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Master Portfolios
I have just been looking into the portfolio builder at Hargreaves & Lansdown and this seems quite good especially if you don't have a lot of money to invest as you enter the amount you can put in each month, choose the level of risk and it gives you 3 funds to split your money between. Has anyone had any experience with…
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Long term investment advice
I've just had a baby (hurrah!) and would like to give him a small headstart in the future. So, I am looking at min 18 years investment. The aim is growth. I don't have any S&S experience but have done a little reading (Monevator, MSE etc). We will only have around £50-100/month due to other saving commitments and the need…
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Bitgold and royal mint signature gold
Hi I did try a search but no results came up. I have been reading a lot about the newish investment opportunities, I have very little in the way of savings but I am considering either of these as a start to potential savings. I understand that the precious metal market fluctuates but aside from the risk of the market is…
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Investment Gone Wrong.
I invested all my savings of £30K into an arrangement 2 years ago. It was with a local business man who runs an estate agents. He is quite well known to be a genuine person (or so I thought!) and I had some money lying around so I asked about investments and he told me about one particular option available. He buys a…
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Best Saving Accounts
Hi all, I've finally managed to turn myself into a saver from a debt payer! While I do still have debt it is all on a 0% 36 month credit card and I can budget to average the payments over the 36 months from my salary to clear in this time. I also have no overdraft. I am looking to save around £200 per month and I am trying…
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Savings Diary?
Do people keep savings dairies on here like they do with DFW and MFW? Would love to start one as I'm saving for a wedding and want to keep myself on track and be able to look back on it when it's all done and dusted!
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Best place to stick £20k for 7 months?
I've got £20k sat in my deposit account ready to pay off a chunk of mortgage in January 2016 when I next can pay off 10% without incurring a penalty. I have my full ISA allowance remaining this year. My deposit account pays a pittance in interest. Toying with the idea of putting £15k in my Hargreaves Lansdown ISA and…
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Increasing my savings...
Hello, I currently have £23k. I have £20k in a fixed ISA until next year and the remaining in current and savings accounts. I am currently saving for a house. I know I have more than a decent deposit however would like to double the above. My two savings accounts pay around 1% and I tend to half my wage (£500+) and pay…
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Savings advice
Hi, i am a new user and after some savings advice.....I want to open 2 savings accounts, 1 which is not to be touched and 1 which is accessible. These are both going to be in joint names. I will be opening both with £1000 each and paying in £250 per month into both. I currently bank with Barclays and i have always used…
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Bank of scotland tax deduction certificates
Can anyone please tell me when I can locate these on my internet banking please and thank you.
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Need savings advice.
Hello. I currently have around £8k that's been sitting in the most basic Barclays Cash Card account for a few months, earning no interest (to my knowledge) and today decided that I'll actually make use of it. I'd like some advice on what to do with the money. Currently, I'm thinking about putting £1k into Funding Circle…
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Critique my investment / savings please! All comments welcome :)
A year ago, I came into some money, which I've invested in a few different things. I asked advice on here about 6 months ago, but my circumstances have changed slightly, so rather than keep asking I did my own thing. But now I feel its time for a review: Firstly, about me: I'm 34, live with my fiancee, we're getting…
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Question about DIY Index Trackers
So I'm just starting to think about some long term investment options and am considering putting something in an FTSE index tracker. I need to do quite a bit more research before i commit, but have a few questions i can't seem to find answers to. My main one is this: why can't i just create my own portfolio of shares on…
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Mortgage overpayment vs investing
Hi everyone I have a mortgage that has just over 24 years to run. I have a fixed rate that has just over a year to run. I have an emergency fund of roughly 6 months expenses. I've just done a free online investment course and am sure I want to invest at least some of my spare cash and maybe overpay my mortgage also (this…
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How long could you manage if you were fired tomorrow?
This is something I didn't really think about before this year. I have no savings, a sizeable amount of debt however, and lots of direct debits to pay each month. But I had more money coming in that was going out, so the debts were slowly being paid off, and life was comfortable. Then at the end of last year some things…
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What Multi Asset Funds
Going for 2 SIPPs & 2 ISAs with Fidelity (Cheap, but not cheapest but like web site its easy to navigate and spoke with them on phone and seem to be contactable without issue and friendly without being pushy) Will use Multi Asset to give me some diversification of risk spread (geography, property, shares/bonds, etc.)…
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Maximum deposit/savings limit on Lloyds cash account??
I plan to save up, and i am wondering what Lloyds has as the maximum limit that i can hold in a cash savings account? Before they go telling the Government that is, and what is the maximum amount of deposit i could make with them every 2 weeks or every month before they start complaining that i am saving too much? Any…
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Why hold bonds at all?
I am a relative novice investor and like to keep things simple as possible. Assuming you don’t have a huge portfolio and can get 3-5% interest on current accounts why would you hold bonds for a similar yield but risk of loss? I currently have a combination of cash in “high” interest rate accounts and investments solely in…
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Clydesdale/Yorkshire Bank - 150 bangers
Hi, just wondering if anyone has any experience of switching to either of these banks and collecting the £150 switch bonus. I don't hear a lot about them. I was recently declined by First Direct so wondering if these would be any good.
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Can I withdraw from last year's S&S ISA and put into this year's S&S ISA?
I have two S&S ISA accounts and one I am subscribed to this year. Can I withdraw cash from last year's ISA and place it into this year's one?
