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Lump sum to invest for children
My wife and I have approx 50K saved for each of our children (aged 19 and 21) that we'd like to invest towards a deposit on their first properties. What are the best options open to us?
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Goldman Marcus
Hi Can someone give me the facts on what happens when you apply for a savings account with an institution. In this example it would be the savings account paying 1.5% with Marcus. Is it just an ID check? If so what exactly is that? Does an ID check have any adverse effect on ones account or credit record? Is there a credit…
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Life Strategy / Vanguard FTSE Global All Cap Index
Just thinking about most of my family's passive funds being either with Vanguard Life Strategy 100% or 80% acc... with it's 25% tilt towards UK perhaps.. it is a bit much. Does anyone else feel like Vanguard FTSE Global All Cap Index would potentially be a better prospect for improved long term growth? It has over 6000…
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Equinti Shareview
Hey, 3 years ago I inherited some shares which are being held with equinti shareview. I’ve left them there as there were other more pressing things to tackle - but now I’m at the point where I’m wondering what exactly is the best way to treat them (small amount under 5k) Should I cash them in? Move it to a Stocks and…
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Best account to save £82 per month for 16 years?
Hi, I save my daughter’s child benefit every month in a basic savings account, I would like to be able to lock in the money every month £82 until she is 16 or 18 years old, so I can give her the money to help buy a car, deposit on a house or to pay for uni or travel. Which account t is best for longterm ? Thanks
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Help needed to trade in stocks and shares
I have been trying for some time to find a group of like minded folk who have found a way of trading on the stock market, in a low key manner. I am now voluntarily self unemployed and thankfully have a pension which is managed by professionals. I really don't want to just go to seminars, but rather be part of a group who…
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Property pension
I own a rental residence that was my home before I rented, I'm reading it would be better to put it in a pension fund is this the case
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What would constitute a 'crash'...
... for bonds/gilts? Given equities could/can drop 20-40% suddenly, what can happen/has happened historically to the part of a mixed portfolio that is gilts/bonds?
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New Investment
Hi. I'm am a complete novice at this kind of thing. Basically my husband passed away last year and I have £25k to invest as best I can. I have always been scared of risk as this is almost all I have so don't want to lose it. Any advice would be appreciated Thanks
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Cash ISA transfer with Help to buy ISA .
Hi can anyone please give me some advice . I am trying to maximise my ISA accounts but am a bit confused with what I am allowed to do . I currently have a help to buy ISA with and 10k in a standard isa paying .5% ( both opened last year with Natwest ) not the best rate but they allowed me to contribute to both during one…
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£720/Mth savings for baby on way - best options?
Hey everyone, I trust this finds you all well The goods news is my fianc! has just found out that we are expecting our first child, the bad news is that she does not get anything specific from her employer for maternity leave. We have run the numbers and we can afford to save around £720 a month together for the next 9…
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Types of ISA Vs Paying into multiple ISAs
Evening all, BACKGROUND I am currently paying £200/month into a HTB ISA that was setup in the previous tax year. I want to close it and open a Lifetime ISA in order to benefit from the generous 25% contribution, (looking to first time buy in just over a year so the minimum delay of 12 months is fine for me). As it happens…
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drip-feed buy every month or wait for cash to accumulate?
I have never really done drip-feeding to my stocks and shares ISA although I have been told this is the best way to do it. All I have done in the past is to buy when I see an opportunity by funding my account in a lump sum. I have been thinking about regualr investments now and thinking about giving drip-feed a try so I…
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Anything which didn't go down in the Oct 2018 crash?
My timing has never been particularly good: so having decided to invest in various Equity based Investment Funds in September, it was not surprising when worldwide equities crashed a month later in October. Luckily I only invested about 20% so can afford to sit on the loss until they recover. From what I can see there…
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Closing accounts online
In my experience, many banks and building societies do not allow accounts to be closed online, even if they were opened and always operated online. You can withdraw all the money but not close the account. Is there a reason for this? It's particularly irritating with regular saver accounts that only last for one year and…
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£1000 - Premium Bonds or savings account?
I have £1000 that I could safely shift out of my current account and my initial thought was Premium Bonds, or I could put it into a 5% savings account which would get me £50 after a year. Is Premium Bonds actually going to be worth it at £1000, would it at least win me £50 a year?
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Does anyone have Premium Bonds purchased as an ex-pat?
Hi, Seeking some clarity on whether or not it is possible to invest in UK Premium Bonds as an ex-pat? This seems a bit murky - I've heard 'yes', 'no' and 'it depends'... no-one really seems to know. Has anyone here managed to invest in Premium Bonds while offshore? What hoops if any did you have to jump through? The only…
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TSB retracting Interest?
Hi All, Anyone had TSB retract interest from an account when they realise you are transferring to another bank? My wife had a Fixed Term 2Yr ISA that finished 15th November. She received a Statement dated 18th. that showed annual interest added at that time (over £500). We had arranged a transfer to another bank for after…
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Alternative to HSBC UK Online Bonus Saver?
Hi, I am a British expat, currently in USA, with an account with HSBC UK which I have held for years (since my first job, and before I left the UK to work). HSBC UK have just changed the interest rates on the 'Online Bonus Saver' in this account from poor to very poor, and, along with the stupid conditions attached to the…
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Short Term Investment
Not sure if this is the correct thread to post this query on - if not let me know and I will re-post on the correct thread. We are in the process of moving house and all being well we will be moving soon. Unfortunately for reasons I will not go into here the sale may not go ahead. This being the case we will need to put…