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Cash ISA suggestions?
Hello fellow forum members, I hope I am following protocol when asking for this advice (I'm a newbie - be gentle:o) The information out there is quite overwhelming, but I wonder if anyone would be kind enough to give an opinion on what I should do with some money I have saved. Unfortunately, giving it to you is not an…
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1000 too small a sum to buy shares
I've got a couple of thousand shortly coming out of my ratesetter account once the bonus kicks in As this is in my high risk portion of my portfolio I'm considering what to do with it. Choices are 1) Put half of it in my ablrate p2p account in the portfolio loan. I'm thinking of opening a new ifisa with another provider in…
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No longer eligible for Help to Buy ISA - Where should I now put my savings?
Hello there, I have been putting money into a Help to Buy ISA every month, have just discovered that since I have recently inherited a third of my fathers property I am no longer classed as a first time buyer so cannot be accepted for the first time buyers scheme. Does anyone have any advice to what I should now do with my…
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How do I find an FA/IFA happy with an hourly rate?
I have drawn 20 diagrams outlining what I think are typical IHT minimisation and other financial planning moves. For example, one of them shows what I think is a good tax-efficient pension drawdown schedule for my small pension. Am I likely to find an FA prepared to quote a fixed price for spending an hour looking at each…
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Saving for grandchildren, but keeping control..
I have recently become a father for the first time and my parents would like to open a savings account for their grandson. My wife and I would like to keep control of this account so we can decide when he gets access to the money. What is the best type of account for these purposes? With a JISA the child automatically gets…
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Unsure if a HTB ISA is right for me?
I'm currently in the process of saving for a deposit, I have £3000 in a AA savings account and also paying in £300 p/m to my First Direct 5% savings account. My goal is to have saved as much as possible by June/July 2019 but this is not set in stone, it's just a target date. I've been looking into a HTB ISA (which I should…
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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…