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Tesco Internet Saver rate down to .4% on 8th November
More good news, not, Slim Pickens at it again. Just noticed that Tesco on their savings page for Internet Saver are reducing the variable interest currently 0.75%, going down to 0.4% on November 8th 2016. Of course there is the initial 12 month bonus currently 0.32% but that would still only leave a rate of 0.72% after 8th.
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Where to save £30000?
I wonder if anyone can come up with some good suggestions as I am sitting on some cash which I don't know where to invest. At the moment I have £30000 in premium bonds that I was building up towards buying a house for letting. The whole idea was to invest the money in property to help come retirement age as I have no…
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Query regarding Degiro T&C
So I was browsing through Degiro's library of reference documents and noted the following rather disconcerting entry, so I thought i'd throw it out there for some comments, opinions. Beleggersgiro as I understand it is the third party whose sole function is the safekeeping of financial instruments purchased by Degiro's…
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How do hedge funds generate alpha?
How do hedge/topiary funds do better than other active management and the index? Is it that with high fees they can afford more research? Is it that secrecy allows them to make insane risks/allocations that retail investors wouldn't tolerate? Or is it just leverage making it look like they're better stockpickers when…
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HELP!!! Advice needed with saving
Hi everyone First time poster here. I hope this is the right place to be seeking general advice and help regarding savings. I've never really been in a particularly strong position to actually do any serious saving until now so I don't really want to just open the first savings account that my current bank (Halifax) offers…
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Tracking down old fund data
I was wondering if anyone knew a good resource to find data on old investment trusts and unit trusts. I have shares in what was originally known as the Ivory and Sime ISIS Investment trust. Over the years, it has been merged, had name changes, ownership changes and share consolidations/swaps. I'm looking for a list of key…
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Lloyds Group Share ISA
Has anyone else been advised by Lloyds that they will no longer administer their own share ISA? I have a letter from them saying that it will be outsourced to EFSL from 31st October the cost of which will be 'subsidised by them for 2 years'. Read the enclosed price list and from the end of this period the cost is then £12…
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Atom Bank
Is Atom Bank secure?
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How to get best return for children
Hi, I am looking to put aside about £1000pa for my child over the next 20+ years (roughly). Any ideas on what I would be best to do with that so that I get the best return? Likely I would be putting away £85 per month. Currently I have two Santander 1-2-3 accounts getting 3% interest (one is joint with my wife). Should I…
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Couple of questions on asset allocation
Good afternoon to all, I’m in the middle of reading the much recommended Tim Hale’s Smarter Investing and I have a couple of questions regarding asset allocation (ie. % cash/equity/bonds/property). First; property. How do you deal with 1) Residential property – is this usually left out from the calculations as regardless…
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Best way to invest childrens money
Hi all, I'd appreciate your help and views please. I have three kids age 9,7 and 3. They each have savings approx. as follows and their current 'lock-in' deal has matured. 9yr old - £10,000 8yr old - £8,000 3yr old - £1,000 The money is made up of a mixture of Family gifts, trust bonds and regular payments (~£20 p/mth…
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Help to Buy ISA Help! (Government Bonus)
Hi all, long term reader, first term poster!! Hoping you all can help me make sense of my help to buy ISA. I'll quickly explain my circumstances: I opened a help to buy ISA in Jan 2016 and have a completion date for my new property in mid October. I have a standing order set up for the 1st of each month so I plan on…
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tsb & lloyds monthlys savers ending soon
so with my Lloyds and tsb about to both end after the 12 month term, weres best to stick the cash now. I know quite a lot of places have dropped interest rates and if im honest I was going to take the money and just stick it into my Halifax online savings account which doesn't even pay interest, or my first direct bonus…
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Where should my daughter invest £2000
Hi my daughter has £2000 saved up but it's not in any account that pays interest as we have not been able to decide where to invest it short term upto 2 years. Where should she invest some tell me premium bonds but I'm not sure Any advice would be greatly appreciated Thanks
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Becoming an IFA and joining family business
Hello, Wonder if anyone could help me and perhaps offer some advice? My father runs his own IFA business which has been going for many years (probably about 20 years now) but he is around 8-10 years from retirement and has asked me whether I would like to join? I am a 42 years old and have not worked in the financial…
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Saving for an MBA and house deposit
Here's my situation - I'm an expat in Vietnam (originally from the UK), have been reading the forums for a while and find them really helpful. I have no debt but also own no property. Right now I can save about £900 a month. I've just started an MBA which I need to get to the next level, and almost everything is going…
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How can I buy VWO?
Other than direct from Vanguard, my search suggests this can only be bought from HL and only for SIPP. Does any other UK platform/provider make this available for SIPP and/or ISA? I am with Youinvest (AJ Bell) and have EMIM which I like but lowering the management fee from 0.25% to 0.15% would be nice, despite losing Korea…
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Paragon Bank
Have applied for and been granted fixed rate account with Paragon. I like to do a small initial transfer to check all working OK. Especially as in this case money is routed via a third party (HSBC). My initial transfer has been declined as insufficient and has I'm told been transferred back to me. A second transfer of…
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Virgin Money dropping rates
Dropping rates 15 Oct
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Supermarket shares, help please.
Hi there, was wondering if anybody could point me in the right direction. I work for one of the large supermarkets part time and have built up some free shares, (unsure as to how many). It occurred to me today that they won't be earning interest (I think) and that I might be better cashing them in and putting them in a…
