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Investing in New Fund Issues
I'm 1/2 way through reading Monkey with a Pin and to be honest it is becoming very apparent that using logic and reason to fund pick is a complete waste of time, and statistically I may as well fire arrows at the financial pages. With this in mind, could an alternative fund picking strategy work? So how about this? Small…
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Best savings for elderly parents
Hi my elderly mother has 18k in her current account with Nat West and doesnt want to move to another bank. Any advice on how she could get some interest without any huge upheavals? She is completely housebound and not very trusting
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Multiple current accounts with the same bank
I currently have a 123 account with Santander and have the max £20k in there to attract the 3% interest rate. Can anybody tell me if it is permissible to have multiple 123 accounts, depositing a further 20k in each thus attracting the 3% again. I realise that I would need to set up 2 direct debits on each account and pay…
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Premium Bonds
I have been recording all the winning ticket numbers on my and wifes investments since 2006. I have also recorded the new tickets issued as re-investments to my surprise NOT ONE of the prize tickets have ever won. Are we unlucky or does this highlight a failing in ERNIE.
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Fund Charges - visibility
All but two of my funds are held on the Hargreaves Landsdown platform. Does anyone know how I can calculate the annual and ongoing charges for my funds?
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need help looking for account
can lock up £70.000 for a year but having problems finding an account looking for online account over 2.0% must be covered by FSCS have looked at princapality bs 1 year bond 2% is there any more out there fed up looking please help
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How much money should i aim for on each account?
* Personal account for buying personal items * Business account (sole trader) * House bills account * Tax holder account – (I'll be self employed) * Rainy day fund * Retirement fund ( i mean my own money i save up independently of any outside institution as i will be self employed and seeing how older generation are having…
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Is the stock market over heating?
Now it has reached over 67000, I am wondering, as are others others, is it yet yet another meaningless bubble? The real economy is still going nowhere. I can see, with low interest rates, that people may choose to pile in but I am yet to be convinced that it has any sustainability. Apart from a bit in S and S isas, we have…
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Investing for my child
My father passed away and left his share in a jointly owned property to my son, we currently have the property up for sale and after what little is left of the mortgage is paid off I intend to invest my half in my retirement fund and invest the rest for my son, around 20K, whats the best way to invest for say a 15 year…
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450k to invest -advice please
Hi I'm new to this forum so bear with me! Last year my mum sadly passed away. Long story short once her house is sold I will approximately have 450k to invest. I am married with three very young children. We are mortgage free but my husbands income is pretty low so he is hoping to become a full time student to become a…
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Notice Accounts
What's everyone's opinion on Notice Accounts, they seem to pay more interest than instant access accounts? Interest seems to be paid twice yearly, does this mean if you transfer your money out before 6 months is up you won't receive any interest whatsoever?
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Lloyds Vantage advice please?
I've read some of the previous threads about this account, although almost all were dated 2010 (unless I didn't search properly) and I'm looking for some specific advice. It seems most people prefer to operate this solely as a savings account but I wondered whether it was feasible to operate it as a normal current account,…
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Investing £240k - savings advice
Hi all I have £240k (the proceeds of the sale of my house). We're stepping off the property Ladder, doing a little travelling, and then renting for the foreseeable future. I'm not very au fait with savings but have gleaned that myself and my partner should (a) use our ISA allowance, and (b) ensure that we don't deposit…
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Savings and Investments some Financial Advice
Ive recently made an appointment to see Allie Baglow from best-financial-advice.co.uk prior to her coming round to advise me on the best way to invest for my retirement . I wondered if anyone else had any dealings with her company ? I was recommended by a work colleague and wanted to know if there was any contrary opinions…
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Australia funds
Any suggestions for Australian funds, particularly paying high dividends? There only seem to be three listed on HL, other platforms may have more choice. Are there any more general funds that have a big chunk of Australia in them?
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Beginner advice for small investments
Hey everyone, Basically I'm looking for a little advice (Or pointing in the right direction to where I can find this out) about investment. First of all I am a student so at the moment we are talking very little sums but I believe this would be beneficial and build up nicely over the long term. I currently have a few…
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Sharesave Maturity - What would you do?
Hi, I understand that none of you can predict the future (!) but I'm hoping some of you might have experience of sharesave maturity and could let me know your thoughts... I have a 3 year sharescheme due to mature on 1st June. We have the choice of selling the shares immediately, having the shares or taking the cash. As the…
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The Eurozone & Mr Hollande
Been lots of posts over recent times referencing the next downturn and in particular the disaster that is the Euro zone. But oddly as the Euro zone has driven up the suicide rate, unemployment, child poverty, middle class begging, depression and crime the companies within it seem to go from strength to strength. Even a…
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Investment plan advice
Hi, As you can probably see I'm new to this and learning on the job. I'm about to embark on a pension savings investment plan. I intend to set-up and manage the fund myself through Fidelity. I will attempt to max out my S&S ISa allowance over the next year! I will aim to invest 1000GBP / month. I want to start with…
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The woefullness of market-cap based trackers
Over on the H-L charging structure thread there was a bit of discussion about trackers based on things other than market cap. There was a FT/Moneyweek article which refers to some interesting research. Despite what MoneyWeek says the research isn't really that hard to read if you skip over the citations and the bits where…
