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Structured Products
Anyone got any experience of Structured Products? My IFA has included them in a plan for 10% of my investment but a trusted friend has advised not to touch them. What was youe experience of them?
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VERY thick question
Opened a TSB classic account with a view to putting £2k in there to get the 5% rate and also opening the reg saver. I know it says for the classic account the 5% interest is paid monthly, but if I put £2k (and leave it) in there straight away, how much interest will be added that very first month?
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Locking a loss in
I'm sure many of you, like me, lock in a profit up to the CGT limit every year, by switching from one fund to another (bed and breakfasting). But I've just realised that I now have a notional paper loss that I should lock in and carry forward as a loss to set off against future CGT (when I sell one of my investment…
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Anyone else had dramas with Halifax? Or is it just me?
Having a few headaches with Halifax trying to reactivate a dormant account with them. I opened a Help to buy ISA with them recently and paid in the max plus set up a monthly standing order. I must have selected the wrong date for the SO, as when it left my account, Halifax bounced the money back, saying I'd paid in the max…
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Which Credit Suisse fund would you choose?
Which Credit Suisse fund would you choose for high growth and greater risk? CS (Lux) Portfolio Fund Yield CS (Lux) Portfolio Fund Balanced CS (Lux) Portfolio Fund Growth CS (Lux) Global Dividend Plus Equity Thanks in advance.
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Need a business savings account - how difficult can it be?
So it's simple enough, I have an established Ltd business. I have a current and saving account with one bank. FSA bank account protection only covers a certain amount of funds in any one bank so I decide I could do with an account elsewhere. Standing advice is don't got to the bank where you hold your personal account so I…
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S&S tracker
Hi there I am ready to start drip feeding some money into an S&S ISA but some of the charges seem outrageous. Any suggestions for a novice? I have no debt, no mortgage, £40K in cash ISAs and high interest current accounts. Pension should be OK and job security is pretty good (teacher). No dependents apart from two cats. A…
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Best high interest account for a large lump sum
Hi I have a large lump sum from a recent house sale and, while I am working out how to re-invest this in income producing equities, I want to leave it in a bank account that pays good interest. I need to be able to have access to the cash when I need without penalty. High interest account that I have seen have strange…
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What would you do if you had £1m and you wanted to setup income generating asset(s)?
What is a realistic return? 6 percent pa? 8 percent? What would you invest it in Mutual funds? Property (if so then in what country)? Bitcoin? Peer to peer lending (as a lender)? Find an investment fund? I am looking for a steady monthly return here. What would you do?
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Maxed out 123 account, what now without splitting 10 ways?
Hi, I currently have £28,500 sat in a Santader 123 account so a good chunk isn't earning anything so I need to sort that! I've seen the other accounts with decent interest but all others seem to have a £2-5000 cap and I don't want the hassle of managing loads of small accounts. I currently save around £1000 a month, don't…
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S&S ISA application
I currently have a Cash ISA that has been paid into this year. I don't have a S&S ISA. Do I just "Set up your new ISA" then they (Cavendish) would look up my NI number & see I only have a Cash ISA then create a S&S ISA while leaving my other one untouched? If correct, how long does this process take? Transfers can take 4…
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Lump sum investing and asset allocation
Hi all, I am new to posting here though I have been lurking for some time now. I am 25 years old and looking to invest into several index tracker funds. I am going for a 80 stocks: 20 bonds portfolio. I have a (what I feel to be) stupid question that I can't figure out. My question is as follows: I am taking the lump sum…
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Selling BP Shares via Capita = Nightmare
My husband has POA over an elderly relative. When we heard a few weeks ago that she had a terminal illness, we started to liquidate her assets. Every single company and organisation - building societies, insurance companies, other shares-companies, the Government ("granny bonds") responded quickly, recognising the POA and…
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A bit of a late starter
Hi All, Just looking for some advice really. I'm 29 y/o currently in rented property almost @ 40K salary mark (not including bonus) I have been a little careless growing up and got in to a bit of debt but have stayed relatively debt free now for a few years. My focus this last 12 months has been saving for a deposit for a…
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Confused about CTF v junior ISA
Hi, I have children who have CTFs, we picked the account that invests rather than just saves, so the value has fluctuated. I've recently changed their savings accounts to get better rates on savings and thought I'd have a look at the CTFs too, but I am very confused about whether it's best to leave them as they are or…
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Ratesetter
Can someone please tell me how to use it? I have an account and ten pounds in there. I want to lend money and get a good monthly return, what would I need to put in? What return could I get? Have been playing around with it but it seems you have to deposit money first to see what you might get? Don't really understand it.
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What is the difference between Investment trust and S&S ISA?
Aside from the tax wrapper, what is the difference between Investment trust and S&S ISA? I have circa £400 a month to invest. Thanks,
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Using the same bank to switch for bonuses
Couple months ago I created a Santander Current account purely just to switch to First Direct and get the £150 bonus. I'm interested in switching to Halifax for their £100 bonus. I tried to make a HSBC and there seems to be problems and taking a while (not sure why as my FD and M&S account was created very quick and easy).…
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best way to invest ~£110k
Hi all, I've created this account to hopefully get some advice about a large sum of money I will be receiving. I will try to include as much relevant information as possible. We currently rent and my husband earns ~26k. I'm not working at the moment but am actively job hunting as my youngest starts nursery soon. We…
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Acceptable IFA Charges ?
I've been recommended an IFA by a friend I think I'm getting good advice but just wondered if the up front charge might be a bit high. So far he's looked at 3 pensions I've already got (two dead and one ongoing) Advice there is they are doing well and cheap so leave them alone. Plus I have 80k to invest in something which…
