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How early can you retire?
The thread title is the thought running through my head as I wake up on my last day left of the two week holiday I took from work. Going back to work sucks, its a job which provides a means to an end and funds my current lifestyle, but I wouldnt like to continue until I retire. I'm going to figure out how long it would…
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National savings investment account
After going through some old paper work I found my old national bank investment account my mum set up for me as a child does anyone know how much would be in it now it was opened with £10 in 1985 the last balance on the account waswas £30 1986.
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Performance of 70% Equity Portfolio?
Can anyone advise which would be the best benchmark to use to gauge how a portfolio has performed which is 70% invested in equity funds (mainly UK & European) and 30% in a global bond fund. £100k was invested in March 1999 and had grown to £189k by March 2015. I have calculated that this is about 4% pa growth after charges…
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Anyone else making a loss on all their S&S investments?
After 8 years of being 'invested' my pension is down around 15%. I have a few S&S ISAs that have been invested for a few years also all showing losses. My conclusion is that the stockmarket is itself a 'dead loss' at the moment and only earning money for the people running it. I have a fairly diverse mix of funds,…
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Birmingham & Midshires constant delayed Faster Payment
Really inconvenient processed a FP transfer yesterday but still not received at account. Checked on B & M Online & says not due to be processed until Monday 16/11. Really poor service. Seems to happen every time I do a B & M FP-Other sites are almost instant.
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Pensioner Bonds
Just received a communication from NS&I saying we will receive written reinvestment options when the time comes but queries can't be answered by phone in the meantime. Has anybody seen any news about what reinvestment options are likely to be, if indeed the bonds will be capable of being rolled over and continued in their…
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my child has inherited 7k - where to put it?
As the title says my daughter [11 in Jan] is to soon receive 7k from her grandad. I have been looking at JISIs @3% which will lock the savings away til she's 18 which I like the idea of. Can anyone advise is there anything better I should be looking at that isn't too complicated and are there any downsides to going with a…
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Intermediate investment book recommendation
Hi, I've read 3 basic investment books and I want to move to the next step. If there's one thing I've learned by reading this book is how complex the investment topic is and how little I still know about it. It would be ideal for me to find a book that have more advance topics in asset selection, perhaps some mathematical…
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Newbie with small savings, switch ISA, Zopa, Club Lloyd?
Finance newbie here, be gentle. :A I put £4000 into a NS&I easy access cash ISA a few months ago, but the rate has gone down so I'm wondering if I should / could move it to either a Stocks & Shares ISA or a fixed-rate ISA, or would I have to wait until the next tax year? I'm also considering investing the money with Zopa…
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Shares - cheques out of date
I have shares and the companies send me cheques every now and again. I moved and did not inform them at the time. I have since wrote to them and they say they have cheques for me but I have to pay an admin charge of £20.00 per cheque. Total £80.00 admin charge. Could I ask for 1 cheque to be sent for the total amount,…
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Monthly Income
I have around £250,000 to invest in the hope of getting around 5% to boost my meager pension. I am considering the vanguard life strategy options but any cost effective solutions/advice would be very helpful. I also spotted in one of the posts reference to a "monthly income thread" on here. I have searched but can't find…
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Monthly Income
I have around £250,000 to invest in the hope of getting around 5% to boost my meager pension. I am considering the vanguard life strategy options but any cost effective solutions/advice would be very helpfull. I also spotted in one of the posts reference to a "monthly income thread" on here. I have searched but can't find…
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saving for a mortgage deposit
afternoon all, i've had a mixed financial past, but am now totally debt free and have a sum of money that i'd like to put towards starting to save for a deposit on a mortgage. i'd like to invest the lump sum and add to it monthly and obviously get the best interest rate possible. is there a product out there that can do…
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Management
There is a strongly held view by many in the investment world, that management is critical to the growth of a company. Therefore, my question is that when investing in a company on a stock exchange, e.g. the LSE, how do you go about ascertaining the quality of the management team in place? Is there any way to communicate…
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Whats Hargreaves lansdown's management performance like?
Hi I have been messing around buying and selling shares & funds for several years now and do ok, I like to try and manage 10% growth which I have sometimes managed well over and sometimes well under. Hargreaves lansdown keeps sending me emails to say let them manage it but never give any past performance figures to see how…
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Help from someone financially clever
I really need some help as I don't know what to do. Please bear with me as I go through my circumstances. I was made redundant a couple of months ago and luckily I have found another job and not had to touch my redundancy money. When I combine it with my savings I have 24k which is an awful lot of money, i never thought…
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French Property Lease backs
Hi I'm looking for advice on leaseback property investments in France. I have recently started looking into them and they seem a very attractive investment opportunity. They seem relatively low risk and very hands free for length of the lease back term. Does anyone have any advice or feedback on experiences they have with…
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Can a building society really stop me closing an account?
I have a Santander 2 year fixed rate bond with £50k+ in it. I went into branch today to remove the money as we have decided it would work better for us elsewhere. We were told in branch that we cannot remove the money until the bond matures. Can they really hold on to money which is ours?
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Does anyone else do an annual savings review?
I thought it would be interesting to find out whether other people do as I do and work out an annual savings target, review interest rates on savings accounts etc etc as I have just done mine for 2016. At the beginning of this year I embarked on stocks and shares investing for the first time and have been investing monthly…
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Dragon Oil Share Claim
I hope the following information will help anyone who finds themselves with the same questions I had. Back in the 1990's I bought some Dragon Oil shares when there was a rumour they would increase in value in the coming months. I have moved house so did not receive any documents about the ENOC acquisition earlier this…
