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Is Vanguard as core holding Okay?
I have been investing a modest monthly amount with HL into several funds over the last few years and would like to increase this amount this year so that I will have a better chance of meeting my investment goal. Some of the funds I have been investing in are Vanguard LS 60, JPM Natural Resources, Aberdeen EM, a strategic…
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Best saving investment advice
I have got 40k in cash which I want to invest or save somewhere which can generate me some money. Please advice. Thanks
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Proof of ID and address (Tesco Bank)
I applied for a Tesco Bank savings account a couple of weeks ago and, despite the fact that I already have two current accounts with them and a credit card from at least a year ago, they said I'd have to prove my identity and address. Why? If they were happy to give me all these other accounts without needing any…
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New to stocks & shares ISA - help & advice pls
Hello I am thinking about investing in a stocks and shares ISA for the first time. I have never been a fan of investments where you can risk/lose your capital as I am super cautious, but this has meant that most of my savings are in cash savings accounts which are not doing well with the bad interest rates. I am also wary…
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losing tax benefit when tranferring ISA?
People always say "never withdraw money from your ISA" or you lose the tax benefit immediately. Not sure what that exactly means in the following situation: I am thinking of transferring money from a cash ISA account into a stock/share ISA. The transfer procedure appears to be very complex and may take a long time to…
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Bit of savings advice?
Sorry for the long post. Read a lot of the stuff on here, I *think* the best option is to switch to First Direct and get the £125 switch bonus and get their regular savings account at 6%. Currently I have everything with Halifax. Cardcash account - £20 Reward Current Account (pays £5 a month) - £5000 Student Current…
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I will be getting 8k in 5 years, but I need the cash now.
In 3-5 years I will be given about £8,000. This is guaranteed. There is no way I can get hold of this money right now. I need the money right now to pay towards a deposit on a new mortgage. What's the best way to get hold of this money right now and pay the minimum interest/fees possible up to the time I actually get the…
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How is tax paid - Does it have to be paid by employer?
I was wondering: Is it possible to not pay tax through your employer, but take salary without deductions and pay a lump sum at the end of the financial year? Thanks, Tom
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Santander 123 Vs First Direct Current accounts?
Dear all, Back in October 2012 I switched to First Direct's current account, and have had no regrets since. I love it, very good customer service etc etc. Furthermore, I have their popular regular savings account open earning 6%. However, having built up some savings into the account, I am looking into the best savings…
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Advice on adding Small-Cap fund to Vguard Lifestrat
Hi all, I had some great advice last time (as usual), so I'm back for more. I'm currently investing in a Vanguard Lifestrategy 100 fund, drip feeding around £1500 a month into this at the moment through Hargreaves Lansdown ISA. I've maybe got another £500-750 a month that will either go into a cash savings, P2P lending…
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Are III Getting Worse?
III are not, as we know answering messages unless chased. I now notice that they have changed their promise to reply within three days to a reply within five days ... not that they are even doing that! Shame that, I must have lost my message from them informing me about this service reduction ... but happily, I managed to…
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A plan for windfall.
Hello all, The wife and I are likely to see a large cash windfall (400k) shortly and we've had various ideas as to what to do with it. I'm a 40% tax payer, my wife pays no tax. No debt other than mortgage. Here's the current plan 1. Pay off mortgage (£90k approx) 2. Purchase a couple properties to rent out (£150k) 3. Put…
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Close Brothers
Im not able to access Close brothers website at all - access denied and/or ' cannot be found' . Used to have good rates a while ago so thought Id check them out . Something I should know or is just me and my pc not talking?
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Santander 123 - Savings, Bills, Mortgage ahoy...
Hi folks, First time posting here on the forums so please be kind! Feedback on protocol welcome :) My wife and I recently opened a Santander 123 account to take advantage of the savings and bills cashback benefits offered by the account. The account’s been opened with us as both primary account holders, I’m in the process…
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Is there such a thing as guaranteed S&S NISA?
I know this is a silly question, but is there a S&S NISA that guarantees that the money you put in would be protected so that you wouldn't come out with less than you put in. I've currently got a cash ISA but the rates are pretty shocking.... Thanks in advance for any advice.
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30k invest or not
Hello, Was wondering what you lovely people thought what I should do with my 30k. I currently have no debts/ loans apart from a mortgage which we are in the process off overpaying and hoping to pay off . I do however want to invest some money as I think it would definitely generate more of a return than a savings acct . Do…
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Stocks & Shares N-ISA; investment supermarkets?
Anyone have recommendations/advice/experience on using ‘Investment Supermarket’ companies for ISA Stocks and Shares investments? I would like to invest some, or maybe all, of my NISA allowance for this year but I really don't know to go about selecting a provider. I've only ever held cash ISA's before. All advice…
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New member.Possible windfall.Need advice.
Hi I'm new to this forum, I'm probably supposed to say hello in the new members section or something I havent' read yet, but anyway, hello. In the near future, possibly within six months, I will be the grateful recipient of an estimated £50,000 from the sale of a property, a very generous gift from a family member. I want…
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SWIP FTSE All Share Index - £24 annual charge
Every forum I read (the latest I can find is from 2012) says that there is a £24 annual charge for holding this fund but I can't see any evidence of this on HL's website?
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Britannia access saver 5
I applied on line for above saver July 2nd. I returned application form and cheque on July 4th. Since then nothing. Is anybody else having delays and problems opening the above account?
