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Sanderson Forbes - Genuine Wine Investment or SCAM?
About 18 months ago a good friend asked for me opinion on a letter he received through the post regarding wine investments with a company called Sanderson Forbes. As i know a little amount about the run of the mill investments i.e stocks and shares i know very little about these specialist investment areas so i could offer…
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International Dividend Reinvestment
Hi, Im ready to start a share dealing account. I am looking at companies that offer dividends and brokers that use dividend reinvestments. Ive looked at iWeb however after emailing them they do not allow dividends from international companies only UK stocks, does anyone use or know of any brokers that allow UK customers to…
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Cavendish to III
I have around £300K in 11 funds with Cavendish. It seems I will save around £650pa switching to III. As there is a cash offer before end Feb, it seems sensible to wait 2-3 weeks and then start the move. If I have understood correctly, there is a charge of 0.11% to cofunds which I can avoid by switching to clean funds so as…
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Has anyone got experience of Nutmeg?
I'd be interested to hear any thoughts on the new provider Nutmeg? Basically, they offer a managed service based on ETFs and 8 different risk profiles. The fees seem relatively low for a managed service. However, they're very new and unproven as far as I know. Also, no idea the value of assets under management. Any…
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Nationwide Flex Direct
Sorry if this has been asked before or if this is not the correct thread. I have a Nationwide Flex Direct account which will come to the end of the 5% rate at the end of February.. I would like to transfer all the funds out and close the account and then open a "new" Flex Direct account. I can't see on the Nationwide web…
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Virgin reduces rate on esaver account!
It had to happen, with banks and building society's competing to offer the lowest rate they can get away with Virgin have now reduced the rate to their easy access account to 1.40% (1.12% after tax at 20%) It is around 4 years since the BOE rate plummeted to 0.50% yet rates paid are still being slashed! Is there no end to…
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Cavendish v Charles Stanley Direct for funds only portfolio?
All these charges are getting me all confused so would appreciate a second look at my analysis. I'm looking to have a funds-only ISA portfolio which will reach approx £20k at the end of 2014. Given that I'm only interested in funds at the moment, it seems like CSD and Cavendish are the best options at my portfolio size. Am…
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Inflation Calculator
This looks like a handy inflation calculator. Shows how the rate of inflation varies compared by what you measure. You can see why English politicians prefer to ignore housing costs: http://www.thisismoney.co.uk/money/bills/article-1633409/Historic-inflation-calculator-value-money-changed-1900.html
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Investment platform with cheap fixed fees?
Hi, I typically invest in low-cost index trackers, mainly Vanguard, through Hargreaves Lansdown. However, their new fee structure will be very very expensive for people investing higher amounts. Previously, the cost of the platoform was £2 per month per fund. Now, it's 0.45% of the value of the fund for investments below…
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Transferring your cash ISA from previous year before interest is credited
Hi all, I'm finally starting to use my ISA allowances and hope to end 2013/14 with a full cash ISA for the year :beer: I've presumed that the most competitive deals for 2014/15 will be available from April 6th, and that as time goes on, these become less competitive in terms of interest rates. On that basis, I want to find…
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Share Advice
Hi Iam looking for a portfolio of about 5 or 6 shares to put into my ISA wrapper which is valued about £30000. I was thinking that Tesco, National Grid, maybe 2 for starters but would welcome ideas and thoughts about what sharesI should invest in for both income and growth.
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HL - from dirty to clean
I've just got round to reading HL's booklet. After 1 March you can give instructions to convert from dirty to clean fund classes with no charge. On page 10 it says 'conversions will take place on a quarterly basis and we will publish more details about how to convert at the beginning of March' Can anyone explain the…
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ISA advice
Hi I have invested in my cash ISA leaving me £5760 to invest in S and S ISA? I have invested in Post Office shares and want to bed and ISA them. Do I subtract the cost of the Post office shares from my £5760 leaving me just over £5000 to put into S and S ISA?
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Junior ISA
which Fund would you recommend?? Family Charities Ethical Trust This fund aims to achieve growth by investing mainly in UK shares of companies that make up the FTSE4Good UK 50 Index*. Invests in companies that meet globally recognised social, ethical and environmental corporate responsibility standards. The selective…
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Short Term Savings - 9 months
Hi all I am looking to save approximately £4500 over the next 9 months and was just wondering where I should put the money aside. I have an online savings account with my bank (Lloyds) that pays 1% gross. Should I put in there or elsewhere. I already have my first £500 ready to put to one side. Cheers
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Saving £1000 a month, where and who?
Hi all, Im looking for a bit of advice. I'm currently saving £300 a month into a 4% HSBC savings account and another £350 a month into an ISA, I have another £1000 a month that I would like to invest. Can anyone advise on the best way for me to invest the the extra £1000. Any help would be greatly appreciated Thanks
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Advice on ISA re-investment
I hope someone out there will be able to advise me. My ISA provider and HMRC have been unable to do so. I have a Cash ISA maturing shortly and would like to re-invest the monies with the same provider. However, the paperwork provided includes the following sentence under "Declaration": "I have not subscribed and will not…
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Investment - Advice would be appreciated
Hi I have recently inherited £4000, I would like to invest this to hopefully turn this into a larger amount. As the money has come from family I don’t to do anything to risky as it wouldn’t be fair if I wasted hard earned money, equally though they would be proud if I managed to increase it. I wouldn’t really know where to…
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Cash ISA query
Hi, I'm a newbie to all this so hope you can help! I'm a little confused with ISA's - I have a Cash ISA, opened this tax year, and currently filled with this year's allowance, so come April, can I dump my next allowance into this existing ISA, or do I have to open a new one? Thanks!
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Joint savings account
My boyfriend and I would like to open a joint savings account. I am a uk resident but he has a South African passport and current lives in SA. We are planning for him to move to this country and we need to have a joint savings account here in order to fund his move. Can you tell me if we can do this? Thanks
