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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…
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Jeremy Grantham’s Bubble Predictions
I'm wondering what you guys make of these articles from Jeremy Grantham regarding a bubble.. https://www.theguardian.com/business/nils-pratley-on-finance/2021/jan/06/veteran-investor-stock-market-jeremy-grantham-epic-bubble-wall-street https://www.theguardian.com/business/2021/jan/06/ftse-100-stock-market-bubble-risk I…
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can not post cheques to new virgin account.
I Have the new virgin current account all up and running. but I have no postal address to send cheques or correspondence to. with my old account (tsb) I could put stuff in the post and with in 48 hrs they would acknowledge receipt of it. now it seems I have to go to the post office counter, wait in the que,get the teller…
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Bail on LISA or keep?
Would love any thoughts or advice on this! I opened a LISA just over a year ago (mostly just in case they were withdrawn to give myself the option). There is only about £400 in it at present (including the bonus). With the pandemic meaning that the rules have changed and there is a window till April to withdraw penalty…
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Close Brothers Asset Management login problems?
Good morning everyone, I just please wonder whether anyone else is having problems logging into CB this morning? It just says my details aren't recognized! I went through the password change process, even a username reminder, and it is still saying my details aren't recognized and now I'm locked out of my account. Thanks!
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The Price Report
Does anyone use this? It's a premium service from Moneyweek magazine. Any opinions? Thanks V
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Save-as-you earn employee Share scheme; tax?
My son has been contributing to his companies save-as-you
earn employee Share scheme for a couple of years. The scheme matures just before the end of this tax year and the
expected ‘gain’ is approx £2500. This tax year he’ll have about £800 savings interest but no other income from other shares etc except the anticipated…
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I Web live share prices
I notice when trying to buy investment trusts that when I track the share price on Google versus I Web that they are almost perfectly in sync until certain dips occur on Google that are simply not reflected on I Web. How come? I was looking at JCGI. All in sync, then a couple of dips from 777.some pence to 775 and 774... I…
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Vanguard US 500 stock index - no sterling option?
Hi. There are dollar and euro options for this fund but no £ option. Would like to invest in this but not keen on going through currency conversion. Should I just invest or wait for a £ version? Thanks
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Vanguard ETF quarterly distributions expected April 2021
Beware, the April dividend is in the wrong tax year (unless I've completely misread something). The distribution date is 31/3/21, compared with 8/4/20 and 10/4/19. So I will have FIVE quarterly dividends in 2020/21 tax year !!This could be awkward for people pushing up against tax band boundaries. And it could affect the…
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Halifax Additional Permitted Subscription(s) (APS) ISA(s)
Hi All Not been here for a while. What I want to talk about is a bit difficult as, it is related to my late Wife's 2 x FRISAs with the Halifax. I seem to have hit a problem with the Halifax which I want to share with anyone else who is recently bereaved and their spouse had ISAs with the Halifax. In principle, the 2 FRISAs…
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Head spinning pickle
Hello and thanks for reading my long post. In a nutshell, got long and short term aims with £42k. Have only ever had bank savings accounts but have realised recently that there is abit too much lying about. I am especially going back and forth with up to half of it £21k….
invest in S&S ISA or SIPP, put more in workplace…
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Trimming my portfolio & adding wealth preservation funds?
The largest holdings in my portfolio currently are HSBC Global Balanced at around £59k & Vanguard LS 60 at around £77k. I also have a further £50k+ invested across 10 other active funds. Some of my smaller holdings have done very well indeed of late, but as I'm retired I'm wondering if I should start to think of a wealth…