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Investment trusts in FTSE indexes
Do people think it an anomaly that investment trusts such as SMT and Monks figure in the FTSE100/250 etc.? All kudos to them for their wily stock-picking, but they are just a collection of global shares and their presence in the FTSE does not reflect the businesses which make up the nuts and bolts of the British economy,…
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HICL infrastructure co ltd - sub shares
This is a first for me. Can someone help me decipher this, my understanding is that there is no expiry date. StockHICL INFRASTRUCTURE CO LTD Event TypeOpen Offer I'm presuming an exercise option returns the offered ordinary share for each sub share. What I'm less clear on is the default option, sub shares to lapse. That…
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Moving JISA complexity
Hi, I would like to move one of my children's JISA's from fidelity to interactive investor where I manage my other investments. What I'm trying to understand is that I have a regular investment in a fund which is now closed to new investors. I would like to retain the regular investment in this fund. By moving the JISA is…
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Short Terms Saving Advice
Hi, I am looking for some advice on short term savings We are moving house at the end of the month and buying a new build, we will have almost £400,000 of positive equity once mortgage is repaid and our new build not ready for about 3-4 months and we don't want that sort of money sitting around in our current account. Any…
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Any teachers on here - Pension Advice needed...
So my wife is a teacher, she's 38 and been a teacher full time for about 10 years and been part time for another 3. Not sure if I will ever persuade her to go back full time.... I think the teachers pension is a good one however I think she has to work til like 68 to get the full benefit ? I plan on retiring from the…
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Masthaven
Has anyone had experience in dealing with them? Their fixed rate bonds are fairly competitive currently.
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Best way to invest £25/month?
Hi all, I am looking for some advice on the best way to invest £25 a month. I have looked into Robo advisers such as Nutmeg/Wealthify/Moneyfarm. I have also considered passive tracker funds. I'm just really confused on the best place to put my money, I know it's not a lot of money but I'm young (25) and feel it is best to…
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Capital Investment Bond or Stocks and Shares ISA?
I currently have savings (roughly the same amount in both) in both a capital investment bond and a stocks and shares ISA. The company that manage my ISA are strongly recommending that I cash in the bond and put the money into the ISA and an ISA feeder account. Is this good advice?
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Transferring an ISA
I am wanting to open and transfer money I have in an existing 1% Nationwide ISA to their new 1.4% ISA. Can you transfer the whole balance (35K) or just the 20k allowed per year? Also, will the interest I have already accrued in the existing ISA transfer over? Thanks
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Atom Bank rate reduction today.
Flipping typical:mad: My I year fixed rate at 2% is due to mature on the 9th of March. I had received a couple of reminders about this and I did know about this anyway as I kept an eye on the rates and was going to transfer the amount into their 1yr fixed rate of 1.95% as noted on their website and on this site. I did ring…
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NSI Growth Bonds, how many can I open?
I have around £4,000 to invest in a 3 year savings bond. NSI has the following 3 year bonds: Investment Guaranteed Growth Bond 2.20% gross/AER Issue 1 Maximum £3,000 Per Issue, per person Investment Guaranteed Growth Bond 1.95% gross/AER Issue 57 Maximum £1 million Per Issue, per person In the brochure it states: Can I buy…
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16 years old with little money knowledge
Hi there, I'm 16, almost 17 and I'm currently earning around £504/month and £105 of this is my outgoings. Leaving £399 spare. I currently have a TSB under 18's account in which all my money goes into and I am awful with money. When simply seeing something, I will automatically want it and most likely buy it. I seem to go…
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Holmesdale BS to merge with Skipton BS
Letter received this morning. Another minnow to bite the dust. Voting in July's Holmsdale AGM .. merger expected in October 2018. No further details in the letter. Interested parties can phone 0800 0499 946 or emali merger@the holmesdale.co.uk https://www.theholmesdale.co.uk/proposed-merger/
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Managing My Savings & The Best Accounts
I’m 19 years old and currently working full time in my gap year before going to university in September. Working full time has given me the chance to save quite a lot of money, however I am still using the same NatWest bank account that I opened when I was 11 years old. Some of you may be screaming because this is probably…
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Oops! ISA Mistake
So just got my new ISA from Nationwide opened today and for the first time I can see the account in my online banking. I immediately transferred in £500, then a few hours later I realised that I have another ISA with a different provider which I have deposited into this year, so I immediately transferred my £500 back out…
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Platforms vs Platforms
I'll be opening my investment platform account in the coming days and was wondering which platform had better customer support and hand holding. I was thinking of going either AJ Bell or HL. I'm not too worried about the platform fees to initially as I'm just starting out and will make the necessary changes later (I…
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Property or Finacial Assets
I'm sure we all know this and of course you should be invested in a balanced diversified portfolio of bonds, gilts, equities, cash and property to suit your risk profile. But to answer an age old question - property or financial assets? Most people today would say property - buy to let is (was) popular amongst most people…
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Investing during Brexit
Hello Looking for people's opinions on the following: The UK economy looks uncertain with Brexit, and London property prices drooping. I am currently planning and forming two stocks/bonds portfolios. One will be for income (58% UK shares/bonds) and the will be for growth (20% UK shares/bonds). Both portfolios will be…
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Child savings account for non resident infant
Has anyone found a UK bank that offers child savings account for non resident infant. I am from UK, now live in US. My baby was born in US to American father but we are applying for UK passport with British embassy. So he will have UK citizenship. He was given British pounds by family as a gift (I dont want to convert…
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Missed skipton lifetime ISA deadline. Any advice?
Hi, I’ve been really stupid and missed the deadline for transferring my Help to Buy isa to lifetime isa. Any helpful advice? Or do I just need to wait until next year and put an earlier reminder in my diary?