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Making charges more transparent
My mum has just received a letter from Fidelity/Funds Network (?) titled making charges more transparent. She was in great health up until she was told that she was paying over two grand a year in charges. Can someone (probably from the IFA community here) outline what each of the charges below are for, and thoughts/ideas…
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Woodford fund is extreme, says analyst
The Times article
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Tax on Dividends for Expats
I have shares held in a UK based non-ISA brokerage account. I have lived overseas for 12 years and have been non-resident for income tax purposes all of that time. However this account now delivers about 13K in dividends every year. Is this classed as UK sourced income and how would it be treated for tax?
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Cavendish Online S&S ISA
Morning All, I have recently created a new Stocks and shares isa through cavendish online, giving me access to the Fidelity platform. I have noticed that when placing orders on the Fidelity platform £45 per year platform fee which with only £1k invested works out more than the 0.25% advertised by Cavendish online?…
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The 'B' word
Hello, Quick query; I understand that the Brexiteer General, Rees-Mogg (and friends) is busy squirrelling his money away 'off-shore' in e.g. Ireland ('other off-shore tax havens are available') to protect it if the worst/Brexit happens. Apparently, he is stashing away hundreds of thousands, of course. (I just have a…
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Sipp
I'm about to invest another £2880 in my Sipp but am dithering as to where to put it. My previous investments have been with Hargreaves Lansdowne in their Portfolio + Adventurous Growth. Would any suggest whether I could do better than this please? I'm expecting a battering from you experienced people.
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Boring german fund(s)?
hello New to investing, currently have about £7k in cash in a SIPP with H&L, looking to add about £5k a year over next 10-15 years.... Something passive, low cost, that tracks utilitites/large corps in germany? thanks
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Cancelling a children's isa due to change in circumstances
My husband is estranged from his daughter and has been for a number of years. My husbands parents set up a children's ISA for when their granddaughter reaches 18. However my husband does not want his parents to pass on the money to her due to the estranged circumstances. The daughter has no contact with the grandparents…
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Moneybox App
Hi, I'm wondering if anyone has used the Moneybox app, I am very new to saving and wondering if this is worth using, or if I am better off bumping up the money I'm putting away in an account? Thank you Becky
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Where to keep/save a property deposit lump sum
Hi, Excuse me if this is a massively fundamental question, but I have a lump sum of £85K to be used as a deposit on a property later this year. Where is best to keep this safe and secure, and perhaps even modestly added to either via interest or by additional amounts added? Thank you so much.
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Options for savings accounts for expats
Hi All Apologies if this has been posted elsewhere, but i couldnt find it! I'm from the UK, but have been living in Australia for the last 10 years. I work full time over here and have savings etc held with Australian banks. However, I have 20,000 GBP sitting in a Lloyd's everyday account (which I transferred from…
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Best Everyday Savings Rate Account?
I have around £20,000 that I want to save in a new bank account (UK) for the best rate of interest. I have had some Financial Advice, and have been told that this currently would be Virgin Money Double Take E-Saver Account currently at 1.50% I just want to save a lump sum, so no monies deposited per month, and easy access.…
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Which savings
Hi guys, I'm after a bit of advise if I may please. I'm currently in a fortunate position where I've got between £800-£1000/month to save after completing some loans. I've got most of my accounts with TSB including an ISA which I've got a chunk of money in but not renewed it for a couple of years. Initially I thought of…
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Savings Accounts
Is it permissible to open two fixed rate bond savings accounts with the same financial institution?
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Child ISA vs saving account
I am trying to decide what to do with my kids money, I have 1 with the old CTF and 1 with a JISA, the eldest also has a saving account but never got round to opening 1 for the second child �� Should I transfer the CTF and JISA to the best ISA and a saving account each or just put everything into the best…
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ETFs showing/not showing dividends in returns
I mostly use HL for fund data but am sometimes unsure whether returns include reinvested dividends. For example, comparing five year returns for two FTSE 100 ETFs: Invesco Markets FTSE 100 UCITS ETF (S100) shows 4958.5 on 19/5/14 and 6381 on 16/5/19, an increase of 28.7%. HSBC ETFs Plc FTSE 100 UCITS (HUKX) shows 6925 on…
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Degiro vs foreign income
I have a brokerage account in DeGiro (what is a Dutch company, I think). There, I have a number of ETFs, domiciled in the UK, Ireland and the US. I wonder how the income from the dividends of these ETFs is considered regarding being "foreign" (there, eg. is a separate personal allowance for foreign dividends). I thought…
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Investment sites to use when you live outside the UK?
Hi - I live in Spain, work in Gibraltar, and am looking to start getting involved in shares and investments. Does anyone here know of an english language site I can use that allows me to buy shares? Of the ones I've looked at so far, as far as I can tell you need to be a UK resident in order to sign up with them. Much…
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FSCS and offset savings
Hi. This is hopefully an easy one to answer: I have an offset mortgage with Yorkshire Building Society, with linked offset savings accounts. I am in the very fortunate position that my current balance in this offset account exceeds the FSCS limit. It is less than the outstanding mortgage balance, though. My thinking is…
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Investec Click & Invest - closed to new business
Interesting decision here.... I wonder how much AuM they had and where it’s likely to go.... Also would be interesting to hear from any current clients and their feelings about this announcement. You can read the announcement here: https://marketing.investec.com/ZA/clickandinvest/ Press release here:…
