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Investment Help!
I have registered today in order to get some advice. I have inherited a reasonably large amount of money after the death of my parents. After spending some money on house renovations and settling some outstanding debts, I have got £90000 to invest. I'm 46, don't have a pension of any description, have no savings and no…
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Here's one for you all - enjoy
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advice pls - isa v regular savings v credit union??
Hello guys I will be receiving a few grand in the next few weeks, what I plan to do come April 2017 is put it in a lifetime savers when they launch, but just looking advice on what to do with it in the meantime? Should I put it in an isa? Or open up a regular savings account like the Nationwide 5%? But can I take it out of…
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Closing a no withdrawal savings account.
I recently deposited a sum of money in a 2 year fixed savings account with no withdrawals! I now need the funds from the account. I spoke to the bank in question and they say it is unlikely that I can withdraw my funds early, however I should write to them to explain the reason why I require the funds and they will look at…
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Investing a large sum
So, say you get 100k tax free..... where would you invest, of HOW would you invest? Pay off part of mortgage, get a buy to let, shares, isa's etc etc?
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iWeb gold ETF question
iWeb charge 1.5% on all USD funds for currency transactions. GBP funds iWeb offers: DB Physical Gold GBP Hedge ETC - XGLS (TER 1.00%) Description states "The investment seeks to replicate, net of expenses, the gold spot price." No mention of holding physical gold despite what the name implies. The Legal Structure is…
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How do I put my shares into an ISA?
I have 2,000 shares from my ex-employers share save scheme that I now own. They are worth £30k so I need to put half of them into an ISA but I'm struggling to understand all the info around these ISAs and how to find one I can put my own shares into. Can anyone direct me to somewhere useful please?
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X-O opinions please : looking for CSD alternatives.
Canvassing opinion on X-O. I know some here use them and I'm interested in problems, if any, that folks might have encountered. Mostly relating to delayed dividend payments and other account transaction difficulties, but anything at all will be a great help. I'm planning some major changes since CSD announced their fee…
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Bank Loan into Funding Circle?
I can currently borrow £10,000 from my bank at 3.3% (I've got good credit so I'd get this rate) and the estimated rate of return after bad debts at Funding Circle is around 7.5% I could borrow from the bank, then put all that cash into P2P lending, and make £400 a year for doing not a lot. Why would this not be a good…
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How would you invest
Hello everybody, I'm Tony, I'm 31 and I'm new here. In an ideal world I would like to retire early with a consistent income from investments. How would you guys invest £250 a month? Thanks for your thoughts :money: Tony
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Money advice
Hi, we need some advice relating to short term easy access savings. We have sold our house and whist we will be purchasing another home at some point, we want to find the best place for our savings which will result in the best return. A mission in itself! We have £372k to spread around which needs to be protected under…
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Investing is more ethical than giving to charity
While giving to charity is undoubtedly helpful, it doesn't benefit from reinvestment like share/fund investing does, as price rises and reinvestment of dividends in the secondary market makes ever more funding available for companies should they issue new shares, whilst also the secondary market is important for…
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MSE News: All Halifax Help to Buy ISA customers to be hit with rate reductions
Halifax will once again chop the interest rate it offers on its Help to Buy ISA to as low as 2% from 8 December...Read the full story: 'All Halifax Help to Buy ISA customers to be hit with rate reductions later this year' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how…
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Investment/Savings for British Child while living outside EU
Hi money gurus, I'm British but have been living outside the EU for over 8 years and have a young son (nearly 3 years old), he's also a British citizen. I'd like to open a savings and/or investment account in the UK (next time I visit) so that myself and close relatives can contribute to his savings as he grows up. The aim…
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Bank account DD query
A lot of bank accounts seem to require 2 direct debits in order to qualify for various offers. Does anyone know if two payments to the same company would count? e.g. I have two DDs going out each month to ebay for two different accounts. I've had a look at the bank T&Cs but none seem to address this that I can see. Has…
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CSD charges
CSD look like the latest to adjust platform charges. Time to get the calculator out... again. £10 to £11.50 for share dealing is the one that'll hurt me most. The requirement to trade once a month rather than 6 times every 6 months to qualify for the platform fee waiver also makes things a lot trickier for rebalance timing.
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Where to get info on upcoming economy events?
Hi all, Does anyone know of a site which - in simple terms - explains what events are coming up which could have an impact on the markets? (specifically FTSE). For example, when the US next thinks about increasing the interest rate etc.. I remember seeing an article on Interactive Investor along the lines of "whats coming…
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Please Help Me Understand Gilt Fund Performance
Hi, I'm a bit confused about how some of my DC pension funds which are invested Gilts and Bonds can have apparently massive Unit Price appreciation. Would anyone be so good as to help me understand or point me to an explanation. Here's the story. Today I was looking at the performance of my DC pension into which there are…
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Saving 1.5k/month - please help!
Hi, Newbie here. I am in a position to be able to save 1.5k-2k a month and wondering what the best way to invest/save it is in order to get the best returns. I've read all the relevant forum posts and blogs etc for a while but still uncertain. Deciding to open a 1) Baclays help to buy ISA 2) open Nationwide flexclusive…
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Co-Executor of Will Problems
Hi all, Hope this is the right forum for this (found another thread similar in this part of the forum). If not, please move to correct forum. Right, I'm hoping someone could advise me here. My Aunt (my Mother's sister) was diagnosed with cancer in 2013. She knew it was terminal so she set out her will early. She made my…
