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commodities
Hi I have a portfolio of equities (domestic and emerging) and cash savings, but would like to diversify my risk and start including commodities. I currently only invest through ETFs - I'm a believer in passive rather than active. I don't attempt to take "views" on markets and instead try simply to steadily drip feed money…
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question about Child long term saving?
Hi, Someone mentioned to me about them saving a certain amount each month for there child when she was born til the child was 16yrs. When the child was 16yrs she recieved that amount as a lump sum. I wanted to know what type of saving/account would this be. Thanks
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£2k to invest for our 10m old
Obviously it can be totally tied up for the next 17 years so what's the best way to invest???
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When is ISA Interest paid?
Is the interest on all ISA's paid annually in April? I switched my Nationwide ISA earlier this year (in June) to another Nationwide ISA product with 3% interest rate and I have been paid a level of interest at the end of August. - I am confused, as I assumed all ISA interest was paid at the end of the tax year. Any advice,…
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NS&I Certificates not received
I invested the maximum in the tax free (now withdrawn) index linked Bonds last May. Application acknowledged, and money gone from account, but... I have not yet received any Certificate, or written confirmation. Call me fussy, but six months is a long time to wait for a written record of my investment. They do not respond…
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Child Savings
Everyones situation is different, and I hope I do not get critised for a question that have been around already, but here goes. We have a one year old, who we are saving money for. The main source of that saving is "gifts", as we have MANY MANY toys and clothes etc, we have asked family members & Friends, no more, and…
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Standard life shares
Is this a good time to sell my 1000 SLL shares? They have gone down since 2007, are they ever likely to recover? Thanks
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Training Courses
It struck me the other say that I spent 4 years at college learning how to make a living for the next 40 years of my life but I have spent only half an hour here and there with finanicial advisors to make sure I have enough in retirement. I had a meeting with another financial adviser last week which left my head spinning.…
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Help Regarding Saving Options
Hello All, My partner and I are looking at setting up a few savings accounts, but it is our first time in this position, so we could use a few educated opinions! I've been in some form of debt for a long time now, ever since being a student (must be six years now). I've been working for two and a half years though, and…
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ISA Limit
Given the ISA limit went up last year, does anyone have a reasonable guess at how much it may go up in 2012, if at all. I had too much money left over last year that is sitting in a regular account and with this years savings mounting on top I hoping to squeeze my full (by then) £7k cash into it
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mortgage overpayments or kids reg saver?
Hi I have a new mortgage with nationwide on an interest rate of 4.14%. It is on a house of 85k for which we have LTV 75%, so we have put down 21250 with a mortgage of 63750. This leave our disposable income of 200 a month which is much better than renting when it was nothing. By disposble income I mean everything after we…
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The best returns on 12 month investment
Hi, I need some advice from your Financial Gurus on how to get the best return on 100K over a 12 month period. I have ISAs but cannot add further funds this year. Family have mentioned taking out a bond but does anyone have any ideas that would save me giving lots of interest to the Tax man?:j
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Natwest foul-up
This a strange one, but it could cost Natwest dearly. My wife and I invested £15000 each in the NS&I index linked 5 year bond. We sent 2 cheques dated 2 September with our application forms and went abroad on holiday 5 September in the mistaken belief that all would proceed without any problem. But that was before our bank…
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Bristol & West PIBS / Bank of Ireland
Hi Just wondered if anybody else was facing the decision of whether to accept the Bank of Ireland offer for the former Bristol & West 13.375% PIBS ? It would be good to share thoughts and opinions !! Thanks J
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£30,000 lump sum.Would this work?
I would like to run this idea past the clever folk on here to see if it is a good or bad idea. At the beginning of December I will receive a lump sum of £30k.This will be the only "new " money I can save in the next few years so I have to use it as best I can.I want to save not invest.At the moment I know I can put it in a…
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Utilising Capital Gains Tax Allowance
I have some money to invest, and was thinking of buying some high grade corporate bond ETFs. These satisfy my criteria of being lower risk than shares, but higher risk/return than cash or government bonds, whilst having low fees associated with them. This is all great but I'm mindful that I'm not really going to be making…
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Quick ISA question
I'm just in the process of applying for a new ISA to transfer my current one into. The transfer form says: "... you can only subscribe to one Cash ISA in each tax year" As I've put money into my current one a couple of months ago, does it mean that I can't put any more money into the new one? The money I put in before is…
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What to do with Euros now?
I have a Euro account with a fair amount of money in it. Any ideas on whether I should change it to GBP given the problems in the Eurozone at this time?
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What to do with house deposit?
Hi everyone, Long time reader, first time poster :) I'm looking for advice on what to do with the deposit from my house. My situation is this: I bought a house with my now ex-boyfriend in 2009. We've now split up, and I'm relocating with my job to Manchester. My ex-bf is taking on the mortgage in just his name, and giving…
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UBS reveals how rogue trader beat the system and lost $2.3bn
Good Sunday reading for investment fans, at least I thought so! UBS has revealed how the rogue trader cost em $2.3bn (up from initial estimates): The rogue trader speculated across the EuroStoxx, DAX and S&P 500 indexes. Moreover, it has revealed how the unauthorized trades managed to bypass internal systems following…
