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Missing Shares
My GF suffers from bipolar 1and recently I learned that she had some shares held by a company called Stocktrade. The shares are held in some sort of electronic form. I'm not to sure what that means Anyway the firm ceased doing this type of business some years back and I assumed they wrote and told her this but she didn't…
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Conditions for investing into funds
I am comparing the cost for fixed-fee platforms. For some platforms it is not possible to search online what funds and ETFs they can trade in unless you already have an account. So I asked each to confirm which I would be able to trade if I sign up. One said yes to half on my list but that for the rest they have no holding…
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Global Tracker Portfolio Weightings
I am interested in the idea of global index tracker funds and started with the idea that one global tracker fund would be a total answer - but now I am not so sure. I consider that the weightings used between markets for both the MCSI & FTSE world indexes are unhelpful - both have a strange weighting with excessive US…
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Moneybox app
Hi all, Anyone come across or using this new Moneybox app? Essentially an easy way to get into investments by rounding up you card payments and investing in one of three groups of funds. Looks like a great idea for newbies etc. Would be great to hear from someone who is using it.
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Buying Gold with Child Trust Fund
Hi my first post on MSE so be gentle, I am not much of a financial wizard! My question is, is it wise to buy gold as part of my son's child trust fund? He is 7 and I am looking at a period of 11+ years until it is his to manage. I got a bit disillusioned with the paltry interest rate at his bank so have decided to set him…
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Where to move?
Im really confused, and quite anxious that I do the best thing I can with the little amount of money I will have saved by the end of this year. I currently have £2k in TSB classic (5%) and by the end of the year will have £3030 in their reg saver. (5%) I also will have approx £1k in the HSBC reg saver (4%) I am confused as…
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Seeing the full list of holdings?
Everywhere I look seems to show the top 10 holdings of a particular fund (even the fund websites), is there nowhere showing all the holdings? :(
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Interested to see what others are planning to do...
Hi everyone, I have around £40,700 in different accounts as shown below; £20k in Santander 123 (reduced to 1.5% from next month) £6k in Tesco accounts (2 x 3%) £3k in Halifax HTB ISA (4%) £8920 in club lloyds (2%) £800 - Lloyds saver account £2000 - TSB account (1.5% on £1500) I tried to move as much money as possible to…
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FSCS Limit
The FSCS limit was changed at the beginning of the year as the pound was strong against the Euro. EU rules mean the government must protect deposits up to €100k and review the limit every 5 years. Now obviously the 5 years hasn't come round again but banks aren't looking super stable with all that is going on in the…
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Advice
I have 250k that I wish to invest, however 48k of that is accounted for paying for my mother's nursing home per year.
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London Capital & Finance
Anyone come across these? Are they legit? They look it but, it's a shame, but I don't trust anyone or anything these days..... :( (apart from the great british public in a group forum :p ) Just wondered if anyone had come across them. Basically - give investers great savings interest rates and lend money to businesses.…
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Grounds for optimism?
http://www.express.co.uk/news/politics/718461/Savers-savings-boost-government-change-interest-rates-investing
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Moving money from santander 123
Currently have 30k+ in my current santander 123 (i know i only get interest on 20k) would it be daft to transfer all my money over to NS&I premium bonds after this months last 3% interest payment.... thanks.
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HSBC Sharedealing
I am interested in buyer shares myself but have never done this before - would hsbc sharedealing be a good place to start? Their charges seem reasonable.
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Selling shares in US company
Hi, I'm an executor for an estate of a UK person who held shares in a US company. I've contacted the registrars for that company who require a medallion signature guarantee stamp which a few companies in the uk are able to provide for a fee. For an additional large fee they will complete the transfer and sale of the…
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FTSE 100 and other trackers
I'm interested in buying a FTSE 100 tracker and wondered if you could recommend one. I'm looking to get a better return than locking away money in a bank. What are the differences between a fund and an ETF? I would like the dividends reinvested so do I need an accumulation fund? What other things should I look out for? Is…
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Help To Buy ISA & Building a home
Does anyone know about any rules against using a Help to Buy ISA against the cost of buying land and building a new house? Any advice or guidance appreciated!
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Cashing In Withdrawing Premium Bonds
I have today withdrawn £3000 from my Premium Bonds. After waiting 4 hours and not seeing the money in my linked current account, I just called NS&I to ask where it was. Here's what NS&I told me... <wait for it> It isn't a bank, so it takes 3-5 working days to pay out withdrawals! That's up to 7 days it is earning interest…
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Interest not paid by Santander
I'm hoping someone can help...I have a Santander 123 current account and been enjoying the 3% interest rate over the past few years. However I've been a bit stupid resulting in no interest for the past 18 months and am wondering if I could have any recompense from the bank. On my side I changed utility provider and credit…
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Will the bank of Scotland cut rates on the vantage account?
Or is the reduction of the reward they give on some accounts all they'll do now? I am thinking about opening three after closing my Santander 123 account but don't want to sign up to find they've cut the interest.
