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SIPP Funds portfolio
hello, i am looking to start a new SIPP fund (abt 25K to start with) and planning to start it with below portfolio. I am 30 and looking at setting an Adventurous to Medium risk portfolio with an objective of long term captial growth accepting short term volatality. how does the below combination of funds sound against that…
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Saving option advice for a F1 student
Few years ago my sister left her native country and became F1 visa student. She has been in USA for few years already and seems like she will stay longer then expected and study. During the time here on F1 visa student status, she cannot work and therefore cannot save any money for the SS retirement. Are there any options…
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Childrens Unit Trust
Hello, Can anyone offer any advice or experience of a Children's Unit Trust ? I've decided i'd like to open a Children's Unit trust rather than a Junior ISA on the basis I can retain ownership and withdraw funds (in an emergency) up until 18. Thanks
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First Direct Savings Accounts -Ridiculous
I have just applied for a First Direct savings account only to be told that to check me they have to call me at work on the directory enquiries number they have - I work in a large organisation with calls directed through switchboards and they would be unlikely to get hold of me - how ridiculous!!
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Transferring funds - would appreciate some advice
Hi, I currently hold the following with HL: ISA: Vanguard Lifestrategy 100% - £19k Regular fund account: Aberdeen Asian Smaller Companies - £1.5k Cazenove UK Smaller Companies Class B Accumulation - £7.5k Marlborough Multi Cap Accumulation - £3.5k Marlborough UK Micro Cap GrowthAccumulation - £3k Unicorn UK Income Fund…
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How much cash do you keep in an instant access account?
I'm in the process of building up a what will hopefully become a substantial nest-egg of savings and investments. I was wondering how much you all keep in instant access cash accounts? As I'm starting to put money into stock and shares ISAs, as well as looking into fixed term or notice accounts, I'm contemplatin how much I…
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Investing £1m short-term, after house sale?
My parents (active in their 70's) are in the highly fortunate position of having just sold the family farmhouse for £1m. (We're in the south east, where prices in the past 30 years have gone up exponentially!) They are looking to downsize and spend £650k, but haven't found a house yet; so would like to move in to rented.…
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Pros & Cons of different Platforms
I know this has been done to death a bit in the other threads but I am interested in the things that are not charge related. If all platforms charged the same would we all be with HL or do other platforms have their advantages. The experiences of people who have moved from HL to other platforms would be particularly…
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Which investment opportunities?
Hi, I have some money that I wish to invest for the medium to long term, but I am a complete novice. I have done a lot of research over the last couple of months and have come up with the following Premium bonds. £10000 Stocks and shares isa. £10000 Cash isa. £5000 P2p lending. £1000 Other. £2000 I am looking at…
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What to do with savings whilst abroad?
Just wondered if anyone might be able to through some advice this way regarding my situation. I am currently working abroad in Asia, probably for 4 years in total. My wife and I have a small amount of savings (10k) and putting away at least another 1k a month. We don't have any property, mortgage, debts etc other than…
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Share dealing ISA question
Hi everyone I am new to investing and share dealing. I want to start investing for my future so have been doing some research. I have opened up my first cash ISA, and about to put some money into a stocks & shares ISA. I have read that each person has a capital gains tax allowance of £10,900 this year, and that an ISA…
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Is this the right thing to do ?
Hi, Using this forum I have finally decided to invest in a personal pension. I will be investing in the region of about £50-60k but i may invest a a few chunks rather than all in one go. I am 53 years old and intend to retire, from my current job at least, sometime in the next two years. I have been looking at my own…
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interest calculation
Any mathmeticians....? £20,000 at 3% (in a 123 account). Basic rate tax payer. Monthly interest payment = £40 pm ? (ignoring any extra 123 payments and the £2 fee) 20000 * 3% = 600 / 12 = 50 pm gross 50 * 20% = 10 pm tax So £40 pm net Yes?
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Planning for the future
Hi I'd welcome some advice on current situation - I'm trying to come up with a good solid plan for the future prompted by the fact we are taking on a much bigger (very scary) mortgage this week. Some details below: Married couple Income of around 100k per annum 30k in savings - 10k to be spent on new house Car loan with…
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Which platform has the best range of funds?
I am considering a switch from HL - Like most people on here :) I have quite a large portfolio and facing over 4k a year in charges even though it may be a reduction from the status quo, is a great incentive!! I have quite a few funds from the more obscure fund houses and am having difficulty finding any platform where I…
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Got £50k to invest, best place?
My husband and I have £50k to invest in a few months, currently in a Nationwide Mysave account, but needs withdrawing end of Match when 12 mth bonus paid. Thinking of £20k x2 in Santander 123 a/cs and the rest in 2 ISA's? I don't pay tax so the Santander a/cs will be in my name. Unless anyone else has an idea of a better…
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tax
:cry: Hi, Does anyone know of a way to find out if I have used this tax years ISA allowance. I have toooooo much paperwork.:(
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Peer to Peer Saving - Wellesley & Co.
Has anyone out there used this Peer to Peer lender, or do you know anyone that has ? What were the experiences ? Thanks.
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Cazenove UK Smaller Companies Fund
Their is only two days left before this fund closes, and I have still not received any notification from Hargreaves Lansdown about it, and it's actually still in my SIPP to invest in for next month. It's also still in the Wealth 150 fund. I have actually lined up a replacement, but I wanted to leave it their to see what HL…
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Insider trading
I'm partial to an occasional flutter on the AIM from time to time, and thus far I've been lucky enough for it to have done me well, I was looking around for a next move as it were and in the course of researching a few options found this: (article I'm not allowed to link to it seems, essentially appearing to strongly imply…
