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SAYE schemes post-redundancy
Good morning, I was made redundant recently, and had been participating in a SAYE scheme for the past three years. A letter from the SAYE administrator has come through the door containing amongst other things, a direct debit form so that I can continue to save money in to the SAYE scheme. There doesn't seem to be anything…
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No idea what to do
I never thought I would have this problem,no mortgage,no debts,still working earning a nice salary aged 61. Two pension pots with 280k and putting in £1400 a month. S&S ISA,s with 200k Cash Isas 145K House value 380k Various shares and NS&I savings 50K I have an IFA and recently took profit, sitting with 100k in cash in…
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what are you saving for?
Hi all Hubby and I want to save more. Savings rates seem very low, but we are hoping to be disciplined enough to put money aside each month. There are loads of topics about being debt free or mortgage free, but what else are you all saving for. Do you have particular goals, is it is just the point to save as much as you…
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First Direct Regular Saver
Just looking at opening a new Regular Saver account. What do you think of the First Direct Regular Saver? It seems to pay a 5% rate but can't see any mention of it on the MSE pages? http://www1.firstdirect.com/1/2/savings/regular-savings-account
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Transferring money between spouses
Hi, I have a question regarding transfers between spouses. My wife has a bank account in Spain (in her sole name) from which we wish to transfer some funds to my bank account in the UK (in my sole name). As I understand, inter-spousal transfers in the UK are not subject to any kind of tax (correct me if this is not…
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Santander shares dividends
Anyone tried to claim back their Spanish tax. I am a pensioner and not a tax payer and so should not be paying the Spanish tax.:o It seems to be a bit hit and miss and there must be plenty of pensioners in the same boat. With interest rates at an all time low we need to recoup our own money!!
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Dogs of the DOW UK funds?
Am I blind or is there nothing like this on Fidelity FundsNetwork? US/FTSE targeted ones
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Etoro-Do they ring you?
I signed up to etoro but haven't deposited yet. I got a call from an account manager asking when I could deposit and what things they could offer me. Seemed strange in funny about depositing over the phone anyway so I doubt I will be doing that. They seems a reputable company and I like the social aspect of their trading…
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Wrong advice from bank on Investment
Hi there, Need some help and advice if at all possible please? Our bank did a review of an investment they recommended (PIP) in 2010 and have written to us that they in fact didn't consider one of us was a non tax payer when recommending this product (even though their advisor was informed) and through this we could have…
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Are these suitable funds for a JISA?
Hi, Been asking questions around JISA's for the last couple of months, with a view to investing in a fund (or collection of funds) for my 5 month old boy. I was originally looking at the Vanguard Lifestrategy 60% Acc. fund. But having signed up with HL and placed some money on account ready to invest, I am now looking…
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HL introduce ETF regular savings
Just received an email that HL have introduced regular savings into ETFs! Something I have been hoping for a while. Previously they only allowed regular savings into funds and FTSE 350 stocks and selected investment trusts. Dealing commission is the same fixed rate of £1.50 per trade. Just a shame that they have only…
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USD Cash account in UK
I have $10,000 USD in cash held in a safety deposit box. I will want to access this cash in the future and don't want to convert to it sterling at this time (even with good exchange rate). The safety deposit box company are going to start charging me for holding cash in there, so I am looking for a free bank for account…
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Re-organising ETF investments to maximise tax allowances
I have an S&S ISA containing individual shares and ETFs (ISF and IUKD) In response to falling interest rates I have also recently bought bond ETFs outside the ISA (EEXF, ISFX and INXG) As I understand it, share-based ETFs qualify for the new £5000 dividend allowance but bond-based ETFs do not. Is this correct? If so, it…
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Hooray for savings rates cuts
I figure you wouldn't need to hold many shares in a bank to benefit more than you lose from any cuts they make to current account rewards and savings interest Question is how much would you need invested? How much would the banks dividends improve for these rate cuts? Some of you probably would be net beneficiaries ;)
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savings
Hi im looking to save £6.000+ a year anyadvice
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Moving money from South Africa to the UK
I would like to get some advice on what to do with savings I have in South Africa. At the moment I get about 6.6% interest on the money in an account in South Africa. I need to give 3 months notice if I want to move the money. With the pound that has fallen slightly I am wondering if it would be a good time to move the…
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TD Direct sold to Interactive Investor
https://www.moneymarketing.co.uk/interactive-investor-acquires-td-direct/ http://www.tddirectinvesting.co.uk/special-pages/customer-information/?_ga=1.259966666.1942136220.1414500024 No change to the TD service in the short term.
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Halifax Reward going down
Today I read that it will pay £3.00 instead the £5.00 a month. It needs £750 a month and 2 direct debits.
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Moving to the Continent - best strategy for transferring savings into Euros?
Hi folks, I'm planning to move to the Continent for about 10 years, moving within the next 6 months and I currently have all my savings in Pounds. I am wondering what the best tactic would be for transferring most of my savings from Pounds into Euros, to minimise losses due to the exchange rate fluctuation? Obviously with…
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P2P rates now falling
Saving Stream have just sent out an email saying 'Surging investment demand leads to rate adjustment' Saving Stream has been offering amongst the best risk-adjusted-returns in the market to peer-to-peer investors for 4 years. In that time, over 11,000 people have invested through Saving Stream and been paid a total of £13m…
