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Happy Xmas S&I!
Happy Xmas everyone. I hope everyone has a brilliant day even though it may not be very money savy, including you Whiteflag! :p :xmassmile:xmassmile MERRY XMAS:xmassmile:xmassmile
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Neptune Emerging Markets
Good evening! Just a quick question before go and veg in front of the tv, I've been looking at the Neptune Emerging Markets A Acc fund and it seems to have performed very well in its first year. The question is, is it worth an AMC of 1.75% - and their TER is 2.5% (capped by manager)! Just after any thoughts or opinions…
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Income Tax on Bonds
I have a mixture of Bonds and Equity Funds in a Portfolio, and which I hope to transfer some over into an ISA in April and wondered which should be prioritised for moving into the ISA. I don't draw an income from any of the investments, but have read somewhere that UK Bonds attract Income Tax, and therefore should be…
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£100 in 1964, what would that be now?
I found an old letter that my Mother in 1964 had to pay out £100 for something, I am curious to know how much of £100 of then would be worth in todays money of the equivalent? I am sure an expert out there would actually be able to even work this out? and if you can? can you tell me how you did it for my own future…
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Investment advice needed
Hi, I hope to be new to investing in the new year. I plan to start with an ISA of about £4000. I have been leaning and reading most posts and other sites and I keep hearing about objectives and objectives of funds and portfolios ect. With £4000 a guess I could open 4 funds but which sectors would be best for a novice. I…
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Where are the good deals
Hi there,I've noticed people on the forum talking about 6.5 up to 8% on savings accounts I'm looking to put a thousand a month away for a year does anybody know a good deal:j
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childrens regular saver - can i withdraw the money?
Can you ust clear sojmething up for me please... If I was to open a 1 year regular saver in my newborn childs name, e.g the 6% halifax regular saver, and i put in £50 per month for the 12 months, until it reverts to the lower rate savings account. Can I then withdraw this money plus interest out.??? or can i never touch…
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Minimum investments on Chartwell Cofund Funds?
I swapped some of my invesment last night from one fund into a number of funds.Only around £100 in each.I was hoping to then top them up over the next few months. What I cant work out id whether theres a minimum investment that I have to make in each,is this just for a new investment using new money.On H&L some of the…
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UK companies with overseas income?
Hi all. Well, I'm on the search for my next (potential) equity investments. I'm looking for LSE listed companies that have a high proportion of their income from outside the UK or America. On my list to-date are Standard Chartered and PZ Cussons. Anybody got any other suggestions I can start researching for my next…
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Where do I put it ?
Hi I was looking for some advice,I have just decided to start investing my money and have been to see a financial adviser,he was helpful in that he told me that it would be a good idea to invest in an investment ISA as I am prepared to take a medium to high risk plan.However the fund he chose for me had quite a high…
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Is money protected by the FSCS while in the middle of a BACS transfer?
Hi there, just wondering if money that is in the middle of a BACS transfer (i.e. when the money is not available to withdraw from the originating nor receiving account) is still protected by the FSCS?
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Why cant i find A+L 6% on comparison sites please?
Hello there! Please can anyone help me out? It may be because im a bit slow or maybe because i have only just got up but im confused!! :embarasse I have looked on the various comparison sites but im unable to find the A+L Premier Direct account that pays 6% of balances up to £2500 if you fund it with £500 minimum that i…
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New Years Investment
Hi I am thinking of investing in the following funds via HL at 25% each in January with initial investment and monthly payments.Blackrock UK Absolute Alpha , Cazenove UK Absolute target.Old Mutual UK dynamic and First State Greayer China,I am not adverse to risk any comments would be greatly received Merry Xmas
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Nationwide Windfall
http://www.thisismoney.co.uk/savings-and-banking/ask-an-expert/article.html?in_article_id=496233&in_page_id=111 In the highly unlikely event of the Nationwide demutualising,how much is the minimum you would have to keep in your account to benefit and receive a windfall. At the moment I`ve got a fiver with them mainly…
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SAvings account regular withdrawals
Can anyone recommend a savings account which allows regular withdrawals but with a good rate of interest? I am about to buy a car I have the money (about £14000) but the dealer has offered me an interest free loan over 2 years. I would need to take approximately £500 per month out of the account to service the loan (moving…
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Barclays monthly saver from last year 8% ?
I opened one last Jan so final payment due next Jan. I can't remember the rate, think it was 8% but not sure, can anyone confirm? Also it was fixed wasn't it? If anyone has kept screenshots I'd appreciate you letting me have a copy. I've got absolutely no documentation on this account, nor statements though I've spoken to…
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savings
Hi Im New To This Site Im Wondering If Anyone Can Help Me. My Mum has had savings in some place or another for ten years she has now with drawn this money and only got back what she put in My Mother has been told she will be taxed on this is there anyway she can avoid this tax payment. if anymore info is needed please let…
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changes to compensation limits when building societies merge
How come building societies that merge can just decide to give people only half the compensation that was available when they took out the original product? We're not allowed to change the Terms and Conditions when it suits us - but they are. That's what the Yorkshire and Chelsea building societies are choosing to do, and…
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savings/tax
Hi all, A couple of months ago i wrote to the tax office and informed them i would no longer be working in the Uk and not to send me any further tax return forms until/if i return to the Uk and to employment. I am currently touring europe doing voluntary work with no income. Before i left i put 15k into a lloyds esaver…
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IFA paperwork query - help needed!
Hi Not sure if this is the right board but I've got a quick query. Do I have the right to see my file from my IFA? They have 'advised' me regarding an investment which have failed badly. I only ever remember them saying how brilliant the investment was and they never mentioned any downsides. In fact I was the one that…
