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Is HL still the preferred investment co.?
Hi, just a quick one for you. Reading these boards over the past few months it seemed like most people held their funds through HL. I am now looking to take the plunge and open a S&S ISA and wonder if they are still reasonable with regards to fees etc. Does anybody have any suggestion as to who might be a good platform?…
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Funding Circle Referral
Hi Anyone want to refer me to Funding Circle? I'm about to join up as a lender. First come, first served. :)
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Convert EUR to GBP in HSBC to expensive
I am trying to convert some money from EUR to GBP held in HSBC. Initially they give me an estimate for my quote, and if I'm happy with that we proceed with the real time quote, where they give you 40sec to decide if you want to exchange or not. The problem is the live quote is almost always about 3% less than the…
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Tax on Savings
Hi all, Just graduated and started my new job :j Unfortunately that means I have to start paying tax on my (non-ISA) savings interest. I hold accounts with RBS and Virgin Money and have informed them both that they need to start deducting tax, ie revoke my R85 declaration. Virgin responded that they have arranged this, but…
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Offshore Investment Bonds - Can we purchase one direct?
I am a trustee of a discretionary trust and we (the trustees) are considering investing in an Offshore "open architecture" Investment Bond in order to reduce the tax liabilities of the trust. I consider myself a relatively experienced investor and am not convinced that we need an advisor for investment strategy &…
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Professionals sell active funds, but invest personal assets passively
doesn't come as a surprise to me, but rather embarrassing.
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Suggestions, please!
I'm retired and all of my money is in fixed rate ISAs returning a "reasonable" amount. They are now starting to mature. The first one ends on August 1st which was paying 3.7%. Normally, I would re-invest in other ISAs but the current rates are a waste of time so I have decided I will re-invest some of them into non-cash…
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Filled 2013 ISA - Where to save next?
Im fortunate that I have been able to fill my 2013/14 ISAallowance in full. I can save £750p/m. I am looking for advice on where to continue to invest thismoney on a monthly basis? I have looked at S&S ISA but must admit it looks a bit toodeep and heavy for me right at the moment. I have no debt and currently over pay my…
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Savings and Tax Calculation
Hi, this may be a silly question.... my dad (retired) has received a tax calculation which includes £1k for savings interest (which he does not understand where it is from... minimal savings in a single savings account) The notes state that he does not pay tax on the interest at source, however he also received a tax…
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Trustee Savings Accounts
My brother and I had to set up a Trust Fund when our mum died for all her grandchildren. This is all up and running but her Will specifies that the grandchildren have the money on their 21st birthdays. We put some of the money into a 3 year fixed term deposit account with Lloyds bank which has just come to an end and need…
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Joint Savings
Hi everyone, I'm looking for a list of joint savings products. There's lots of posts etc about the best savings accounts, but can someone tell which ones are eligible for joint access ? Seems like the banks don't mention this unless you ask them for more information. It can be a regular saver, instant access, fixed deposit…
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New Born Bank/Savings Account
Hi, just had a thrilling two days with my new born, but now I need my sensible head on and I want to open a bank/savings account for him. Can anybody give me any advice on what the best accounts are? I know some people are giving us money as gifts, its his money, so I want to put it away until he really needs it. Also is…
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Investment Trust Fund ideas
Hello! I currently have around £10-15,000, I am looking to invest in either a OEIC or Unit Trust Fund. I have researched and found some like Aberdeen World Equity, I am relatively new to investing. As a result, would welcome suggestions, advice and insight? I looking particularly for a lower risk fund with diversification…
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10k lump sum saving for a child
Hi folks. I want to put away 10k for a friend's child for 10 years, this is not to make money, just make sure it's safe for her, this is a one off payment, I don't want a trust which I add money to each year, I want a simple savings account that this cash sits in for her until a later date. I can't find a long term savings…
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Incorrect cost on a credit note?
I received a contract note for a fund purchase this morning, which read as follows: Quantity 32.272400 Price £123.34 Consideration £3,990.00 Commission £10 Total £4,000 However, 123.34 times 32.272400 is actually £3,980.477816. I've contacted the broker to query, but I was curious as to whether this was a common problem…
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Investment Advice
Hello all, My current predicament is that I am due to inherit a sizeable sum of money (circa. £100,000) and as a result I am trying to establish my options. I am early twenties. From MSE, I have got together a plan to save in various accounts: ISAs, regular savers, and so forth around £30,000. However, I am now looking for…
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What to do with £500....
I have had a payment of £500 that was unexpected and im not really sure what to do with it At the moment i have no savings/isa etc. The only debt i have is: £200 to my dad (who is in no rush for me to pay this back so i am paying it off in monthly installments) and a £1000 on a CC that is 0% until dec (again, being paid…
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Barclays Shares
Well I suppose the writing was on the wall a few weeks ago when Barclays Middle Eastern Investors sold out at a massive profit. Disappointing results and a rights issue sent the shares down today. If I was a shareholder I would be asking why they pay dividends when they need the money to bolster their capital ratios? I…
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iii threatening to sell my shares if i don't pay quarterly fee
I am not an active investor and have been travelling and working outside of the UK for some time now. I realise i should be paying attention to my account but i get the daily email which tells me how bad my 1 holding is making so i don't login. I started receiving emails alerts from Interactive Investor in April 2013. I…
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Best low risk return for £72K
Having recently retired I have £72K in a Santander eSaver6 paying 2.9% Gross AER. This rate expires on 20 August and I'm looking at the best way to invest with low risk whilst still giving me immediate access to a reasonable amount should circumstances change. These are my thoughts. Appreciate any advice or comments. *…