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Trustee accounts
Hi, I am looking for some advice on trustee accounts. I am currently a trustee with 2 other adults and the money in trust is also for adults. We are wanting to move the money from where it is (financial advisor) and put it into a savings account, however, cant find a bank that does trustee accounts. I would like to know if…
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Youngish and inexperienced - How am I doing?
Hello all, 35 year old bloke wanting some opinions/feedback/criticism on my investments? I don't have any dependents at the moment so I can invest/pay debt a fair bit every month. My breakdown - Assets Total cash £7,000 S&S ISA (Vanguard FTSE Global Index fund) £22,000 Lifetime ISA (Vanguard FTSE Global Index fund) £22,000…
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Suggestions for trimming portfolio please
Hi I see several posts asking for suggestions on rationalising portfolios. Well, our self-managed portfolio has around 50 holdings(!!), spread across a SIPP, a personal pension, various ISAs and a bit of dealing. Obviously WAY too many!So, just thought I'd canvas some thoughts.Our objective is to eke out these investments…
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Investing in Whisky
I’m thinking of investing in Whisky, just buying a bottle a month instead of keep putting money into an ISA, heard there are good returns to be made as long as you resist temptation of drinking it!. Anyone do this successfully? Thanks
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How much is covered by uk government if Investment house goes bust
Hi, I've been searching for an answer to this for quite some time from investors and investment houses but and am given different answers so... I have quite a bit invested with an investment company which specifically sells its own products/ funds/ SIPPS. I have money in a stocks and shares ISA (Stocks and ETFs (Gilt and…
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Should I pay into AVCs or pay that money into my mortgage?
Hi all , I pay into voluntary contributions at work to boost my pension when I retire , but is it better to put the money towards mortgage instead ? Can anyone help me please .
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Gold coins
Does anyone have advice on investing in gold coins? I'm thinking of regularly buying one as a long term investment for my children instead of starting a savings plan or ISA.
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Cash ISAs vs mutual bonds
This discussion was created from comments split from: Regular Savings Accounts: The Best Currently Available List!.
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Temporary Childrens savings
Hi, I'm after some help please from anyone who knows the savings world better than I can hope to. Basically my two children will have £9k each as part of an inheritance and I want to be able to put it somewhere (short-term until it's added to the rest of their inheritance) which will earn them a good interest rate. The…
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Yet another critique my portfolio thread
I know there are many of these, but I, and I think, others find them endlessly interesting, so, here is my Critique My Portfolio thread( henceforth to be known as a CMP thread ) My SS ISA, been running since about 2012 and has gone through many evolutions as my ideas have changed. Out of a total pot of very low 6 figures =…
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Investing courses/training
Has anyone used any of the courses or training available on investing better? I’ve heard good things about the Million dollar traders course (from the TV show of the same name). Any reviews?
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Thoughts on current position and where to next?
New year resolution was to better track my NW, investments, salary etc so having now created an excel sheet, the below is a summary of my assets (home equity excluded). I’m 31 and hope to retire early (55) when I have no mortgage. All investments are to that end. VWRP 19.1%HSBC GLOBAL ALL WORLD 9.6% FUNDSMITH…
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iWeb - Worth getting in now?
Hey guys, I haven't formulated my investment strategy yet but it's top of my list for early 2021. It will 100% involve investing in some equities funds, almost certainly index trackers. Based on the cost hike of £100 vs £25 quid now is it worth signing up to iWeb now anyway? Even if I'm not sure I'd use it right away. I…
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M & G Corporate bond holding?
I would appreciate members views on holding the above fund. I purchased the fund in its accumulation form in 2001 at a cost of £7000-00, it's current price is approximately £21000-00, thus an increase of about 200% on my initial purchase. The fund is I believe one of the better corporate bond funds available and it has…
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The "Save 12k in 2020" Thread!
So, the title is pretty self explanatory, but this is the place to be in 2020 :D it's that time of year, again! In 2020, the aim is to save £12k (or, any other amount if you like) from 1st January 2020 til 31st December 2020. I know it's early, but it gives you the time to plan for how you are going to do it. Please…
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Interserve plc - Are the shares still valid
Interserve plc - Ineligible ISA Investment I got the above message from my ISA provider, just wondering what to do. I do still see Interserve vans and workers wearing their uniform, but I thought that they had gone bust. Are my 600+ shares worth anything?
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Morningstar style boxes
As we know, growth stocks have been in the ascendancy over
value stocks for several years. I want my portfolio tilted towards growth, but
not too far – should value come back into fashion I don’t want to radically
underperform the market, and I am willing to forego some growth-led gains in
order to achieve that. But how…
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Dire savings Vs mortgage overpayments
Hello. I think I decided that it will make more sense to me to repay my mortgage with the savings I have rather than invest in stock, shares or property. My mortgage will be up for renewal in October 2022 with 25 years left on it. I am currently overpaying monthly by £500 and projected balance next year in October would be…
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Choice of Investment company
Having recently retired I am looking to invest a large sum of money into an investment company. I am looking at either St James Place or Police Clubs Finance. It a big step and I want to get it right but having done my due diligence I’m still split between the two. Is there anyone with any personal knowledge of either…
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Approved vs non-approved share save scheme + capital gains tax
I wondered if there is any easy way to tell if a sharesave scheme was approved or not? I cant spot anything on any of the certificates unfortunately, but the company is a large multinational. I also wondered if i have read correctly somewhere, that shares purchased before 2003 (or sometime around then) are not liable for…