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Risk profiling for new portfolio
I have a lump sum to invest and I'm planning to start S&S ISAs for myself and my spouse, investing £5100 each this tax year and a further £10680 each in the next tax year. (We already have £20,000 each in cash ISAs). So, I'd like to build two portfolios of funds, one for myself and one for my OH. I think it would be…
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confusion about Cambridge BS fixed rate ISA reserve accounts
I have a ISA about to come out of its good interest rate so started to have a look around for a new one. I had a look on moneysupermarket and it came up with two Cambridge BS Fixed rate bonds - ISA reserve account 1 at 6.16% and reserve account 2 at 5.11% but there aren't more details. But there is no link to the banks…
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Diversification ideas/help
Hi, Before I go to an IFA, i was wondering whether anyone had any good diversification ideas. I currently have 31% in property, 48% cash, 18% in shares and 3% in NSI bonds (I know I know) I do not currently have ANY intention of increasing my property portfolio. I intend to increase my shares portfolio but not by a huge…
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Joint account with family.
I'd like to open a joint account with my daughter so that she'd have immediate access to funeral funds if I died. Are there any rules preventing this?
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More outrageous behaviour from Santander.
I am not surprised at all reading the various examples of bad service from Santander. I dont know whether they have imported a different style of customer service to the UK, but in my experience they are outrageous and sail as close as they can get to being charlatans and spivs. I hope that at some point the ombudsman…
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which money supermarkets
Ex has about £100K to invest. I have always had to see to the money side of things and nothing has changed!! He is in his 70s, basic tax payer, small pension and some investments. I am suggesting to him maximum ISAs each year, and otherwise tracker funds. Any other suggestions would be appreciated, and I am wondering…
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is this legal ?
My 2 children had some money left to them in a will. Therefore the executor wrote 2 checks for them from an executor's account. So, i pay the checks into their accounts at the Holmesdale Building Society. Several days pass and the checks are returned to me and I am told that they are "not signed in accordance with mandate"…
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what does drawdown mean?
I am looking at a certain company ( not to invest in...lol..) and the info i have found says its got x amount ot drawdown, and a certain shareholder has got 22.50% of the company's 'enlarged' issued share capital basically in plain english what does hte above mean.. thanks:T
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How to get the most bang for my buck!
After years of debt and worry, me and my other half are now about to start saving for a deposit for a house :T We have a joint current account with Natwest, but they only pay me 0.5% on my isa (good job I have no money in it, lol) We want to save £400 a month, and dont need it for two years. I have looked at ISA's, regular…
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Wrong place
Wrong placeWrong placeWrong placeWrong placeWrong placeWrong place
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children trust funds
I have a few questions/thoughts about these: we set them up for son and daughter with the gov't £250 with the intent of not doing much more. but given what's going on in further education and the fact that we want to put something in place to make sure that we suddenly don't need to find a huge chunk of change just as we…
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Mini Insurance ISA...what to do with it?
Please help...as a complete novice to forum i'd really appreciate any help! I've had the above mini insurance ISA for over 10 years and have just let a £20 direct debit run every month. It's now worth about £3000...not sure how great this is a return for this type of product but over 10 years i reckon i've invested about…
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buying ISA funds direct or via Cavendish?
Would appreciate a bit of help. Have just cashed in my Virgin ftse all share ISA (only worth around £5000) which I have had for some years. Was intending to place these funds into a new ISA fund using up this years ISA allowance that i have. Was looking at the Fidelity Moneybuilder UK Index and was going to purchase it…
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Santander shares - worth buying more??
I have a very small amount of Santander shares, which have jsut given me a dividend cheque of approx £3!! I have also got the option to buy more. What do people think? Is Santander doing well?? Should I take the risk or leave my money safely in the Building Society?? I do have some funds that I will not need for some years…
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H-L Tracker: Where is my dividend?
Hi there, I've been paying into an HSBC UK all share tracker wrapped in a ISA held with HargreavesLansdown for a while now and my portfolio within shows a nice ~20% increase in value. What I acannot find however is a record of where the dividends have been paid/re-invested. Can anyone help? Many thanks
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I have money in the UK to invest, but I live in Australia...
Long time lurker, first time poster... I have recently inherited ~100k GBP which is currently sitting in a bog standard savings account in the UK, my wife and I have a 4 month old son and we want to invest some of this money to eventually go towards education/house deposit etc. We also have a mortgage on a property, which…
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Egg Savings account - missing funds question/warning
Hello, I made a standard online transfer from my Egg Savings to an external bank account of mine (Santander eSaver) . I've allowed up to 4 working days but the funds have not yet been received in the other account and this has been raised with Egg, who escalated to their "Complex Team" team last Monday 14th Feb. I have not…
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First Save - Nigerian
What is the general concensus on investing funds in the Nigerian based FirstSave ? It claims to be covered by UK FSCS and offers the best available rate fixed for 1 year (3.25%)
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How to beat inflation?
Hi, So far I have invested in my education (going to start a post-grad course in my spare time at the age of 24), as I feel that is the best way to beat inflation - invest in yourself! But other than that I am stumped. I have put 20% my money into investment funds. half of this are balanced income funds and the rest is in…
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Can I just do everything out of my savings account? What are current accounts for?
I've set up a Santander ESaver after reading the best saving accounts page. Now I'm wondering why I'd need a current account as well, can't I just do everything out of this one account? By everything I mean get salary paid in, pay bills, use the debit card in shops and get money from cash machines. I'm not an expert on…
