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ready made 2012-2013 s/s isa
I have £5640 to put into a s/s isa this year using one of the ready made isa plans (possibly share centre) as I dont have enough knowledge or confidence to choose individual funds,I know its better for costs to choose yourself but I feel I am not ready to go down that route just yet. Any recommendations ? And will I have…
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Coventry Online saver Issue 4
Whats the maximum daily withdrawal allowed on this account. I see reference to £5000 for online accounts mentioned on their web site. I assume if you closed the account by phone you could just transfer the whole amount. Just checking because of the 4 penalty free rule on this account.
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Effect of fees on fund performance
Just trying to fully understand the effect of fees on yield. Hypothetical situation: I have a wad of cash to invest and am looking for income rather than long term growth. I go see an IFA, he recommends sticking it in xxx high yield fund which is yielding 6%. The fund is quoted as having a 5% initial fee and a 1.5% on…
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Dividends from US companies
Newbie questions: I note that many NYSE traded stocks have high dividend yields. Is it possible to invest in these companies directly from the UK or is this best achieved with a US focused Income fund? What are the tax implications if it's possible to invest directly? Is there an online tool/site that allows easy analysis…
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My investment options
Hi all, would really appreciate if i could get some help and advice on what you feel are my investment options. I've reached the stage in my career where i need to start thinking about the future. Just a quick background: family, zero debts (credit cards, store cards etc), couple of mortgages and a good family income. I've…
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Equity explained simply
Hi, Could I ask someone to take the time to provide an explanation of the UK Equity Stock and Shares Market? I.e what are the main reasons the share price fluctuates? If I were to invest in it- where would the extra capital actually come from (of course assuming that I make a positive return). Thanks in advance, Alex
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Best Account to Save US Dollars & to Use on Holiday
G'day, for some years I've had a US$ account with Yorkshire Bank, it earns a few dollars a year interest - literally a few, perhaps about $10 - $20 a year. It costs me if I put cash or cheques in, it costs me to take money out, it costs me to have a cheque book and again it costs to actually use a cheque. Having said that,…
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junior/adult cash isa
16 and 17-year-olds currently get two ISA allowances - £3,600 on a Junior ISA and £5,640 on an adult cash ISA! That's because they're also allowed to open an adult isa from the age of 16 too. So under the current rules they could squirrel up to £9,240 in ISAs for the 2012-13 tax year! :j
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Is my regular savings account really the best place for my money?
I am completely new to the option of putting money into the best place because well I've been focused on debt reduction for so long. I'm getting myself confused about which is the best option for me and my few quid so any advice is appreciated Firstly I should say my remaining debt is at 0% until paid and my income is not…
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How safe are deposits with Lloyds TSB International?
i've been thinking about opening an account, and being offshore in nature the disclaimer is that they are obviously not regulated by the FSA or subject to the Financial Services and Markets Act. But what concerns me is deposit protection arrangements. It is stated that the parent group (Lloyds TSB) does not guarantee the…
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Hargreaves Lansdown - I should do what?
You have to laugh. I recently received a letter from HL in the post and an email today about my investment account (which is neither an ISA or a sipp). In this account I hold a few venture capital trust shares. HL were telling me what a great idea it would be to put them into an ISA with HL as the dividends would be tax…
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Trust Fund setup for me in 1970
Hi all. I'm unsure which forum to ask this so I am hoping this one is ok. I was born in 1970 and fostered at 6 weeks old. I never knew my father but have been told that he apparently set up some form of trust fund for me at the time. I don't know his name or anything about him and am wondering if there is a way to discover…
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£100 per month in premium bonds ?
Hello, I am saving £100 a month in premium bonds at present - but seem to win erm - NOTHING! Knowing nothing about saving or investments...I need some advice, what is better out there to get a decent return ? Any advice appreciated
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what should I do with my money?
Ok this is going to sound ridiculous and slightly mad, but - what should I do with my money? I'm going to come into some money - about £4000 and for me this is HUGE! I work really hard and for the first time in a really long time am 'comfortable.' I can just about keep on top of bills, morgage etc and afford odd luxuries…
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Brokerage Comparison
TL;DR Considering transferring out of Interactive Investor as they make it difficult to avoid paying the 30% US withholding tax. Are there any brokerage companies that offer this service and are competitive? (Wow even my TLDR is quite long - sorry). Hi Just a little background so you get an idea where I am coming from. I…
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Investment fund holdings
Are there any websites that track the movements of the individual shares that make up a fund? Or track what a fund is buying and selling? I've only really found the Top 10 holdings on fact sheets, and depending on the fund these could make up less than a quarter of its full holdings. Just want to see what we're paying fund…
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HiFX nightmare
Hi I've lost £2,000 of my life's savings thanks to my dealings with this company. I was trying to transfer some of my wife's life savings in Australia to our joint bank account in the UK. However, we pulled out after agreeing to their terms via their website, you know the one, the tiny box at the bottom of the web page…
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Santander Shares - sell on or off market?
Hi I am new to this - both shares and this forum! so apologies for the mistakes I am likely to make! I have Santander shares and I have received a letter about the Santander Scrip Dividend Scheme asking whether I elect to a/Sell your rights on market and receive cash (no Spanish withholding tax) or b/ Sell your rights off…
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25 billion more
The Banks need more money . So if they have to find all this money, their options are I presume Borrow more at a cost to themselves Cut interest rates on all savers accounts Stop lending. Make attractive interest rate offers to attract new fixed savings Anyone think it might be the latter option? Can we expect some sudden…
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CTF Replacements?
With 2 older children given the government £250 to set up a trust fund for each we now have a younger child who missed the cut off so didn't get her £250. We obviously want all the kids to have the same so could anyone advise what the next best, minimum risk option would be for her? We'll open the account with £300 and pay…
