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Bestinvest account transfer fees (SIPP)
I am trying to understand the total cost involved in transferring a Bestinvest SIPP account out to another UK SIPP provider. I know there may fees from the provider accepting the transfer, those are generally less difficult to calculate as they're either a flat fee or free. On page 6, under section "TRANSFER AND ACCOUNT…
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£75000 to invest.
Looking for all advice please. Greatly appreciated. Would be ideal to have £8000 return in 1 year off the 75000. Thanks
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Where to put my 15k
Hi i currently have 15k in an isa paying about 1% was wondering if anyone could suggest where else i could put it, i also have a santander 123 account which is maxed out, was thinking about opening a joint one with one of my parents but when i read it says you cant fund the other from another santander account. Cheers
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Scotish Friendly £94.50 TCB for £90 invested into "My UK Tracker Options" ISA ...
...for 5 years? I know about the subboard, but it seems to be not very busy, and the offer ends very soon. https://www.topcashback.co.uk/scottish_friendly/ http://www.scottishfriendly.co.uk/affiliate/my-uk-tracker-options-isa Investments aren't my cup of tea, and I prefer cash ISAs. Is my understanding correct that…
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Dividend Reinvestment charge
Hi I just found out that when reinvesting your dividend in your Halifax ISA Stock and Share account, the Halifax charges you for commission and stamp duty which is really annoying. It makes sense why my cost of share rises everytime I reinvest my dividend. Is there anyway to avoid being charged when reinvesting my…
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Close Nationwide FlexDirect
I have a Nationwide FlexDirect account, which I opened on 04/11/2014. I earned 5% interest between 04/11/2014 and 04/11/2015. Now I earn 1%. On 04/11/2015 I transferred the balance to my Santander 123 account (which earns 3% interest). They tell me I have to wait another year for the interest to increase from 1% to 5%…
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Help - really struggling to decide what to do with my property
Hi there. I wasn't sure whether to post this in this section or the house buying section but since its more related to investments I posted it here. basically I need some help deciding what to do in my current situation. I own a 2 bed leasehold flat in Kilburn (zone 2 London) with my brother 65-35. we both live in it. I am…
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FSA £75K limit
What's the latest status on this? Are we stuck with it ? I thought providers were meant to be writing to customers over this limit ? Has anyone received letters for ISA and non ISA accounts ?
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Friendly Societies
There seem to be a number of these offering tax exempt savings plans, investment bonds, and regular savers. Does anyone have any experience of these? Are they worth a look? I notice a few of them offer dental and optical healthcare grants too. There doesn't seem to be much on this website about them, so thought I'd ask via…
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Pros and cons of buying lifestrategy funds directly from Vanguard UK
I'm thinking about investing a large sum - in excess of £100,000 - in a Vanguard lifestrategy fund and leaving it there for 10 years or so. I understand that as UK resident I can buy directly from Vanguard when investing over £100,000 without the need for using a platform with its associated expenses. But I remember…
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Savings plan advise please
Hi all, how do you decide how much % of your money goes into what kind of savings? I only earn below 20k a year, nearly 30yrs old. I don't see myself buying a house in the next few years, do not earn enough anyway, so my plan is to increase my savings as much as possible. Current savings planMy current workplace pension…
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Post-RDR funds and differing "levels" of cleanliness
Regarding apparent differing "levels" of fund cleanliness post RDR, mentioned in this thread comment... I hold the HSBC FTSE all-share tracker fund on two different platforms. One platform converted my Retail Class units to Class C units automatically, for free, and seamlessly over a year ago. The other, however,…
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Can someone explain
Hi all I have some investments and have heard that if they are over a certain amount and something happens to the bank I may lose a lump of my money. I tried speaking to the bank and call me thick but I don't understand that the money is not safe, can someone please explain in idiot language what this means.
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Investment Funds & tax (outside ISA)
Hi, My understanding is that as a basic rate taxpayer I don't benefit from having shares in an ISA instead of having them outside an ISA, apart from protection from CGT. However with corporate bonds I do benefit from having them in an ISA as I avoid income tax on them. So it would seem logical to me that if I can't have…
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Household Bills Account
Hi were due to move into our first house in 2 weeks time and I've been meaning to set up a household bill account in which we'll both pay in around £600 a month each which should cover all the bills/food etc. I was going to go with the santander 123 account until the price increase,as were not going to have money sitting…
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fundsnetwork fees via cavandish
Just had a letter frome Fidelity saying they are going to start charging me * a 0.25% service charge on investment trusts and * a £45 pa Investor Fee Is there still any benefit in holding via Cavandish?
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Closing INDEX LINKED SAVINGS CERTIFICATE
My 23rd Issue Index Linked Savings Certificate closes in a few days. As a basic rate tax payer I cannot decide whether to renew for another 3 years or cash it in and lose the tax free status. The rate offered is only 0.05% per year plus RPI Index Linking based on the opening anniversary at each November. The interest rate…
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Isa
Please can anyone recommend a childrens ISA. Thanks.
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Can you be mis sold an ISA.
Not sure if this is in the right place. About 15 years ago ( not too sure about the date) OH and I took out an ISA , we put in £3000 and paid in £100 a month on top of that. It was around the times when a lot of products were "going bad" . After around 6 months into it we discovered that the product we had was worth less…
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New personal saving allowance vs fixed saving account opened now
Hi, I am just thinking of opening fixed account for around 2 years. In April 2016 new rules come into place and everyone on income below approx. 42k income will be able to save £1000 tax free. Main question is: 1. What will happen if I open account now? Will I get all the interests earned until April net and from April…
