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Buying an Index Linked Gilt.
This is not about buying a gilt fund, but buying one index linked gilt. https://www.fixedincomeinvestor.co.uk/x/bondchart.html?id=3472&stash=F6ADE008&groupid=3530 The price is £195. Issue date 2007. Maturity date 2047. And the coupon is Inflation plus 0.75%. The yield is minus 1.829. How is this calculated? The way I see…
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Deposit/Invest money in foreign savings accounts?
This is really random, but I was looking for my next investment opportunity and then I remembered people used to put money in icelandic banks (icesave). I know what didn't end up in a good situation, but I just wondered if it is viable to put money in another country (say Brazil), where you can get 6%+ return? UK banks…
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Transfer from Vanguard to iWeb
I'm in the process of requesting a transfer of previous years' S&S ISA subscriptions from Vanguard to iWeb. I will be moving around £40k that's currently in VLS60. I intend to keep the sum in VLS60 on the new platform. When I complete the request, it asks me the following question: How do you want the transfer to be made?…
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Marcus Savings - Is it worth it?
Hi, I run a fantasy football competition and collect approximately £2000 from entries in August which then gets paid out in May when the season ends. Currently I leave it in my online Cash ISA (Co-op) and earn 0.75% In your opinion is it worth opening a Marcus account for 1.45% (dropping to 1.35%) for the small amount of…
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Ns&i il
Hi Guys, it’s time to decide on whether to roll my Ns&i index linked bonds over, or not ! As they have changed to CPI, are they still worth keeping, or have they had their day ? The interest rates elsewhere aren’t exactly enticing, on long term bonds, and falling. Do I stick or twist ? :beer::beer:
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Passive Investing ie Trackers
I have a considerable sum I would like to invest, circa 200k. I’m aware that trackers are very good in comparison to actively managed funds and also much cheaper charges. I’m also aware of compounding gains and pound cost averaging. What I would really like to know is how to diversify the tracker funds so all my eggs are…
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Funding Secure In Administration
I've just got an email telling me they're now in administration. I luckily managed to withdraw most of my money in the past couple of months, did wonder why it was taking so long. I've lost about £70 I think, feel sorry for those who have lost more. What now, wait for the receiver to give me back a few pennies?
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Post Office Onlne Loyalty Saver Account.
My wife had an email saying her (high!) interest rate period was coming to an end and gave various suggestions on different accounts one of which which was the one in my heading with a rate of 1.35% and no bonus ending after 12 month. So I went online today to open the account but there is no mention of this account on…
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Buy to let market. For who or what circumstances is it good.
Hey folks. I've read numerous threads regarding buy to let markets and as a form of investment. It does seem that it is an area that is becoming harder to actually make some for of semi passive income from. However it would be interesting to know from people in the market or with more knowledge than myself if it still is a…
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INVESTEC Current Account
Hi, I am looking to open an Investec CA paying 1.4% interest. I have never used a bank that is not a 'high street name' ie. Halifax, Nationwide etc. Is banking with Invested any riskier than using a normal bank? Is it as safe to bank with them rather than a 'big' high street name? Just want to make sure. Thank you
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Cashback on care home fees?
Parent recently entered care home and needs to pay significant fees, but worth it in the long run. Will probably be selling home to finance in the new year, but looking at ways to reduce the burden now so any ideas welcome. Considering: Are there any current accounts that pay cashback on care home fees? Looking at the main…
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Blackrock Consensus 85
I was looking into this fund and went onto their site to get more details but no mention of Consensus 85 but only 35/60/70/100. Must be a simple answer but I can't think of one except perhaps Consensus85 is only sold via intermediaries. Anyone shed light?
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Shariah investment with hsbc
I am looking for how to invest in shariah compliant portofolio with hsbc. I have read some articles on http://www.merlynwealthmanagement.co.uk/ and https://uk.wahedinvest.com and aviva. I have some in both. I cannot seem to find any other ones and was wondering how to use hsbc GIC or sharedealing acc to place in same funds…
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Save as you earn scheme: most tax efficient option at maturity?
I've been putting £500 a month into my company's SAYE scheme for the past three years and it's just come to maturity. Amazingly the £18,000 I put in will be worth around £60,000. They've sent us some options, but I'm a bit unclear on them and the company managing it won't give us any clear answers re: tax burden and keep…
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S&S ISA - Platform Fees
I have a S&S ISA worth £122k currently in Vanguard LS80 (I've just transferred other years in from a Cash ISA). Because of the FSCS £85k limit on VG, I'm now looking to transfer £60k out to another S&S ISA and am hoping for some of your opinions on which might be the best platform to go with according to my circumstances.…
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Investec to cut Notice Plus rates..
Investec is to cut rates on their Notice Plus accounts starting with their 35 day notice account in January. Their 95 day 1.85% (inc. 0.05 Loyalty Bonus) that sometimes gets a mention, is to be cut from March 2nd 2020 to 1.65% inc. LB. So it goes on... :(…
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Paying Income Tax
I cashed in an amount from an investment trust. It was a gift to my son for house deposit. It sat in my current account for a couple of weeks. I do self assessment tax return. I will declare it on my tax return, do I pay tax on it? Thankyou
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Diversifying across multiple platforms for S&S ISAs/SIPPs
HI I am coming to a point where I am thinking whether it is prudent to diversify investment holdings in different platforms. I wonder what are people's practices or thoughts of opening various S&S ISAs or SIPPS to spread risk of platform failure. I don't see myself having a vastly different strategic holdings in the two…
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Help to buy & LISA bonus loophole???
So, when looking into both the H2B isa and LISA, they both offer a government bonus towards a house, but you can only use one of these means to claim the bonus. But with the LISA, you can also save for retirement and get the bonus then. Does this mean you could buy a house using a H2B isa and claim the bonus. Then proceed…
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Advice for freelancer - where do I put my money?
Hi all, New here (obviously) and would love some advice, if anyone has some wisdom to share. I'm 30, self-employed, and making around £40-45k a year (this is approximate as the work is not 100% guaranteed, but I wouldn't expect it to go down). For the first time in my life, I'm in a position where I can save/invest the…
