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How can I get the best return on money held in a Discretionary Trust?
Hi, Unfortunately I have inherited a substantial amount of money, which is held in a Discretionary Trust with my brother and I as Trustees & myself as Beneficiary. At the moment it is in a 2 year 'High' Interest Deposit Bond with HSBC earning a pathetic 0.92% interest. I have looked everywhere for a product that will earn…
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Prudential with profits investments
Hi. I am new here and do not really understand the world of high finance so I am looking for some feedback. I have just retired and commuted 25% of my pension fund to generate a tax free sum of just over £101.000. I need to invest this money to supplement my monthly pension. I have sought the advise of an independent…
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Choice of investments - pension
I saw some neat threads on here where people had posted their investment choices and others had commented on whether their selection looked OK. I'm not asking for financial advice, just a bit of a sense-check from people who might know more than me. I have a total fund value of around £600k and will not be able to access…
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Advice re short term investment of funds
I have 65k to invest for a maximum of six months. I have a Santander 123 account so I can get 3% on 20k of it but would welcome advice on where to put the remainder.
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Savings for teenager
Need to invest 14year olds inheritence she has £14000 nowhere seems to take that much money. Any suggestions.
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SIPP for my neices (age 15 & 20)
I have been contributing to a SIPP for my neices (age 15 & 20) for 3-4 years, and intend to continue contributing £3,600 (after tax refund) for the foreseeable future. Currently they hold 2 global investment trusts. The first was Scottish Mortgage. When my contributions reached c£10K, I switched to Bankers IT. I don't know…
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My ex-IFA and his trailing commission
In 2012 on the advice of an IFA I put a lump sum into Skandia (now Old Mutual) accounts. I have no complaints about the performance of this investment, which now amounts to around £80K. However, in October 2013 my IFA informed me that he was ceasing to be an IFA and was attaching himself to St James's Place, and that he…
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forex dollar rates
HI wonder if anyone either gets paid in dollars or runs businesses in dollars - I do a bit of both and I am rapidly realising paypal is NOT the way to do this - the X rate on dollars to sterling is pretty poor even with the current value cause of the dips can anyone recommend an alternative to paypal for the conversion of…
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Savings account where I *REALLY* can't access the money for a while?
I'm a terrible saver, and am looking for some way to put money away every month for a period of time. The problem is, every savings account with a notice period still appears to allow access, but while forfeiting the interest. I am not interested in this - I would like to be able to deposit an amount each month and for the…
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Money Saving Expert NOT comparing ALL Accounts
It is entirely missing the Virgin Money accounts now although it has them listed as a provider.:mad:
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Need help finding the Administrator?
I invested in a Property Company which is going into administration. :( How can I find the Adminstrator to show my interest as a creditor? What exactly do I need to say & do? Thanks for your help!
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Where to save?
We have sold our house and are currently in rental as the new house will not be ready until may/June next year. We have paid off our mortgage and a 10% deposit on the new house. I have £100,000 left to save. £20,000 staying in Santander 123 account at 3% per month. What do I do with the rest, another Santander account or…
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Transferring shares into a SIPP & avoiding CGT
I have been investing in Vodafone since their IPO in the year dot. Now want to sell my current holding (just over £11k) and then buy back into my SIPP. I want to keep my CGT in the current tax year below the level when it would need to be paid. How on earth do I calculate how much I have paid for the shares over the years…
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Pensioner Bonds
The new Pensioner Bonds to be launched by NS&I in January 2015 are taxable. Fair enough, but NS&I (a Government body are they not?) says "Sorry, we're not currently part of the R85 scheme so we can't pay the interest gross on these bonds". As a non tax payer that means filling out the long R40 form and waiting months to…
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Investment allocation question
Hi, I have an investment question regarding the allocation of my funds in a SIPP. I'm a first-timer so just looking for a bit of re-assurance, if possible! By way of background, I'm thinking of starting a SIPP with Fidelity and will hold the Vanguard LifeStrategy 80 fund. (I figure that as I am only 30 I can handle this…
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Notts. B.S. 3% Bond.
Notts building society have issued a 3% bond. Fixed until 30/04/19. Existing customers only. Minimum £1000. Interest paid on 30th April into any account. No withdrawals. Branch only.
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Tax question around SAYE
Hi all, I have about 6k in SAYE options that are showing no signs of maturing anywhere near the option price. :( If I cancel them all now the money will be sent to my bank account but I presume I will pay tax on it. My question is, if I wait the full 5 year term and then choose not to buy the shares and get a refund on all…
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Mini Bonds
Hi all, I was wondering whether anybody has any experience (or any opinions) on using mini bonds such as the one on the link below as part of an investment portfolio? Taylor St. Baristas I appreciate that they are a high risk form of investment as they are unsecured and as such should only form a small part of a portfolio…
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Small lump sum - which fund?
I've an extra £1000 for the ISA this month but am having an indecisive moment here regarding which fund to top up. Opinions welcome. I don't yet have enough of a balance to overly concern myself with allocations. My options are; Indexes: Japan, US, Europe, emerging markets, global property. UK: Woodford or L&G property…
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Advice on New ISA to transfer to
Hi, I have an ISA that is about to expire and I'd like to transfer the money to a new ISA with a good rate. I wndered whether anyone could advise upon the best ISA to transfer to at the present time?
