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Shawbrook Easy Access - Online Access
Hi Can anyone with a Shawbrook Easy Access account confirm if the account can be operated (deposits / withdrawals) online? The reason I ask is that their own Product Information sheet states: * You can only apply for this product online * Once your account is open, you can operate the account through secure message or by…
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Is there a time to not build an emergency pot?
I understand how important an emergency pot can be, i just wonder if there's a time you shouldn't be trying to build one and should instead focus elsewhere. Say you're a first time buyer or at least looking to be one, you don't earn so much: perhaps just over £1k per month. You understand it's important to save towards a…
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TSB Classic Plus
been shopping around for new current account as my current nationwide pays 0% interest. The TSB classic pays 3% interest per month provided £500 paid each month. Does this mean, provided my salary gets paid into this every month i can et the 3% monthly? Also is the interest usually calculated month start or month end?…
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Cash ISA Providers Stealing My Tax Free Income
I'm sure this is not a new topic, but it is currently very pertinent, with interest rates so low. How do the banks and building societies get away with consistently offering lower interest rates for ISAs than for non ISA accounts? There is virtually no difference in the net income from either sort of account, which means…
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Passive Funds Transaction Costs
I'm hoping someone can shed some light on why the transaction costs for the Fidelity Index Emerging Market fund are so high at 0.31%. Other Fidelity passive funds eg. UK index, US index, Pacific ex Japan, have very low transaction charges of 0.0%, 0.01%, 0.04% respectively, which I would expect from passive funds? 0.31%…
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How to get £1,000pm from a lump sum
Hi, I recently sold a property and now have around 250k sitting in my bank accounts. It was from a rental property that I sold to avoid the new 2020 CGT rules and because of ill-health making it difficult to manage the work associated with the property. I need this money to generate some regular income for me (ideally…
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Why no Kent Reliance on the Best Buy table?
Hi folks. My friend today was searching for the best rate for his money and told me he looked at Martin’s Best Buy table and was then disappointed that Kent Reliance Building Society wasn’t on there, even though, apparently, it offered a better rate than those on offer. Any thoughts on this, please?
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Moneybox app
Hi, has anyone used the MoneyBox app? Is it safe? Is it worth using or are there better options available?
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Changing banks
Hi all I’m looking to switch from my TSB bank account. I want to open a standard bank account and to have a savings account (with Access preferably) along side it. Which banks have the best rates at the minute ? Any advice appreciated
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Best way to invest £75k?
Just inherited £75k and currently getting 0.18% APR! I have a £150k interest only mortgage at 3% APR. Should I reduce my mortgage or invest and have the flexibility of having funds if required?
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Splitting funds/platforms?
I am semi-retired with a DB pension and I will possibly work for another year or so. My savings will largely be my ‘fun’ money if I can get over the psychological barrier of seeing them decrease… These include about £80k in S&S ISA Vanguard 60 and I want to put about the same in another fund over the next couple of years…
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lifetime ISA
looking into the above are they worth it for someone in their early 20's just to put in a small amount per month originally?
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Bonds?
I have some active funds and some passive funds. My passive investments are in vanguard and are a mixture of VLS 60 and 80. I'm very much a long term investor. I understand that bonds are not doing as well as they historically have. I can find the yield of gilts and it doesn't look great. I'm not so sure what yield one can…
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Advice on Vanguard funds
Apart from buying 8 FTSE100 blue chips about 6 years ago for dividend return I have little experience in investing. I plan to put £40k into a vanguard stocks & shares ISA to buy a few passive funds,£20k prior to April and £20k when the new tax year begins. Very sure the money will not be needed for at least 10 years and my…
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tips and tricks
hi all, just a bit about me - 22 years old, trainee lawyer living with parents. currently earn 18,000 per year - only regular outgoing is 275pm on a car. was just wondering whether you had any general savings tips and tricks? currently have a standing order set up to put 200pm into HTB ISA and 200 into regular ISA on…
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Opening more than one regular savings account
I've accidentally opened more than one regular savings account with HSBC (due to getting an error message the first time round). They've opened both and transferred £250 into each. I'm assuming that I'm only really allowed to have one. Question is, what happens next? Should I raise it with them and ask them to close one or…
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Fidelity to iWeb ISA transfer
Hi, I currently have a stocks & shares ISA with Fidelity (through Cavendish Online) holding the following funds: Fundsmith Equity I Acc (GB00B41YBW71) HSBC American Index C Acc (GB00B80QG615) Vanguard FTSE Dev Wld ex UK Eq Idx Acc (GB00B59G4Q73) I'm wanting to transfer these over to iWeb for 2020/21 tax year. I've checked…
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The AIM All Share Index Of The London Stock Exchange
What are the things about the index in UK stock market that makes it unique and are worth noting for investors and other market participants.
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Home bias and currency risk
This applies to my ISA but also to my pension. Ideally I want to have realatively low exposure to UK and don't want my portfolio to be overly biased. But of course the currency may strengthen significantly (maybe 20%) over the next year or more which will be very poor for such a portfolio. If I could wave a magic wand I'd…
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stocks and shares ISA
Hi all, looking for a no-frills, easy to use stocks and shares ISA as i am new to this sort go thing. the Hargreaves Lansdown balanced growth ready made portfolio looks promising - has anyone got experience of this / any recommendations? thanks!