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where to put savings with 123 acct
]I have a 123 santander acct with £20,000 in , gaining all the perks from direct debits ,utility bills etc. I have £5,000 + to put somewhere . I am thinking of santander e saver. Wondering what people would suggest.
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How accessible is the Cofunds platform?
Would appreciate advice from those in the know... Is there any way for an individual investor to directly place (qualifying) investment funds onto the Cofunds platform? Or must placement onto the Cofunds platform always be done by/through a financial advisor or intermediary? Some folk may have purchased funds directly from…
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Am i doing the right thing!!
Hi everyone. Needed some advice on my current situation and some reassurance I am doing the right thing. First a bit about my circumstances. I own a computer business that has been doing well and I have managed to build up a pot of savings and also a few houses on buy to let. We bought our dream house in Dec 2011 and did a…
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US Stocks
Hi everyone I am considering investing in US Stocks and have a few questions. Currently I have an ISA with Hargreaves Lansdowne, but think that their fee for buying/.selling US stocks is rather high. I am looking for a broker with much lower costs. One that seems quite good is Degiro. Anyone any experience with them?…
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Help to Buy ISA used as a Regular Saver?
Hi, I opened a regular saver last year with Santander (5% on upto 200 a month) and this is now the last month of the term (12 months). I'm looking to open a new regular saver and was reading about the Help to Buy ISAs, which seem similar to a Regular saver (saving regularly every month and decent interest rates). The…
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Best Savings accounts for Channel Island Residents
Hi all, Does anyone have any advice on top savings accounts if you are a resident in the Channel Islands? I have tried to open one of the Virgin Money E-Saver accounts, however I am unable to if I am a Channel Island resident, so not sure if there are any comparable accounts out there that I could apply for? I will…
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Foreign and Colonial name change!
As many on here will know, Foreign and Colonial is the oldest IT in the world - 150 years old this year. Now transpires they plan to change it's name! http://citywire.co.uk/investment-trust-insider/news/foreign-and-colonial-seeks-new-image-with-fandc-name-change/a1098758?ref=investment-trust-insider-latest-news-list Leave…
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VCT within ISA
I'm new to VCT's - wondering if it is possible to hold VCT within ISA? As both capital and dividend on VCT are tax free - for new money are there any advantages of investing via VCT? I was thinking of selling some investments within my existing ISA and subscribing to a couple of VCT offerings open currently and benefit…
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Tax
Morning all, I am just about to draw my pension and along with my wages will put me over the threshold of £45000 for the 40% tax. Will I pay 20% tax up to the £45000, then 40% on anything over £45000 or will I pay 40% on the lot from scratch.
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Halifax HTB ISA - Closing Statement
Does anyone know how long it takes for Halifax to issue the closing statement for a HTB ISA? I am looking to complete mid to late August, but hoping to squeeze in another payment on 1st August. Also, does the conveyancer require the original statement or would a scanned copy suffice?
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Cash ISA suggestions?
Hello fellow forum members, I hope I am following protocol when asking for this advice (I'm a newbie - be gentle:o) The information out there is quite overwhelming, but I wonder if anyone would be kind enough to give an opinion on what I should do with some money I have saved. Unfortunately, giving it to you is not an…
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1000 too small a sum to buy shares
I've got a couple of thousand shortly coming out of my ratesetter account once the bonus kicks in As this is in my high risk portion of my portfolio I'm considering what to do with it. Choices are 1) Put half of it in my ablrate p2p account in the portfolio loan. I'm thinking of opening a new ifisa with another provider in…
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No longer eligible for Help to Buy ISA - Where should I now put my savings?
Hello there, I have been putting money into a Help to Buy ISA every month, have just discovered that since I have recently inherited a third of my fathers property I am no longer classed as a first time buyer so cannot be accepted for the first time buyers scheme. Does anyone have any advice to what I should now do with my…
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How do I find an FA/IFA happy with an hourly rate?
I have drawn 20 diagrams outlining what I think are typical IHT minimisation and other financial planning moves. For example, one of them shows what I think is a good tax-efficient pension drawdown schedule for my small pension. Am I likely to find an FA prepared to quote a fixed price for spending an hour looking at each…
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Saving for grandchildren, but keeping control..
I have recently become a father for the first time and my parents would like to open a savings account for their grandson. My wife and I would like to keep control of this account so we can decide when he gets access to the money. What is the best type of account for these purposes? With a JISA the child automatically gets…
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Unsure if a HTB ISA is right for me?
I'm currently in the process of saving for a deposit, I have £3000 in a AA savings account and also paying in £300 p/m to my First Direct 5% savings account. My goal is to have saved as much as possible by June/July 2019 but this is not set in stone, it's just a target date. I've been looking into a HTB ISA (which I should…
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Investment trusts in FTSE indexes
Do people think it an anomaly that investment trusts such as SMT and Monks figure in the FTSE100/250 etc.? All kudos to them for their wily stock-picking, but they are just a collection of global shares and their presence in the FTSE does not reflect the businesses which make up the nuts and bolts of the British economy,…
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HICL infrastructure co ltd - sub shares
This is a first for me. Can someone help me decipher this, my understanding is that there is no expiry date. StockHICL INFRASTRUCTURE CO LTD Event TypeOpen Offer I'm presuming an exercise option returns the offered ordinary share for each sub share. What I'm less clear on is the default option, sub shares to lapse. That…
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Moving JISA complexity
Hi, I would like to move one of my children's JISA's from fidelity to interactive investor where I manage my other investments. What I'm trying to understand is that I have a regular investment in a fund which is now closed to new investors. I would like to retain the regular investment in this fund. By moving the JISA is…
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Short Terms Saving Advice
Hi, I am looking for some advice on short term savings We are moving house at the end of the month and buying a new build, we will have almost £400,000 of positive equity once mortgage is repaid and our new build not ready for about 3-4 months and we don't want that sort of money sitting around in our current account. Any…