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170K to invest, advice welcomed
Hi I am selling a second home and will have 170K to invest. I don't know anything about how to start the process and would value advice I don't want to rent the house as it may be hassle and I (fortunately) do not need to to draw on the cash I have taken early retirement and work two days per week, I do not get my state…
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New Coventry BS savings rates
https://www.coventrybuildingsociety.co.uk/content/dam/cbs/consumer/pdf/savings/New%20Savings%20Rates%201%20September%202018.pdf
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Wealthsimple-£100 c/back on £1k+ (MSE)
Got to be worth a punt, I think. Usual downsides on these offers apply, could find lower cost platform etc.
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£20000 for maximum interest
Hi folks, I work each year between Mar and December. I travel for 3 months each winter. I have very low outgoings - no rent, no gas, no electricity, no direct debits, etc. I have £20000 savings. I save at least £500 per month when working (sometimes £1000), spend £3000 during the winter so my savings balance increases by…
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Looking for accurate index tracker fund
Looking for an index tracker fund (global/regional/country stock market tracking) whose performance has over the last few years has most closely matched that of the underlying stock market index. In addition I am looking for comparatively low management fees and instant access to my money when I wish to liquidate my…
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Interest rate calculation
Are we able to request a statement how Lloyds bank calculate my saving account interest? In the bank statement, they just shown a figure saying Interest. I want to know which date and how the calculation
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can i unfix new fixed
I have just this month fixed £30k with the Leeds at 1.55% for 2 years, typically the interest rates have just increased quite a lot, advice welcome on best way to try to move it elsewhere at a better rate with the least loss,
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VLS80 + What else?
Evening All, Apologies for my many posts in recent times surrounding my very modest 'portfolio'. My SIPP consists of around £5700-5800, I have halted contributions for the next 3 years to add to a LISA for a house purchase, however once done I will be continuing and upping contributions. (I'm 27) Following some very…
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Lump Sum - better to add to SIPP or have separate
Hi My wife has taken her pension from NHS and has a lump sum to invest. I have a SIPP running with my entire pension pot in it, which i intend to draw down from starting in between 1 and 3 years from now. The bank are recommending some investments (not fixed term) for the lump sum (they do want 1.25% commission) - are we…
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USS invest builder vs SIPP
Hi, I'm trying to decide whether I'm better off increasing my contributions (currently 1%) to my USS investment builder or setting up a SIPP. As far as I can tell USS investment builder: - limited to 10 USS funds - my employer subsidies the fees SIPP: - more choice for investment - I pay the fees So assuming the USS funds…
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Selling Paper US Shares listed on NASDAQ
I have via a number of corporate actions ended up with a paper certificate of my holding in a US company that is now listed on NASDAQ. The challenge I now have is finding a broker in order to open an account, deposit the certificate so that I am in a position to sell them at some point in the future. The issue I have is…
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Government denied my Help-To-Buy ISA bonus... any comeback?
Hello, I was hoping to get some advice. In June I completed the purchase of my first home. I had opened a government-backed Help-To-Buy ISA in 2017 which as you all know was meant to provide me with a 25% bonus on my savings to that point towards the purchase price of the property. I had opened the account with Nationwide…
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S&S ISA transfer - another query
Hi. I've initiated a transfer of evestor S&S ISA funds into my new Vanguard S&S ISA. evestor have just been in touch with this message: "We are happy to proceed with the transfer however your provider has specified that the Vanguard funds held are to be transferred over in specie. Just so you are aware, there is a fee of…
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Best account for interest rate
I'm looking for some advice. Does anyone know of a good account to keep £10k savings in please? I'd prefer a bank account or savings account rather than bonds, but looking for a good interest rate. Any advice is much appreciated! Thanks!
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Help please with investing directly into a Vanguard fund.
I wish to invest into the Vanguard fund which tracks the S&P 500, correct me please if I am wrong but understand that this would be the Vanguard US Equity Index Fund (Acc). If I am correct, could any one inform me what the minimum investment is please? Despite looking at the prospectus etc, I am still unsure. Thanks for…
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Stocks and shares ISA info
Hi I have opened a Stocks and shares ISA this year. I had some questions if someone can assist with please - 1)If i want to continue the following tax year in investing i have to open another Stocks and shares ISA right? 2)How can I pay management Fees if im then not allowed to top up the existing ISA (the following tax…
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Independent Financial Advisor
I have just had an email from an independent Financial Advisor (after afree initial condsultation through the Civil Service Motoring Association) explaining to me the amount she will invest for me and a fee structure document to sign, which consists of a report fee (financial overview) which will be waived if I do business…
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AJ Bell - Mywealth
Just seen a new 'Mywealth' appear in the 'My account' page, has anyone tried it? Any comments or experiences? I'm also surprised that they didn't do a big launch of this to get exposure and drum up interest...
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Single fund portfolio
Dear Esteemed investors I have been tasked by my dear mother with setting up her S&S ISA. To keep things simple I was considering a VLS60 fund, but is it not sensible to have a portfolio containing one fund? It just feels like I'm not being as diverse as I should to reduce her risk exposure. Would it make sense to have 50%…
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Fidelity index world
Currently my S&S ISA with Cavendish Online contains 3 funds: Blackrock Consensus 100 HSBC Global Strategy Dynamic Vanguard Lifestrategy 100 At the time I opened this S&S ISA I couldn't decide between the numerous funds on offer. Like many novice investors I didn't have an answer to the 'do you want the UK bias of VLS?' or…
