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Short Term Saving for 25k
Hi, I'm looking for the best place to save £20k to £25k for a period of 6 months, as I have plans for the cash. Does anyone have any suggestions? Thanks!
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Will interest rates will rise at the end of Feb?
Seems as the low interest era is well and truly drawing to a close. The final BOE scheme to provide banks and building societies with a cheap source of liquidity is shortly to end. While the BOE itself is indicating an accelerated rate of increase in base rate. Will improved deposit rates impact investment into equities,…
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LISA, H2BISA & Reg Saver ... ?
A month or so ago i was on here on behalf of my brother & sister regards their H2B ISA & cash LISA. With help from the forum it was decided that it was best to leave in a H2B ISA for now due to the much higher interest rate (3.5% vs 0.75%). The plan would be to save the monthly contribs in to a reg saver and.... ... in the…
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Childrens savings - sad story
Hi, in 2004 i put £2000 into my then young sons account many years ago, when my other two were later born with different mum my first child was asked if he would mind sharing half between the other two, he was happy to do so and also have a new brother and sister. I didnt even think about it until many many year later and…
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Help to Buy ISA
Hi, First ever post!!!! I have a help to buy ISA myself and my partner is looking to open one, we are both first time buyers. I am currently paying the £200 per month into my Help to buy ISA plus some more into a regular saver but anything i save above that is going into a savings accounts which doesn't pay much interest.…
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Advice for the bewildered
Hi Everyone, I’m after some general advice around what to best do with my money. For the first time in my life I have a bit of spare money each month, and I’m after some general advice over what’s the best approach. I’m looking for long term investments rather than quick wins, so happy to ride out any short term losses for…
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Withdrawal of cash from S&S ISA
Duplicate post that I could not delete.
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Withdrawal of cash from AJ Bell S&S ISA
I made an online cash withdrawal today from my S&S ISA with AJ Bell, but was surprised that there was no confirmation receipt showing the amount I had withdrawn to my nominated bank account. When I went back into the account the money had been deducted from the cash available, but nothing was showing on the cash statement,…
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S&S ISA vs LISA vs Current Accounts
Hi, a little bit of a newbie question. Page 9 and 10 of this Nutmeg document (https://resources.nutmeg.com/Nutmeg-Lifetime-ISA-Information-Pack.pdf) states that after charges, fees and inflation a 5% growth on your investment would be the equivalent of a 1.75% growth. Am I wrong in calculating that 5% - 1.75% = 3.25%…
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Virgin Regular E-Saver Issue 3 Maturity Interest
My account matured yesterday. No interest has been paid and it has not transferred to an ordinary account. How long does this usually take? Thanks
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Two Cash ISA;s
I opened a new cash ISA in July 2018. (2 year fixed rate). I now wish to open a second Cash ISA (Easy Access) in the same financial year. The combined contributions are within the max £20,000 per financial year. Is that within the rules?
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H2B to LISA Transfer - info needed
Calling all financial experts here.... I have been given varying info from both providers of my H2B ISA and my LISA I am transferring to. the transfer is now complete, but I cant seem to get a solid answer on what happens with my money so figured id see if I can get answers here. I have transferred over 4.5k from the H2B…
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My Investment Strategy - novice here
Hi All Following on from the very good discussion and comments received over the last couple of weeks, I have now prepared hubby's and mine pension/investment strategy. Would you learned folk be kind enough to look through it and PICK HOLES AND BLOW IT APART as you see fit as I really need to learn. Objective: Hubby 60, me…
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What happens to a Lifetime ISA whilst abroad?
I am a UK resident, currently interested in investing in either a Lifetime ISA or a Help to Buy ISA. I'm a little apprehensive though as I don't really understand how the Lifetime ISA will be treated if I move abroad say for 2 years for a postdoctoral position, but with the intent to return to the UK. Would the Lifetime…
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Help to buy ISA transfer
I have been a long time lurker on these threads getting advice to pass onto my daughter, so wanted to firstly thank everyone for their insightful comments. Not sure if the experience she had can help others so here it goes! My daughter recently found out, after inquiring, she couldn't transfer her Help to Buy ISA into her…
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H2B or wait for LISA?
Good morning everyone! Our daughter is 16 (17 in May) and we were considering opening a Help to Buy ISA for her to get her savings pot started early. However, we now think a LISA would be better for her so have decided to wait until she is 18. Our worry is that with the deadline looming for transferring H2Bs to LISAs being…
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Help to young saver!!
LISA OR H2B?? Can any one adivse what would be the best option for someone who currently has a H2B isa with £1700 in it (all saved from March 2017). I have the ability to save more than £200 a month and want to be hopefully moving out by July 2020 in to a property roughly priced between £250,000-£275,000. I currently earn…
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UK Bank Req'd for Portugal Address Expat
Hello, I am a Brit living in Portugal, soon to have a large lump sum payout in Pounds Sterling, in the UK. Although I have held a UK bank account for decades, Clydesdale, I am looking to place this capital with a bank/others that offer the highest interest returns. What UK institutions will allow me to open a new deposit…
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Planning for the future?
Hi! First time poster on here so hopefully you guys will be able to give me some lovely advice! How do you all plan for the future? I'll give you a little bit of background...I'm just about to turn 23 and bought my first house just under 18 months ago (inheritance from grandparent and savings meant I could put down a good…
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HTB ISA and LISA
I'm about to claim for my bonus on Natwest HTB ISA and just want to make sure all runs smoothly. I used to have a Virgin HTB ISA which I didn't put any funds in and closed a while back. I also have an LISA which I opened a few months ago (maybe a year ago) with £1 and not paid anything in since. Do I need to close the LISA…
