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Investment Suggestions
I'm looking for suggestions on how best to invest the following. I have an occupational pension from an old job I left in 2012, which stands at about £30k. I'm looking to consolidate this into a new pension wrapper and make a one off contribution of £40k to give the pot a boost, so £70k in total. I intend to make regular…
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I've paid into 2 stocks and shares ISAs this tax year - what now?
Hello all - got myself into a mess. I've just opened a new stocks and shares ISA this tax year 19-20. I already have another one which I opened last year 18-19. I knew I could only open 1 each year but I didn't realise I could only pay into 1 each year, and I've already paid into both (but not gone over the allowance)...I…
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Help to buy versus regular ISA if not looking to buy....
Hi, Is it better to get a help to buy ISA compared to a regular cash ISA even if not looking to buy (and so get the extra towards a deposit) just because the interest rates are better than regular cash isas?! Are there any draw backs to doing this? As far as I can see you don't need to use the help to buy Isas to actually…
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Council care home fees pending assessment
Hi folks, this is my first post on this subject, apologies in advance if I have posted in the wrong area. My 94 yo mother lived independently in her ex-council house which she bought many years ago with my dad when he was alive. She was hospitalised after fall about 6 weeks ago and is in a council run assessment facility.…
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Hotel room investment
Anyone thought of doing this? Would be pretty cool to own a London hotel room, but I'm not sure if it's a sound investment or what the service charge is. https://www.zoopla.co.uk/new-homes/details/51498239?search_identifier=d1086861903fd702d21d09d3a7a0e514
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Which fund and am I on the right track? (Newbie!)
Hi all, hoping I can run something by you and seek your suggestions please on a suitable fund. I've read the book "The Simple Path to Wealth" (JL Collins) and he advocates on the equity side, to basically pick a single (global?) equity tracker fund with low fees (he uses Vanguard) and just leave it sitting there riding…
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Hargreaves Lansdown payout
I looked back but couldn't see a Hargreaves thread. My Lloyds shares were paid out on Tuesday. I want it withdrawn to my nominated account. I click this option but it says no cash to withdraw, even though it shows a cash balance. Is it automatically paid out now? (Not that anything has yet) Because I've usually manually…
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Woodford Concerns
Hi guys, Like most people invested in the Woodford Equity income it is very depressing and worrying. I have around 50k invested and have obviously lost on this due to his poor performance recently. I don't need access to the money so am happy to hold and wait until Brexit is done and for the UK to pick up. My concern and…
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Is tax due on this money?
I have a small account which I am in the process of surrendering. I took it out in 1999 and have paid in £30 per month ever since. The maturity date is November 2021, but I need the money now. It was called a Regular Savings Plan Endowment Life Insurance Investment (yes really!), and is held with Scottish Widows. I have…
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Mint Acc/Rout Alternative
Please advise a service similar to a mint (online accounting) so that you can connect several banks and multiple accounts, while the service can display the bank account number and routing number thank you very much.
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Fluid ISA and Halcyon Developments?
Two investment opportunities have come to light that look good: - Fluid ISA offering 6% pa (Northern Provident Ltd) - Halcyon Developments offering 7-8% pa Do these present unreasonable risk? I believe they are effectively loans to fund property developments, the second ending up owing part of the Halcyon Retreat holiday…
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Am I in trouble? Etoro huge gain and huge loss
Hello, I am fairly new to the UK and prior to that, I've been living in an almost tax-free country (Dubai) for most of my life so when it comes to taxes, I had almost no idea how they work. Long story short: On October 2017 I invested $22000 in Etoro (crypto currencies). By December I closed the Crypto positions and my…
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New to investing advice required
Morning All, I am new to investing and have setup a S&S ISA through Cavendish online. Not having a great deal of knowledge in the industry I have invested a small amount (1K) and decided to opt for managed funds opposed to individual stocks. I am willing to take a little risk however don't wish for this to be a great deal.…
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Grupeer peer to peer investment
Hi all, I'm trying to find people in the UK who have used the European investment site Grupeer. I'm looking for any first hand experiences of adding funds, actual return rates, and withdrawing funds, including any fees or difficulties people have had using UK bank accounts with this platform. I've scoured a lot of forums…
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Where to put £210,000
After years of lurking, our first post is about a problem I NEVER thought we'd have! An unexpected cash windfall has us with the unprecedented amount of £210K sitting in a Barclays current account. We'll be using it to buy a property but can't start looking straight away, so it'll be in the form of cash for about 3-6…
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Short term savings or overpay mortgage
Long time lurked, first time poster so please excuse rookie question I own my property, currently have around 128k left on 175k mortgage (latest valuation 240k). My partner moved in at the start of the year and we would one day like to buy somewhere together or extend. I'm currently using the money he contributes to…
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[Beginner question] low-risk investment in USD?
Hi everyone 👋 A while back I exchanged some of my pounds to dollars because of the uncertainties brought by Brexit. Currently, the (low 5 digit number) amount is sitting in an account and while my original intention was to trade them back to pounds and put them back in a savings account, I have now decided to keep that…
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Sudden inheritance
Hello, just looking for advice. I know there’s a few threads out there about inheritance but my partner and i’s situation seems a little different. A family member of my partners has just passed away and although we aren’t sure exactly how much he is being left we are estimating it to be at least 60k. We are in a situation…
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100k Inheritance
Hello, I have seen that that there are numerous posts regarding inheritance and read plenty however most are by individuals with with mortgages, children etc. I am 21 and soon to be graduating from university, I will have around £47,000 in student debt, I will be moving back home and looking for a full time job. Any ideas…
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Thoughts on HL Select Global Growth Shares Fund 33 Holdings
Now HL have launched Select Global Growth Shares Fund, what are peoples thoughts on the 33 holdings in this fund. What reasons would you give for not investing in this fund.
