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Can I open an ISA for my 18 year old son?
My son is 18 and is about to inherit a sum of money. He is currently typically irresponsible with money and I worry he will blow the lot so want to look at ways he can maximise it without blowing the lot. I know that he is classed as an adult at 18 but in truth he isn't mature enough to handle this money responsibly. (I…
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problem applying for Nationwide FlexDirect
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How safe is my ISA
Is it safe to hold more than 50k in an ISA with one provider? If I had 100k would it be better to have 50k with 2 providers? These are stocks and shares ISA not cash What about if I have a share dealing account with the same provider Would it make sense to move that to someone else?
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Accumulation or Income
I am 36 and about to deposit £80,000 into two ISAs (my wife and I) over the next six months. My wife does not currently work therefore has no income. My plan is invest in funds but am unsure if I should go with accumulation or income. I believe you are allowed to have £10,000 capital gains tax free in a financial year? I…
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Woodford Patient Capital Trust
Down another 3% today, discount pretty much 9.5% and available at 82p today. TheWoodford blog seems to be filled with people who are no longer Patient after a series of big setbacks. Just wondered if anyone is tempted... someone placed a £367,000 buy late this afternoon but there seems to be plenty getting out as well.…
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Drawdown but still investing
Hi all I'm currently in receipt of drawdown. Could someone tell me how much I can continue to invest in my pension per annum. I started drawdown in Sept. 17 Thanks
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Crypto Index Funds ?
Just wondering... do such things even exist on popular platforms yet?
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Splitting Stocks & Shares Isa Allowance between providers.
I already have a stocks & shares ISA with one provider (Nutmeg) which I have been paying in a small monthly amount of £20 a month in every month for the past 3 years. Is it possible I can open another stocks and shares ISA with another provider this year and put a lump sum in of around £1000 to take advantage of another…
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savings
Hi I am trying to find the best savings account for around £80,000 at the moment I have Tree Santander accounts and one Halifax but the interest is low help needed.
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Vanguard to use Blockchain
http://www.investmentnews.com/article/20171212/FREE/171219979/vanguard-will-use-blockchain-to-share-index-data
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Paying debts with inheritance ? Deprivation of capital ?
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Santander Regular Saver
Hi, I wonder if somebody can help me please ? The Santander Regular Saver account is advertised as follows. If you've a Santander 123 current account or 123 credit card, you can apply for its regular saver paying 5% AER fixed for a year on up to £200/mth. So, if you deposit £200/mth that would give £2,400 in a year and 5%…
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IG Custody Fee
From Spring 2018, IG are introducing a £24 per quarter custody fee (with an exemption if you trade three or more times during the quarter).
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NS&I. Bonds or stay with ISA
Hi, My 3year fixed Virgin ISA ends on 24th December. My options with Virgin are one year fix at 1.41% or 3 years at 1.65%. I have £38,750 to invest and won’t need the money for 3 years. I have maximum amounts in high interest bank accounts. Should I stick with ISA or go with NS & I Guaranteed growth bond at 2.2% for 3 year…
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Calculating Interest for Tax Form
My wife had a Bond mature in May this year. It had run for 2 years. In the previous tax years she was not liable for Tax as her earnings both from employment and interest was below her tax code plus free from tax element of interest ie.£1,000 However this tax year she will be liable and is confused (as I am) as to what…
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Barclays Smart Investor Log In
Is anyone else having trouble with the new log in procedure? I received the relevant information in the post as promised and went to log in last week (am recovering from illness which is why I have not been able to do it before now) only to be asked for certain characters from a memorable word. To my knowledge I have never…
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Tax on shares
Hi! I've always had a stocks and shares ISA so have never had to worry about this. At the moment I'm thinking about whether to expand my investments outwith the £20k limit and buy normal, non-ISA shares as well. I'm a higher-rate tax-payer and I understand I get £11,300 of tax-free profit per year from any capital gains…
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Is money held covered?
In the event of another banking crisis individuals cash balances are protected up to £85,000. I have read the MSE guide on this subject and understand it is per individual per institution (in this case per bank or banking group). Does anyone know what happens where a company is holding client money in a ring fenced bank…
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Defensive investing!!
Hi Folks, I'm looking for your thoughts! I am 60 and recently retired. My Wife and I will be funding our time until State Pension using lump sums to beef up my final salary pension. In addition, we have S&S ISAs with Bestinvest, totalling around £100k Around 80% in their most defensive fund and 20% in the 'growth' fund. We…
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Best savingsaccounts
What are the best savings accounts around up to 15 k ?
