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Global equity exposure - active and passive
Hi, In setting up the global component of a portfolio I was thinking about mixing a tracker with a couple of active funds. The rationale behind that would be that when the markets turn down, so will very likely do the tracker, therefore I would be relying on the active fund to mitigate the downturn (very aware of the risks…
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Savings review help
Hello I am a basic tax payer and have approx 60 k savings split between 2 santander 123 (1.5 %) and a virgin Isa ( instant access 1.3%) I am looking at closing santander 123 accounts and opening a 2 year fixed account with Midshires paying 2.2 % , with the instant access ISA as a emergency access account just in case and…
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Dividend witholding tax - Luxembourg domiciled ETFs
Anyone know why dividends received by U.K. investors in Luxembourg domiciled ETFs do not have any witholding tax deducted whereas the U.K.:Luxembourg double taxation treaty states a rate of 15%? Is there some kind of special exemption for an ETF as opposed to other types of companies domiciled in Luxembourg?
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Evenlode
Does anyone have any thoughts on Evenlode Global please? I'm looking at dumping some cash in a GIA and whilst I have LT Global and Fundsmith in my ISA I'm wondering if it would be sensible to spread things around a little whilst hoping to stick to a "conviction" theme in good companies. Half the holding would be a…
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Does this make sense?
Hello, I've spent a long time on these boards reading all of your comments and thoughts and just wanted a bit of a sanity check really. I hope that's ok. I have been and continue to research this area but still consider myself to be very much a novice so please be gentle.. My situation is as follows: I'm 43, not married…
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Can I do this myself?
Hi, I am just trying to get hold of my finances for the future and have had a session with an IFA and was shocked at the cost involved to be honest. I don't think my finances are that complicated, and i am reasonably intelligent, so I wandering if I can just do this myself with a bit of effort, and save the cost? My…
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Easy two fund portfolio
Hi I want to start investing £300 per month into an S&S isa as I have now exhausted all bank and saving account options ( nationwide, tesco etc). To keep things simple and cost down, I want to only invest in two index funds. My thinking is; 70% in a world index fund ex UK 30% in a FTSE all share index fund My appetite to…
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Fund Investment choices - I don't know what I am doing
I have a SIPP containing approximately £525k (£32k cash - the remainder in funds) held via the Hargreaves Lansdown platform and I chose one of their 'adventurous' fund choice automatic fund selections but have added to these over the last year or so when consolidating various other pensions. I chose 'adventurous' fund…
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Exchanging HISA?
I called Barclays to open a Help to Buy ISA and asked if I could exchange from Halifax. They said I could only exchange £1200 and would need to withdraw the rest from Halifax without the bonus. They then checked with a manager and came back with the same answer. Is this correct? Your HISA provider can lower their interest…
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Calculator
This is related to a calculation I'm trying to make re pension provision. I've not put it in the pension forum as it's not a question re pensions or pension schemes. I'm looking for a calculator or an easy way to calculate how much income I can draw over a fixed period of time from a fixed capital sum while reducing the…
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Saving accounts
Hi thanks in advance for your help. Looking at getting an help buy ISA. Anywhere you would recommend? Also if I open one of these ISA can I open another savings account? (Have an esavings account but want an account I cant have easy access to money)
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Confused About Investment Choices
Hi All, I am looking at starting to invest and have been reading many articles and the threads on the forums for some weeks now and find that I am not making much progress in terms of what I should do; indeed, I find I am more and more confused. I have a good amount in cash savings, a LISA (for retirement saving) which is…
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Investing £101k
I have £101k to invest and I am looking for investment advice, having not dabbled in investments before. My intent would be to invest for 5 to 10 years as a growth fund. The reason for the £101k is the extra £1k seems to push up the amount into new cheaper fee bands. For the past couple of months, I've been researching…
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Help to Buy ISA and LISA
Hi guys, My gf and I are saving for our first home. At the minute we both have a HTB ISA which we put £200 a month into. I was talking to a friend yesterday and she told me about the LISA she has which pays a 25% cash lump sum every year in addition to any interest. My question is, can I have a HTB ISA and a LISA at the…
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1 year fixed savings
Morning everyone, dumb newbie question... If you open a 1 year fixed rate savings account that gives you 30 days to deposit from opening (or however many days) do they give you the fixed rate for 1 year from the date you open or the date you make the first deposit. Sorry if I'm thicko I can't find this information on the…
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What are the benefits & cons should the UK leave the EU?
I ask this question only to debate and encourage understanding from a financial perspective. This could cover, but is not limited to, pensions, savings, income, mortgages, etc. I am not asking the question based on the referrendum result or the subsequent general election which selected the manifesto the country wanted…
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SHOCKED - broker executed trades, but missed bookings in cash statement
Ladies / Gents, I did a simple calculation to see what my YTD return is. There was a material difference and the broker forgot to book 3 (!) separate items as cash inflow: - I sold a stock twice which the broker did not book as cash inflow - The broker did not book 2 separate dividends In total, the value of the non-booked…
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Role of corporate bonds in a portfolio
A recent thread has asked about the role of gilts in a modern portfolio and the response has been that they manage risk. Gilts have been negatively correlated with equity historically and so including them dampens the overall volatility of a portfolio. Makes sense to me. What makes less sense is what role (if any)…
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Baillie Gifford American fund.
I have a holding in this fund which is currently showing a profit of well over 30% for me. The fund price is still marching upwards! I'm facing the problem that many investors have faced, what to do now? To take the profit and leave the balance, increase the holding or totally sell all or what?
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Problems with setting up a Nationwide a/c online
I have received my card, PIN & account number for a Flex Direct a/c with Nationwide, but when I enter my customer number it also asks for my passnumber, which I don't have because it didn't ask me to create one. I thought I must have to re-register online again, but it won't accept my email address because it was used last…
