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Second-hand endowments
How do people feel about second hand endowments as part of an investment portfolio? How much (typically) has a terminal bonus been in recent years? Thoughts?
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Commodity futures trackers
Commodity futures trackers, for example CRBL, are advocated as a potential portfolio diversifier by Tim Hale. These track a diversified basket of commodity futures contracts. These essentially make up an inflation basket, but the index is subject to a risk premium and also may benefit from regular rebalancing between the…
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Mis-sold shares scam?
I bought some penny shares through a company called City Equities about 8 years ago, this company has now been shut down due to improper conduct. I have been contacted by 3 different companies, one in particular called "Mis-Sold Shares Ltd" informing me I'm entitled to my money back due to City Equities mis-selling the…
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To sell shares or not - advice needed
Hello everyone, I'd like some advice on whether it would be better to sell the shares I have. I've never looked into investing or buying shares so please excuse me if my question is obvious. My parents brought me some shares in my name when I was a child. When I turned 21/22 they gave the shares to me so I've had them for…
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AER / Final interest confusing me!
me again! I’ve confused myself (Its easily done!) Can someone help? I’m trying to work out the % of interest my DD1 should be expecting: Her money is in a halifax Regular Savers with 6% AER calculated at the end of each month. Halifax have told me the interest increases each month because the “pot” of money increases…
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Investment.. why??
How does one keep the passion alive for investing?
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Where do I save my son's £4.6k damages?
My son was recently awarded £4.6k damages by the court after he sustained an injury. The court have said that we need to save this money in a high interest account where my son will not have access to it until he's 18. We had planned on opening a child 10 year ISA for him as he's 8, and the money would then be locked away…
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IFA Fee Reclaim
My complaint against an IFA has been upheld by the Ombudsman but incredibly does not include her fee of £7000. When I spoke to the junior Ombudsman his initial reaction was that this should be included and had been overlooked (he thought the fee was part of the monies invested but in fact it was paid separately) but when…
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c and g 3 year step bond
Hi, I have a 3 yr c and g step bond. I also bank with lloyds/. However the c and g account has never shown on the Lloyd's internet banking. I was wondering if other customers have the same issue. Thanks
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Minimum investment values
Hi all, When investing in funds using an investment platform, should the platform state what the minimum investment value is for any particular fund? If there is no info on this on the funds details page do i take it there is no minimum value? Do funds often not have a minimum investment value and is it acceptable to…
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Latin American Equities
I'm considering a small portfolio allocation specifically to Latin America (as opposed to an EM play) and would be interested to hear any opinions on the sector. I'm thinking along the lines of Aberdeen Latin American Income Trust (ALAI) and given the large Brazil exposure, I'm keeping an eye on this one as the Brazilian…
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TSB Classic Plus question
Looking for an answer to a query I have, and I'm sorry if it's an obvious one. The terms for the TSB Classic Plus current account say that it doesn't pay interest on balances over £2000. So I've been wondering, if my balance on the account were to be over £2000, would I not receive any interest at all as I've exceeded it,…
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HL Fund Conversion Stragglers?
Has anybody had their Invesco funds converted yet? I want to sell one of mine but now a month and a half after it started in June it is still at the submitted stage and I cant do anything with it. All the other fund houses have completed theirs except for the Cazenove UK Small Co (cant remember its new name) but the fund…
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S+S ISA, dividend hunting vs diversification?
I'm about to fill out a S+S ISA, using iWeb. Never done this before, and I'm slightly nervous, so thought I might seek advice from you guys. My plan is to split 12k in (relatively) long-term positions between 6 safe-looking stocks with a focus on value, high yields and (if possible) a decent PEG, and then use 3k to chase…
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I finally understand......I think
Recently I was bent on transferring a DB pot to a SIPP, and taking my chances on growing it to outperform leaving it where it is. I had half a mind to the worry the Government might ban transfers, thus removing the opportunity to change a promise of future income, for an asset that could potentially be passed onto…
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Average return % on Pension & ISA's
Hi all, A quick, hopefully simple, question. I'm currently making a spreadsheet to help me out with some forecasting etc and i was wondering if anybody could advise on what an 'average' return would be on a pension fund and also an S&S ISA - say over the last 10-15 years? I'm essentially looking for what % return i can…
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Life advice please!
Hi all I am wondering if I could trouble everyone for some basic advice please? I am trying to work out how much money I should be saving each month from my net salary. As I have never had a job before, I'm sure you understand how difficult this is! My circumstances: I am 25, and about to start my first job. I have no…
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Overseas UK citizen - NISA
Hi folks, I'm a UK citizen currently working overseas and not paying UK tax on my income. I have been working overseas for at least a full UK tax year, I am in the UK for less than 90 days p.a. and I am not required to pay local tax in my place of work. However, I also have two UK pensions on which I do pay UK tax. My…
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"Indexed Stock" equivalent
For the last 10 years I've held (as part of an "advised" portfolio started in 2004) an investment of £10k in Scottish Widows "Indexed Stock". I'm now in the process of revising that portfolio to reduce management charges, and this one is currently at an AMC of 1.5%. Hence looking for a roughly equivalent investment with…
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£160k short term investment from house sale proceeds
Dear all, I wondered if I would be able to pick a few brains for some investment advice. We sold our house recently as we needed a larger property, however were unable to get a mortgage due to, amongst other things, my wife's outstanding DMP with Stepchange. I had numerous liabilities also, so we sold up, paid everything…
