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Plum problems
Been happily using Plum for auto saving for several years. Save over £5k with no issues. I recently (22nd June) moved some money from one Plum account to another to then move to my current account. The money left plum account B and is showing in plum account A but has not cleared. I've contacted Plum 3 times now and each…
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Different dividend values for same Vanguard Acc on Fidelity/Trustnet websites
For GB00BD3RZ582 (Vanguard FTSE Global All Cap Index Acc GBP), I was looking at the dividend rates on Fidelity and Trustnet websites. Fidelity gives 2023: 3.2205, 2022: 3.0266. Trustnet gives: 2023: 3.202713, 2022: 3.031119. So, for 2023, even with rounding, one says 3.22, the other 3.20. The 2022 rates also differ (3.026…
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Investment query
Later this year I will come into an inheritance (around 250k). I'd really like to make this work for me to make the rest of my life more comfortable and I'm wondering what my options could be. I'm approaching 60 and I don't have much of a pension apart from state pension when the time comes, so in a way this will replace…
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Janus Henderson online ID verification
I have had ISAs invested with Janus Henderson for many years. Today I received a letter asking me to submit ID for verification - usual stuff, passport or driving licence plus address ID. One of the options was to do it online via a mobile app. I am not really into smart phones..... set up an online account on my desktop…
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Cash Isa Help
Hi Both my wife and I have 1year cash isa's maturing on 1-4-24, circa £50K in each. I would like to transfer this straight away to another provider who offers a good interest rate. Current providers follow on rate is poor Needs to be easy access, allows transfers in and be flexible. I've found one but I need to open with…
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Fidelity - fees and rebate tax
I have an investment account with Fidelity, with funds invested in Fidelity Index World Fund P-Inc. I'm trying to make sense of the transaction reports, and it seems I have a regular credit called "rebate" and debit called "rebate tax". This is separate to the dividends and interest, which I can see listed separately. I…
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S&P 500
Which platform should I use to start my investment journey? Are all platforms pretty much the same? Should I split funds into another index?
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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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Childrens savings
Any suggestions on where children's presents in terms of cash can be put to keep them safe for when child reaches 18. Regular saver not really appropriate as ad hoc times and amounts Not enough for a fixed rate savings account at least at start. Many years ago we used the Harpenden Building society account for under 18s…
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Latest date to sell shares for this years CGT allowance?
Hi, I'm considering selling £70K in my GIA and rebuying different shares in 24/25 tax year. I have around £6k since investing in Jan. (I'll be bed and isa'ing in future but my 24/25 ISA is already accounted for). Depending on what the market does and how long it takes to sell and rebuy I'm not sure it's the most effective…
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Confirmation of Payee - Santander refusing to send ISA sub to Virgin Money
Help! Santander said - "I have looked and it appears that the account you are attempting to send the payment to is not registered with confirmation of Payee so we were unable to verify that the payment was going into an account in your name. It appears this is the reason the transaction failed." It now looks as if I am…
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adding to a SIPP
After lots of research here I finally managed to get 15k into a SIPP with ii.- hsbc global strategy balanced. im considering either another lump sum in the new tax year or investing a regular amount. Question is should i keep adding to the same fund or look at other investments. I did think about investing into the hsbc…
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Help with investing £100k
Hi, I have a large sum of money that I need to invest, I'm risk adverse but would obviously like to make as much interest as possible. I went into my bank and spoke with a member of staff but came out more confused than I went in. I struggle to process financial information so am finding it difficult to decide where to…
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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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MBNA 1 year fixed rate savings account
So, just opened myself one of these at 5.27% for one year and was a bit surprised to see the account can only be managed by phone. No way of seeing your balance online and for some reason I'm reluctant to use it now. Seems irrational as the balance won't change until the interest is added after the 12 months but there is…
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£85,000 FCS Protection & Compounding....
Hey, I have a really silly question that I've hunted around and just can't find the answer on. We a few ISAs between me and my partner. Amounts in each vary between £20k to £75k and are funded by inheritance that we're slowly shifting from savings accounts into ISAs. As I've started to get to grips with the magic of…
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Minimising time out of market when switching investments
Hi all, The time has come to move my AJ Bell LISA investments into ETFs to cap the fees. There's about £16k in in HSBC FTSE All-World Index C Acc. Is there a recommended strategy to do this to minimise time out of the market? In one go or in dribs and drabs? I know when adding new money, putting a lump sum in terms to win…
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Premium Bond Question.
Can anyone cast any light on this? Back at the beginning of March, I received notification from NS and I, that I had won £100 on my premium bond holdings. £100 subsequently appeared in my current account. All fine. Today, I log on to on-line banking to pay a bill and notice that yesterday ie. 25/3/2024, a random £50 has…
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Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
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SSP for SIPP salary cap?
A quickie, I think. When calculating salary cap for SIPP contributions, does statutory sick pay count as salary income?