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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…
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How many baskets do you put your eggs in?
I'm 64, single and retired, eligible for a deferred DB pension at the end of the year, and the state pension 12 months later (combined value circa £21k after tax). I recently opened a Vanguard account and have about £90k invested, mainly in the Lifestrategy funds (concentrated at the lower risk end). I am thinking of…
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UK based funds - brexit and onwards
I have have 10K in HL UK Growth funds since June 2019. I initially regretted this purchase as it dipped below my initial purchase cost and hovered around there for a long time. I told myself that as soon as it got a little above what I paid for it I would sell. Particularly as I have invested now around £40K in HL Global…
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Medium vs long-term savings and investments
Hello there! I am currently in the process of doing research into getting started with investing. For some context, I've purchased a property and I've built up a 6-month emergency fund so I would like to start putting away some money on a monthly basis into tracker funds and so on. However, I am a bit confused by all the…
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Premium Bonds
Hello, I was thinking of putting our savings ( appx £25k) into Premium Bonds, it's in a fixed rate bond at the moment, as interest rates are rubbish, and maybe I could get the odd win, my sister has won a fair few times, and though I am no mathametician, it seems like a reasonable return< I know their is luck involved, but…
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Savings for New Born
Hi All, My baby is now 6 months and we have around £300 from presents etc. My partner wants to put it into Premium Bonds, however, is there anything else that might be more suitable? I know options are not very good at the moment.
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S&S ISA Broker and FSCS
I've been looking into what to do with my current growing in size S&S ISA at Vanguard Investor and was considering if the likes Lloyds or Halifax made sense. One thing that picked my interest and a possible detractor is around FSCS protection. The write up at the end of this table…
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Invest and save or just save?
Hi, as a first time house buyer in the UK - I am in a predicament. I am 28 and have only just realized that financial independence is possible for someone from my background. I had no knowledge of finance or investing up until bout 6 months ago, and I have been researching ever since. Right now, I have an interest in…
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Investing a small regular amount
Hi, I am looking at starting to invest some money each month, to begin with I am only looking at between £25 - £50 per month, I have decided to go with the vanguard global all cap fund, but I'm stuck on which provider to use and I am getting a bit confused with all the different charging methods. I know HL will allow a…