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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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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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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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VOTE now! Proposed take over of Virgin Money - Nationwide members should be given a vote
I'm really unhappy about Nationwide management running roughshod over their members (we the customers own the building society as it's a mutual), trying to push through a deal to buy Virgin Money. My quick take: * Nationwide management have proposed a takeover of Virgin Money * Terms of the deal have been agreed, but it is…
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Small amounts in Regular/Monthy savers
Hello, Is it worth the effort to open a Regular saver account if you are not going for the max limit it allows? I'm not awash with savings but like the concept of these accounts but are they worth applying for?
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Global Bond Index Fund
Hi, Is anyone invested in the Vanguard Gloabl Bond Index for income purposes? I am struggling to find info on the dividen percentage performance. How has the fund performed for you?
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Halifax ISA Investor
Halifax ISA Investor provided by Scottish Widows. Has anyone use this product before? I am looking at reviewing my investment and saving with a view for putting money away for X number of years each month. Has anyone any experience of ISA Investor and any of its eligible funds? Just for now scoping options..I am also…
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How to find original share prices for CGT
Hi, My dad bought some shares in my name many decades ago. He originally had them as paper certificates, then a couple of different online portals, and now in Fidelity. He has passed them over to me to take control. I want to sell them and get the funds into my ISA (possibly re-buy the same shares again if i think they…
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CMC invest transfer cashback
Hi Had a email from the above offering 1000 pounds cashback for transfers of 100k into their app based plans . Must be held for 12 months and I can't see any charges for its basic plan. Not sure on range of etfs or tracker funds on there so what's the catch seems easy way to get a nice bonus. Anybody using these ?
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Big banks 'ignoring' the new isa 2024 rules , does it matter?
https://www-thisismoney-co-uk.cdn.ampproject.org/v/s/www.thisismoney.co.uk/money/saving/article-13316161/amp/Big-banks-ignoring-new-rules-let-savers-open-one-Isa-year.html?amp_gsa=1&_js_v=a9&usqp=mq331AQGsAEggAID#amp_tf=From…
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Aviva Long Gilt S^ fund
Hi, I am no pension or investment expert but I'll to to explain... I have a pension fund with Aviba based on a "lifestage" approach to investment./ Basically that means that, as iI approach retirement age, Aviva will "automatically" (their word) invest in less risky funds to protect my pension. there is a bit more detail…
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BEWARE : Post office easy access savings account recommended by MSE
Tried to open but apparently there is a problem verifying my linked bank account even though I have had the same bank for many years. Luckily I only transferred a £1 to the account details I was given. I phoned up to query and been told I have to post a recent bank statement with all personal details . Do not trust post…
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p2pindependentforum.com
Anyone tried to logon to this site today? I've just tried to access the site and get nothing but the message "You have been banned from this forum."
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Saving and Pension Planning Checkpoint.
Hi all, I am would like to have sufficient savings later in life for retirement, potential options to retire earlier if it was required and be able to help support my kids with first home etc. Below is a quick summary and outline of financial position. Wondered if it was an ok position for my age etc and circumstances etc.…
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CGT Liability on Sale of French Property
My Parents owned a holiday cottage in France for 35-years which was sold last year when my mum died. There was no CGT due in France and in accordance with French inheritance law the proceeds of the sale were spilt 50:50 between my dad and mother’s estate. My mother estate was then split equally between my dad, me and my…
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YBS Savings Accounts
Anyone know/understand why YBS let you get accounts but stop you from depositing until they complete checks? (Even if you already with them?). Like applied for a 5.75% one earlier, shows account details in app. Trying to get my head around why they would give me the account if they need to do checks.
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Finalising my Power of Attorney(s)
I hope no-one minds too much that I'm posting on this board. It's the one I'm most familiar with, and when I search I've found that LPAs pop up on many different ones anyway. I decided to prepare both types - Finance and Health - for the 3 people in my household, so 6 in all. Spouse and myself, plus adult child, all with…
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Want to sell certificated shares
Want to sell some certificated shares and seems cheapest way is to avoid the banks and Equiniti. If I send the certificates by post to a broker should I send them registered post? Any recommendations as to who to use much appreciated.
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NS&I Index Linked Savings Certificates - Renew or Possible Alternatives?
Have some NS&I Linked savings certificates coming up for renewal next month. I would have renewed but found out you now can't withdraw them until the fixed term ends. I might need to access that money before the new term would end, so this is a concern. Any suggestions what I could do with the money if I choose not to…
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Interest On Multi Year Fixed Term Savings Accounts
Hello. This might be a stupid question and I apologise if so. My question is - are there such things as multi year fixed term savings accounts that add interest only on maturity and not in any intervening years? Such accounts would help me spread my savings interest across the years and reduce my tax liability in relation…
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Onshore investment bonds - rationale...
I posted this on another thread earlier but as the title was just 'investments', I suspect it might get lost in the noise... I'm curious about onshore IBs attractiveness, even with reduced CGT thresholds. Given the 5% annual withdrawal limit to stay free of income tax - unless you're investing a large 6 figure sum (or…