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Can i invest with a credit card?
Hi all, Could i use my credit card to buy funds in my lisa or sipp? E.g. through hargreaves lansdown. Equally, am i able to take out a small loan, should i ever want to invest? Thank you!
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Stocks and shares ISA - HSBC any good?
Hi all, First time posting, but have been reading and lurking for a while! I have a couple of questions about stocks and shares ISAs that I haven't been able to find addressed anywhere, that I'd be really grateful if you could help me with - please excuse my ignorance! 1. How are stocks and shares ISAs represented visually…
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30k - 1st march deadline
I am 64 and retire in 12 month's . Never had great wages but have added to my isa savings over the years . Will have a DB pension and lump sum when I retire . I helped my son pay for his wedding 6 month's ago leaving myself with 35k savings . I keep 5k in easy access account for emergencies . I have always dealt with big…
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Question on having a help to buy ISA and a LISA
Hello everyone! I haven't been able to find this out so far in my research. Can you get both bonuses when saving in these IF you use the LISA for retirement and the help to buy for your first property? I would like to save with both. Thanks! :)
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Alliance Trust ISA Transfers
Their website says they can only do "cash" transfers into an S&S ISA at the moment. Does anyone know why this is the case or when it may change? No, I haven't asked them yet before anyone says it :)
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Drip-feed calculator for regular savings
Can anyone explain why the drip-feed calculator for regular savings shows this result for a Santander 123 current account on 1.5% and a Santander regular savings account on 5%, drip-feeding £200 per month into the regular savings: "After drip-feeding the cash for 12 months... Total interest earned: £196 £131 from the…
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Best platform ISA and SIPP
Having just purchased my house I am now looking to invest in a SIPP and also an ISA. My SIPP will be for around £1000 (NET) ISA will be circa £1,500 a month with £15k initial to kick start it. Looking at Iweb as an option, but HL seems much more user friendly. From what I can see the 0.45% charge seems to hurt larger fund…
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Join savings account - 2 addresses
Hi My partner and I have some joint savings that is stored in a current account. The amount has grown to a modest amount and we now need to store it in a proper joint savings account. I am curious as to whether banks will allow us to do this if we live at two different addresses. My partner is a carer for her mum and lives…
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ISA - Cashout advice
Hi, Hopefully just a quick one. I currently have £1,600 in an ISA account (Just the standard savings one) I also have just over £1,500 in a savings account. The money is needed to pay a bill that I have, Is it OK to withdraw it from the ISA just now or does the interest not get calculated until April, If that is correct,…
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Current act with better interest than savings act
Hello, I have just got round to cashing in bonds made when I was born and so have had a lot more money in which to save. I met with my bank yesterday and created a new savings account with 1% interest (due to a loyalty scheme) and a current account with 5% interest for the first year and then 1% thereafter (requires income…
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How to sell half of the shares I hold?
I have a certificate for 2,000 shares for a company and I wish to sell half of them. I have been pointed in the direction of x-o.co.uk but I wanted to know if it is simple to sell just 1,000 of the shares and retain the other 1,000 shares.
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£40k to invest for income
My wife & i havn't used our ISA allowance for this year and are looking to invest £40k for income. I am 63 & my wife 61. We will both retire next year. We will both have work place pensions. We have over £300k in ISA's already in Accumilation Units and will look to switch them to income producing. Is 3% return viable and…
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New to investing
Hi all, i am interested in starting to invest, paying in regularly once a month until i retire i am 34 and currently thinking of this as live savings. I have some basic knowledge of how the system works and would like to invest into a fund. I have been looking into Virgin moneys funds and have also looked at Cavendish. Any…
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Lost money making a transfer
Hello! This is my first post here and would like to get some advice. Hope I'm posting in the right place. I am an Indian living in the UK for more than 11 years. I have a life insurance policy with HDFC in India and I have been making my premium payments from here for the last 5 years without any issues. This time, the…
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LISA Government Bonus 2018/19
Hi all, Am I correct in thinking that despite the change to monthly government bonus payments for 2018/19, a £4000 deposit into the account as late as March 2019 will still result in receiving the full £1000 government bonus? Many thanks
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Hammerson and INTU shares on big discount
Both currently priced at about 60% of property NAV value and paying 5.5% and 6.5% in dividends. Hammerson had good results yesterday and yet the share price drifts lower. I can see there might be some risk with shopping centres vs. online but they both seem to be turning in good results regularly and HMSO say occupancy is…
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Lifetime ISA and Marriage
Hi, I am looking for a little bit of advice please. I recently got married but have lived in my now husbands home for the last 3 years. I have just applied for a lifetime ISA as I have never previously owned a property. However I am now wondering if the fact I am married to my husband and he has a property would cause…
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Being gifted 60k
Hi there, my mate is pretty well off - and basically has offered me 60k to spend however I want. Would I have to pay any tax on this? Does he just have to bank transfer me the money, and potentially sign a document saying this is a gift and no more?
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Fund investment through HSBC
Hi all, I have a sum to invest (around 50k) and I am considering fund based on corporate bonds in the UK. As I have an account in HSBC, I would consider it for investing, rather them splitting money into another account. General idea is to put money into for medium-term and, maybe, sell fund for buying a property in the…
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Natwest Switching Offer
I successfully switched to natwest recently because I wanted to receive the £125 bonus. To qualify you have to deposit £1500 into the account which I have done. They say once I've done that I'll get the £125 by the 13th April. I suppose that means I won't get the money a day before the 13th april?