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Keeping investing ratios consistent - asset allocation
Still slowly working my way through Tim Hale's book Smarter Investing & getting to the section about asset allocation as well as reading about this on other sites like Monevator as well. It made me think - I contribute monthly. Bearing in mind that there are minimum amounts that can be invested in to a fund - i think with…
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Moneybox 21/10/2017
Good discussion at the end of Money Box about average rates across the sector, and new accounts from challenger banks like RCI.
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Keeping Track of savings etc - Spreadsheet or Software ?
How does everyone keep track of all the different accounts they hold, how much is held in them and any maturity dates, etc. Are you all using your own spreadsheet or something similar ? I've been using a very basic spreadsheet but looking to do something a bit more as I have lots of old accounts on it too that are no…
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Bond advice
Hi, I'm with ii and would like to buy an additional bond fund to accompany my existing Jupiter strategic Bond inc (09Q4). The charges for this fund are 0.73% and it currently yields approx 4%. I'm looking at the M&G Optimal income inc fund and appear to have a choice of M&G Optimal income Inst inc (J669) or M&G Optimal…
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Savings Newbie - Opinion?
Hi! I'm new to this forum - sorry if a similar question has already been asked. I have just graduated from university this summer and I have recently started at my new job. I want to make the most of my money each month but still want to enjoy it too. I have been looking at the NatWest Savings Builder account which offers…
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Transferring previous year’s ISA
Hi all If I’ve invested in a S&S ISA for multiple years and changed the funds in it over time, when transferring only previous years contributions to a new ISA provider how will the ISA decide which funds to transfer over? I ask this as I have a plan to start investing monthly into a Vanguard S&S ISA, then every couple of…
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Playing with currency £ to € and back
Hey folks. Currently have some savings and was thinking of swapping pounds for euros and vice versa when rates fluctuate. I work in Europe and earn and deal in Euros however I have decent savings in my UK account. I was thinking of say when the £ to € rate hits say 1.15 transferring a large amount (probably around 5k) then…
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Interserve
I noticed Interserve shares dropped by 25p today to 65p - a year ago they were trading at £4ish. Anyone think they may be a good pick for a recovery anytime soon, or are they a basket case going the way of Monarch a few weeks ago? Anyone just sold out recently and escaped the latest tanking?
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Scam: "Global Investments" spam calls since Equifax?
Odd question: is anyone else getting 2/3 calls a week from a (bad) offshore call centre punting "Global Investments Agency" or similar? Noted they started the day after the Equifax scam went public...
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Newbie needing guidance
Hi, I am a single earner of 21,000 take home after tax.. I have 0 equity living in rented accommodation .. I'm £27000 in debt which is manageable.. I'm looking at ways to plan for the future as my child wants to go to university .. please help . Many thanks ..
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How many Bank accounts?
Hi all, Newbie here... Apologies if this has been asked before. I hope to be debt free by Jan 18 and want to start saving after that. Before any long term goals, I need to save the fees for my masters (hoping to start it Sept '18 part time while working full time) and for emergency fund. I'm not very clear on whether I…
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Tesco Savings DDs
I can't see that this has been picked up yet, and with my first post I really hate to be the breaker of bad news ! However, last week I opened a new Tesco Internet saver and just got the paperwork through today. In it, was a booklet, 'Changes to our Tesco Bank Internet Saver & Instant Access T&Cs' Summary of key changes -…
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Good time to clear mortgage with savings?
Hi I've been pondering what to do with our savings for a few weeks. In a fairly well paid job an have managed to save £32k in last 2 1/2 years. This is all currently in a Nationwide easy access ISA at 0.75% Also currently have a mortgage with Nationwide of 37K at a rate of 1.49%, this will expire in April although there…
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What to do with 100K just sitting there?
Hello, I wonder if someone can help me with a question about the best way to invest £100 K? It might seem easy, but there are a number of circumstances which are limiting me. I am a single male in my 40s. * I know the obvious example would be in property (especially as I rent right now). But I live in London at the moment…
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Free portfolio analysis tools
I wonder what the best freely available tools are to analyse investment portfolios? I have played with Morningstar's stocks and share portfolio tool and note some of the features are available on an additional subscription. Are there better "free" tools available based on this forum members experience and do any provide or…
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Investment option somewhere between shares tracker and savings account
I'm looking for an investment option somewhere between a shares tracker and a savings account. My current situation: - 1.5 times gross salary in savings accounts earning 1% interest - 2 times gross salary in FTSE All Share tracker ISA - 4 times gross salary in DC pension (and I'm feeding 50% of gross salary in via salary…
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Guaranteed investment bond help
I have a guaranteed investment bond with Met Life, and would like some feedback on this product.. I am trying to find out if this a worthy product in todays financial climate. Most of the funds are invested with fidelity corporate bonds, the smaller portion with blackjack global growth fund. My plan was to leave the funds…
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£100k to invest BUT bad credit history...
Hi, having sold our house (now renting) we are now nicely debt free and looking to start investing the equity from the sale. A seriously poor credit history may make this difficult I guess, even opening a decent bank account will be tough, or do you know differently? Does rocking up with fairly big deposits make a…
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Where best to invest my £20K?
Hi, I have £20K to invest in the short-term, I am looking to use the money in 18-14 months when we remortgage in order to do some major building work to the house. My question is where best to invest this over that period of time to gain the best ROI? I am happy for something that is higher risk such as an Investment Trust…
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Crypto cash Question $$
Hi all, Has anybody had any experience with bitcoin as was thinking of buying a few, I know that there are other currencies available but this one piqued my interest when it was launched. I just wanted to know if there is any way to buy them without using hefty broker companies which all seem to offer the same service when…
