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Transferring ISA
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Diversification or ‘Don't put all your eggs in one basket’
Just a weekend chat if you want to join in :cool: I’ve been thinking about this and I think it is easy to get mislead when talking about portfolio diversification. Looking at extremes to give some context:* If you totally diversify you in effect have a portfolio that tracks the world. For sure you have limited your risk…
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Yorkshire B/S Faster Payments.
I did a FP from the Halifax to York/BS yesterday, so far the payment is not showing. I believe they use NatWest for their system, does anyone know how long it should take to get into York/BS?
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Lloyds TSB Error ordering printed statements Name not on A/C !!!!
I keep getting the following error on internet banking when I try to order a printed statement. 1600014 : Sorry, but we can't send you statement sheets for the dates you requested because your name wasn't on the account account during that time. When I look online I notice that it says For: test - WHATS THAT ABOUT??? at my…
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daft Q, transferring money out of santander ISA?
Hi, Daft question, I know, but I have never taken money out of an ISA before! I moved my isa into santanders instant access one that was popular in april, coz it had the best rate? Cant remember exactly whats its called.. anyway, now i want to use most of the money as a deposit on a house.. but i dont know how to remove…
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can you help me understand trustnet.com data on my Aegon pension fund?
hi i have a pension plan (GroupSIPP) with Aegon, and have decided to go for the following fund Scot Eq Adventurous Select Portfolio I found it on trustnet.com, but i'm confused http://www.trustnet.com/Factsheets/Factsheet.aspx?fundCode=GSFM3&univ=P why are there two different unit names? -SCOT EQ ADVENTUROUS SELECT…
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Trouble opening account
Hello, hope this is on the right board. I recently tried to open a bank account with Santander online, an instant access online account as it seemed to have a good interest rate. As soon as I got to the Income and Outgoings bit it told me I couldn't open an account since my outgoings were greater than my income. My…
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SWIP Property Trust - why?
I'm putting together my questions to an adviser who has suggested a portfolio of funds. Most of the funds(15) I'm not questioning because as I have said in another post - who knows? I expected there to be a UK property element in the portfolio but am surprised that it is the SWIP property trust. Over 1 and 3 years it is 4…
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ISA Transfers
It was my understanding that you're only allowed one Cash ISA in a year. But what is the procedure for changing it? Can you literally close one and then go and open another? Or do you have to do a transfer? I opened one up with First Direct, I used to have one with the halifax. There was a zero balance, but I just had a…
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Equiniti
Hi I am sorry to be asking a simarlar question to others of last year. I have received a letter saying my late Mother had investments with them, however I did feel I have sorted my late Mothers estate, and absolutely do not know of this investment. Probate has been granted Solicitors have been involved, I thought…
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X-O Low charges, high costs?
I've recently opened an account with x-o after reading some decent reviews, attracted by the low charges. After getting a few times a quote above the official bid price, and having some available funds with HL, I tried to make a quick test, which while it is obviously far from scientific, seems quite telling. While for 2 a…
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Newton Asian Income v Newton Higher Income
hi guys just wondering if anyone is invested in the above and which would be better long term? the Asian Income has performed better and Higher Income has been poor but pays a good dividend 6%. Just not sure how to evaluate the performance, especially when on HL you look at the Higher Income for 5 years and its dropped in…
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Bid - Offer Price, Discount and Dividend Yields
As we look to finalize our ITs, there are some key things we need to consider and want clarified 1. I do know what the bid-offer spread is however does this mean buying today and selling in 10 days is likely to result in a much higher loss than doing the same with UTs (given that there is no such spread?) 2. What in the…
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Santander closed the wrong account...
Last Wednesday I rang them to close my ISA and transfer the money into my 123 current account. Was told it would be done by Monday, fair enough. Monday arrives and both accounts are still showing online. Yesterday I logged in online to find my ISA alive and well but my current account had vanished! Rang them up immediately…
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Icap to launch retail bond paying 5.5pc interest
Apparently the announcement is due today. Any thoughts about whether this would be a good investment? Also is anyone aware if this type of investment could normally be purchased through a stocks and shares ISA, and if so, whether the coupon would be paid gross?
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Regular Savings
To those recommended on the site, add the Cheshire Platinum: 5% variable, up to £500 a month, some flexibility on withdrawals and missing payment. Only drawback - branch only, and limited to Cheshire and surrounding area.
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YBS Protected Capital Account
Has anyone any expereince or views on this for investing my Cash ISAs. I am a new to the ISA world. Regards
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Santander esaver
Can i pay money from HSBC into my Santander esaver account, instead of "pulling it in"? I've got my account number, but no sort code. Thanks
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What to do with cash?
Hi all, My wife and I have a fairly substantial amount of savings, which we intend to use to fund a house move next spring/summer. My question is: what's best to do with the cash in the meantime? Our Santander 3.30% cash ISAs are full. We have put a couple of thousand in premium bonds as a flutter, but would prefer not to…
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Assets please help
Good morning, I hope someone can give me a little advice. My brother and I have inherited a number of shares from various different companies, my solicitor has done a thorough search, suddenly ten months after my Aunt died I have a letter from a company called Equitini stating that they are holding assets and investments,…
