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Catching up financially at 39, help!
I have been a very late starter and a financial fool for a long time. I'm trying to get myself back on track and would welcome ideas on the best strategy from more switched on folk. I have improved my position a lot over the last 9 years but I know there is more I can do. I'm now earning a decent salary of around 55k, the…
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Castle Trust - 2.5% 1 year bond
Has anyone used this company and/or these savings bonds? https://www.castletrust.co.uk/investments Thoughts?? Thanks
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How to invest £3,000 per month?
We'll be in the lucky position to have repaid our mortgage early by the beginning of next year. For the last couple of years I never had to think about investing/saving as all our free money went into repaying the mortgage as saving on the mortgage interest was the best savings strategy. From beginning of next year we'll…
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Premium Bond Question keeping money in after death
My mother sadly passed away in May this year. I will not go into family issues but I have two brothers - one is the executor and I am second if he is unable to. (Thankfully no property and but hard earned savings in Premium Bonds and current account.) My other brother stayed with our mother for a few months to care for…
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Fund charge savings Re: Hargreaves Lansdown
In my ongoing "quest" to reduce my HL charges, I am looking at two Baillie Gifford funds that I hold, namely the American and Global Discovery. For the American fund, HL states that the charges are for a £5K investment over 5 years are HL charges of £124-19 and investment charges of £151-83, giving a total of £276-03,…
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Fund and broker advice please
Hi all, I’m hoping for some advice as a new investor. I’ve done lots of reading but am still stuck on a few points going forward. Some background- I’m a 44 year old teacher, homeowner with mortgage, partner but no children. I have 2 years’ ISA allowances that I would like to invest initially. 20k is in a cash ISA from last…
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Any good about Metro Bank?
Metro Bank going to open in birmingham Any good about this bank and also usually have good offer one new opening shop ?
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II Trading Charges Query?
I would ask them but they take a couple of days usually with online queries and it's not important enough to phone up. I use II and most investments are via "Regular Investment". I want to make a couple of fund purchases which means I'll be outside of that and paying the £10/trade and I don't have enough trading credits to…
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Why do people put money in Bonds?
Given the performance relative to equities over the last 3 years?
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Virgin money RS - maturity
Bumping this specific thread up in advance of this week's maturity so the other RS thread doesn't get cluttered.
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MSE News: Savings rates have barely risen TWO WEEKS after base rate rise - MSE data reveals
Savings rates have barely risen in the two weeks since the Bank of England increased the base rate by 0.25 percentage points, MoneySavingExpert data reveals. ...Read the full story: 'Savings rates have barely risen TWO WEEKS after base rate rise - MSE data reveals' Click reply below to discuss. If you haven't already, join…
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Wyelands or Paragon ??
These offer 2.02 % on a fixed 1 year bond .. any thoughts on either or , stay clear ?? A few negative remarks re the latter ! New to me
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Total Investments Newbie - HELP!!
I am totally new to investing but I have some money to save long-term (I'm 20) and so wanted to dip into investments to see how I may be able to profit. However, I know absolutely nothing about investing and was looking for some advice or links to threads with similar OPs/Advice (I can't seem to find anything at first…
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Plum and Ratesetter
I set up Plum on my account with the intention of using it to automatically save into Ratesetter. But in the meanwhile the option to invest with Ratesetter has been removed. Having chatted with customer services, they don't know when it will be available again. They have now started offering Stocks and shares investments.…
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What mechanism makes share prices move?
I was asked and didn't really have a satisfactory answer. I waffled about institutional investors, market makers, auctions etc. but don't really know the definitive answer. I always assumed the traders who stand on the stock exchange trading floor screaming and shouting at each other are ultimately the stock price movers…
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Where best to put my house sale profit/deposit
We are due to sell our house next week and will make roughly £40K profit. We are going to rent for around 6 months to a year whilst we look for the right property to buy. We want to put the deposit somewhere where it will make the most interest and where we can continue to add to it as part of our monthly savings. Where…
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Regular saver question
Hi all, Just a quick question. I have a few regular savers due to mature around nov. Dec. Jan, but I’ve just moved house and could really use the money.. if I take it out will I lose the interest I should earn so far? I will leave them open and continue to pay in each month, but will I still receive interest on the last…
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Where to see performance of RoboAdvisor portfolios?
I am very interested in seeing the performance of RoboAdvisor portfolios...e.g. Nutmeg. Any idea where and how to do that?
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Can I open a savings account for my niece and stop my sister from dipping in and having access?
Does anyone know if there's a way to open a savings account for my nieces, as I'm not their legal guardian, without letting my sister have access to it? The only reason for this is she's terrible with money and will constantly dip into it to buy things she thinks she or the kids 'deserve' like pointless designer clothes,…
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Barclays Investing ISA - a no go?
Hi there, considering consolidating accounts but not sure if it would be a mistake... I am terribly disorganised. I have a few thousand invested with Hargreaves (when I find my login details!?) and invest £100 per month. I have accounts and savings and another investment ISA all over the place and I lose things. I am…
