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Investment for 1 year?
Hi guys, Considering investing about £20k that we have got saved for a house deposit. We are looking to maximise the gain over a year (as looking to buy next year). Was hoping for like an 8% return or so. Currently getting 3% on it through santander (obv less 20% tax). I appreciate a year is very short but just wondering…
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£250,000 to invest
In a similar thread to another on here. With £250,000 to invest is it possible to achieve a 5-6 % return without employing a financial advisor. I did see someone suggested an IFA could achieve 8% on such a sum but that sounds very high and must include a lot of risk??
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Tesco Savings & Document Certification
Hi Fellow Moneysavers I have recently applied for the Tesco Internet Saver which is topping the the Best Buy tables at 1.55%. My cash is in an account which is only earning 1.4% at the moment so I figured it would be a good idea to move it. At the time of application Tesco state that they will attempt to verify your…
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Best savings account? Bonds?
Hi, I have well in excess of £20,000 sitting in a standard cash-card account which I haven't got around to finding something where I will get a little more for my money. I'm not sure what the best route to go down is, ISAs? Premium Bonds? Are there any other good interest rate accounts of the sort which I could invest my…
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Wanting to invest £1500-£2000 per month, best mix advice needed...(thank you)
Good afternoon. My first ever post on MSE (I've sadly barely used the forums). I am looking to invest £1500-£2000 per month with a balanced risk to it. I would really like some advice about the best places to do this for: - £500-750pm prepared to take high risk on this - £500 medium stocks and shares - £500 easy access…
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Repay mortgage; invest in ISA; or SIPP?
Hi All, I've got c. £15,000 sitting in a bank account and considering a few options with this. What would you do? 1. Put it aside in a fixed savings account until I can make an overpayment of my mortgage in 3 years time. 2. Put it in a cash ISA (split over my and my wife's allowances.) 3. Add it to a SIPP in which I hold…
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Query on joint savings account
Hi, I've recently set up a joint savings account on the santander 123 and will use this to make the most of the 3% savings associated with it. My query is around paying tax on the interest. How does this work in practice for a joint account? I'm in the higher tax bracket and my partner is a standard rate taxpayer. I…
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Harewood associates help
Hi All, I am looking at getting involved with Harewood Accociates as they have 12% annual interest, i was thinking about putting £12k in however i have looked at the risk and according to the woman on the telephone even if they go bust i can reclaim the capital back through their solicitors? Is it as simple as that, if…
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Danny Cox of Hargreaves Lansdown being pulled apart on Radio 4 Moneybox over new fees
Very funny interview with Danny Cox of HL being pulled apart by Paul Lewis and Justin Modray. on Radio4 Moneybox now. Edit. Now ended - to be repeated tomorrow 9.00 pm Sunday 19th and on iPlayer soon. Danny Cox came on calmly with Hargreaves Lansdown "cutting prices" spin and thought he was going to get away with it. His…
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What is the best interest rate at the moment?
I've been looking online and can't really find anything. I'm looking to put away about £80-£100 a month for the next 25-30 years, so i'm looking for any kind of non risk savings (Reg savings, instant access, limited access, fixed term, anything!) that has a good rate (3% or over). Is there anything that is 3%ish (over…
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240,000 invested for income
Hello everyone, wondering if anyone could give me some advice. I've inherited some money recently upon the death of some close relatives and with my savings already I've got about 240,000. I want to do a PGCE so if possible I'd like it to give me enough income for a year while I do that. Would that be feasible? How much…
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RDR & Platforms - Basics for novices
It was just over 18 months back I decided to get in the game, do a lot of reading and dive head in to start my S&S ISA. While I have learnt a lot during this time, the recent platform changes to charges and a myriad of percentage pricing is doing my head in. I first started with Fidelity and then switched to HL solely…
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Anyone lend with Zopa?
I have been watching Martin Lewis on telly tonight and he was talking about Zopa and I am wondering I this is a good thing.
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Investment of inheritance
Hello, I'm a newbe to forum. I've luckily inherited £66,000 and would like to know how to invest to get best rate of return. My mortgage repayments are 1.2% so don't know whether to pay that off? My cash Isa is up to date but should I get stocks and shares Isa? One scenario is that I probably won't need the money for 5…
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SIP's
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Isa limit
Hi what happens if I accidentally pay more than my allowance into a cash isa?
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MSE News: Sick of low savings rates? Switch and get up to 6%
"While many savings accounts offer dismal sub-1% rates, there are always tricks to squeeze out better deals..." Read the full story: Sick of low savings rates? Switch and get up to 6% Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Shawbrook Bank
Any other peeps having great problems contacting Shawbrook? Ring the customer services number automatic message stating a 48 hour response? Go to website and use contact form and it wont accept any messages.. not a great confidence builder especially when significant funds requested for withdrawl... very worrying
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Harewood associates help
Hi all, I am looking at investing my money i have approx £12.5k and came across this website (H=A) stating they will give me 12% interest per annum paid each month?! Which seems excellent, obv i think its to good to be true i have researched their website and spoke to a woman called Kay. She states worst case scenario we…
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Not Another Fluffy/hairy Savings Diary
Dear forum managers Is it possible you to set up a separate forum for all these fluffy/hairy, pink/ginger, I love/hate you, oh you're so clever/stupid, threads that are polluting these, ehem (joke) :p , more serious threads? Could be I'm a minority of one and that everyone else wants the clutter.
