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Any pointers to how to design and manage a portfolio?
Hi. A question on portfolio management using Unit Trusts (in an ISA as it happens). So I've read that you need to diversify a portfolio to reduce the risk. I also understand that if you can choose funds that are independent of each other (ie have a low correlation relative to each other) you can keep the risk lower as…
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Hoodless & Brennan share dealing
Hi all, does anyone here have a Hoodless & Brennan share dealing account? MSE recommends it as the best share dealing service, i'm just wondering if anybody has any good / bad experiences. Can anyone tell me how easy it is to get your money out of your account? Say i do a bit of share dealing and then want to get some…
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HSBC January Sale - is there a catch?
Hi all, stop me and tell me I'm mad. I've got a fully paid up Mini Cash ISA (halifax), and a fair bit of cash in bank (hsbc, A&L) and building society (Halifax, C&G) accounts paying 5%+ interest. No mortgage, no CC debts. I don't own and stocks/shares, no Maxi ISA's and no Mini Stocks and shares ISA's. I got summonsed to…
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Advice please on Managed Income Fund
We would like some information on Managed Income Funds as we have been told if we invest £100,000 in this type of account we would earn approximatey £8,000 in interest pa. Has anyone done thas and if so is there any useful info you could share with us, Many thanks We went to the Halifax for advice...and she did rush…
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best intrest
does anyone know who has got the best intrest rates for a isa at the min im with alliance and leister but can anyone beat them ??
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Best way to save for £500 a Month
Hi All, Just looking for a few ideas on how best to save my money, at the moment my salary goes into my current account £2500ish and i just put 500 quid away a month into an ing savings account, i was wondering if this was better elsewhere as i never touch the money and am reasonably well paid 55k+. I also have a sharesave…
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Help - House of Fraser Shares???
Can anyone help please? I had some H of F shares and then heard the company had been sold. After posting here to see what had happened I awaited a letter from H of F but have never received one - how do I get my money back????
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Building Society Accounts
Hi Guys, I have a small amount of money (£35 ish) in a Saffron Building Society Account, i have had an account with them for roughly 12 years. Do you think its worth keeping the money in there or is there no chance they will change to a bank? Thanks Kris
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Old Model V’s New Model Advisor.
Can someone please advise / explain what the difference is with regards these two types of advisors. If it is purely their charging structure and if so could you please advise what the differences are in costs & % charged normally? Do they deal with the same products and provide the same services. What are the good and bad…
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the new NS & I offer
http://www.nsandi.com/products/ilsc/index.jsp Its the index savings offer I have been considering this as I can free up 2k fomr a savings account to transfer especially if it means more interest and no tax. Has anyone else joined onto this? currently I have 2 isa's a savings account with icici so am trying to keep the…
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Dollar Account
Hi, this is my first post and I would really value your help. My Sharesave scheme has recently matured and I now own approx $50,000 worth of shares which are currently held in a Halifax nominee account. If I sell now, Halifax will automatically pay me in sterling but I would prefer to keep the proceeds of the shares in…
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Save or pay off mortgage
We currently have £90,000 in a Cahoot savings account, which gains about £320 per month interest. However we also have a mortgage with the Furness BS of £104,000. Paying interest of 5.39% I have a sneaky feeling that I am no longer better off saving this money, but I am better off paying my mortgage (or a percentage of it)…
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Egg/Prudential shares?
For various reasons, I completely missed the Prudential buy-back offer for Egg shares, and having still got the ones I bought when they were first floated, wondered if there is still anything I can do with them? Selling, I believe is out, but I'm hoping I can still get either Pru shares in exchange, or if the current sale…
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Tax free saving account for £12k?
Hi there, Im a complete newbie to savings and i have sold my car and would like to put the money in a savings account for a year, but im being told by some people that the money will be taxed if i do this. is there anyway i can put this money somewhere where it can gain a little interest over 8-12 months? i dont want to…
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Providing bridging loans for building schemes
Friend of mine was telling me a few weeks ago how he has put every penny of his savings and taken further mortgage borrowings to provide secured bridging loans to people on self build schemes as it returns an unbeatable return of 10% per month. Is this true, if so how does it work and how safe is it?
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Nationwide Reg Saver - up to 6.25%
Hello all Saw this on the nationwide website - although this rate can be better elsewhere, think this could be a cracker as it does not say there is a maximum term, so could get some good compounding for a few years. It says it will be .25% above base rate until 1 Jan 2010. This sounds fab - have I missed…
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Keep PEP Fund or Top up mortgage ?
Hello , I have a got Gartmore European Selected Opportunities Fund which is currently £11k this has grown from £6k I opened in 1999, the market report is the performance has improved on this particular fund. I also have a 10 year Woolwich Part Repayment/Interest Mortgage of £68k of which im paying off on a rate 5.29% I can…
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Scarborough BS MySavings account rate increased to 6.30%
Scarborough BS will increase the rate on their MySavings regular saver account (& ISA) by just 0.05%, from 6.25% to 6.30%, effective from the 1st February 2007. The new rate now appears on the Moneyfacts website, here.
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Northern Rock Silver Savings Online rate increase (but not until 10/2)
According to Moneyfacts, Northern Rock is increasing the rate on its Silver Savings Online account from 5.46% AER to 5.70% AER - but not until 10/2! See here.
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What to do with 100k?
Hello there... House no. 1 is about to go on the market and we anticipate getting at least 100k for it. House no. 2 has a £150k mortgage with a 3 year lock-in period. What is the best thing to do with the anticipated £100k from our house sale, so that it will pay off as much of our mortgage as possible when we come out of…
