in my SIPP 13 days after the shares have been transferred out. AJ Bell stop paying interest upon receipt of the transfer out request. This is clear, it is in the terms:…
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Businesses banking interest?
Bit of a broad and general question which of course will have many different answers...but where do businesses who do OK keep stacks of money and improve on next to 0% interest on the standard business current accounts?
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Best Saving Accounts for Kids
Just looking for some advise on the best bank/savings accounts to open for my kids, my son aged 7 and daughter 2 The 7 year old had a bank account opened when he was born by my wife that his grandparents will have been putting money into on birthdays, but it will just be a basic low interest account. My 2 year old hasn't…
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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how to use 20k isa allowance
not sure whether to open a virgin cash isa @5.06 or t212/freetrade and invest in index funds. any thoughts?
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Ratio of Equities, Bonds, Cash?
Wondered what kind of ratio you folks have for the above 3 assets, including index funds/global trackers, multi asset funds of equities/bonds and fixed term cash accounts. Interested to hear from people of all ages, including those who are still working, in the accumulation stage and retirees in the 65+ age group. Do you…
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Bad experiences with Cynergy bank app
This is just a heads-up to anyone considering opening a Cynergy bank account (currently featured in the top Savings Accounts listings), to say you might want to check other users' experiences before doing so. In my case it ended in a frustrating, bad experience and me abandoning my newly-created account in favour of a…
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Vanguard verification text
Hi All, First time trying to log in with a verification code. No text coming through - anyone else having the same problem?
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BoS monthly saver, when can I open another account?
I have a BoS monthly saver paying £250 a month for one year opened on the 24th March 2023.paying 5.5% APR. I paid in the last £250 on 24th Feb 2024 and it will revert to a regular savings account on 24th March 2024 when the interest will plummet. Will I have to wait until 25th March 2024 to open a new monthly saver account…
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Gemini discussion group
Hi, i noticed I had been added to "Gemini discussion group", by someone not on my contact list, anyone shed any light on this? Tia
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Corporate Sponsored Nominee Accounts
Due to flotations etc over the years I have got small shareholdings in the likes of Santander, Iberdrola etc held by Equiniti. However, given the relative low value , Equiniti charges a relatively high fee to sell them and their website seems to imply that I have to use them if I want to dispose of the share. Are their any…
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Bond fund price movements
Hopefully on the basis that there is no such thing as a
stupid question… what affects the price of bond funds? Obviously yield, defaults and duration/interest rate sensitivity,
but if a fund significantly outperforms its sector what else is happening? Has the manager identified bonds with good yields where the
risk of…
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Coventry Building Society Loyalty Regular Saver
6.75%, £250 max deposit a month, available to people that have been with Coventry since January 2023 or earlier. Would post link but can't as I'm still a newbie😁
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Secure Trust Bank Access Account (Withdrawn)
Was looking at opening this account as a back up to my other 5% easy access accounts! I have a couple that are dropping their rates in Apr/May. It was still available last night, (Fri 15) but now seems to have been temporarily withdrawn! The website is only showing their Fix Rate ISAs, both Access Account and Notice…
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Childs bank account / saving
My daughter has a 16 month old and is wanting to open a bank account or some kind of savings thing for him. Back in my day, over 40 years ago, things were a lot different and you just had a bank book. A lot has changed and there are so many options, but one thing she does want is for any money she pays in, to be "tied up"…