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Covid Savings Loss
Hi v. new to this forum! I have a help to buy ISA, my first issue was although I could deposit 1200 in the first month my bank successfully blocked any payments I tried to make , as they stated it was only possible to deposit £200/month ( but in the first month I could not deposit a thing 4 months later of trying to…
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BLACK ROCK Fixed rate BONDS
Why are Black Rock fixed rate ISA wrapped bonds not shown on any of MSEs websites, I am try to get as much information about them before investing my money.
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Best Way To Invest Money At 21
Hello, Could anyone give me some advice please? I'm 21 years old looking to find the best way of investing my money. I currently have around £30k saved, although most of it's in NS&I Premium Bonds and every month I have £200 going into my ISA with Barclays. The truth is, I don't know a lot about the best ways to invest…
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Joint Savings Accounts with Multiple Linked Current Accounts - Do they exist?
When you open many of the savings accounts recommended here, eg Vanquis, RCiBank etc they all want a linked Current Account to send/receive payments from. However, if you are opening a joint savings account, linking to one current account doesn't really work if you both want to deposit/withdrawal from it. It also doesn't…
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Investec transfers queried by Santander
I've routinely followed MoneySavingExpert's recommendations for homes for my money. This month, I've opened accounts with Marcus (online saver) and Investec (notice plus 95 day). First, I deposited £80K in Marcus in £10K tranches. Then, I began depositing money in Investec. Today I got a call from Santander investigating…
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Basic Question: Marcus vs. FTSE 100 Dividend
Hi, I am new to investing and new to this forum. Marcus Easy Access savings account pays 1.3%and a FTSE100 Tracker Fund pays approximately 4.5% return in dividend per year, provided this is held in a Stocks and Shares ISA (£20k per year). In terms of earning per annum, Marcus (£260) and FTSE Tracker (£900) - This is a huge…
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Vanquis Bank Savings
I deposited some money into this bank on 15th April, 2020. They then sent all the paperwork to log in. A log in problem occurred so I couldn'y authenticate the account. As a result I have asked for my money back. I have called this company about 12 times, sent them numerous emails and emailed two complaints. Still haven't…
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Investment trusts - does the discount / premium really matter?
Hi everyone. New-ish investor here. I’ve been trading a few investment trusts recently and have read a lot about the NAV and how this creates a discount or premium vs the share price. However I remain a bit perplexed about why this seems to matter so much: surely the only thing that matters is the share price itself? e.g.…
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child trust fund
Hi i wondered if you could advise, my son and daughter both have child trust fund accounts which have been transfered from halifax to Forester life, i have received the information pack from forester and the accound has reduced from £460 to £360 since February, I realise this is due to the shares but what is my best option…
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Virgin Double Take E-Saver Issue 10 Account - better savings account?
I was advised last year (around a year ago now) to take out a Virgin Double Take E-Saver Issue 10 Account, which had a competitive interest rate at the time. I've now had the Annual Interest for the year, in March 2020. The lump sum is a few thousand pounds, but I am now looking at a good interest rate, as to whether its…
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£5000 to invest
I have £5000 cash and £150 a month. I want to have access to £4000 and the other £1000 and £150 pm I want to put into shares. I want to buy as a example £250 in shell for arguments sake. With ability to sell shares when I want. How is the best way to do this? I dont want to be in a fund I want to buy my own shares
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Close Brothers Savings with HL Active Savings
Hi Close Brothers have a fairly competitive savings rate with Hargreaves Lansdown Active Savings. I was just wondering if Close Brothers savings have a good reputation for service etc I have searched for feedback but cant find any . Any comments would be appreciated
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Cash ISA/Savings/Inflation - Query
Good Afternoon, Please could someone help me with the following query, I understand the basics and have tried to find further info online but with no success. It might just be a case of confirming what I think or correcting me if I am wrong. Let's assume in this scenario I have £100k (so over the £85k amount that is…
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Investments for Kids
Hi, my 14yo wants to get into stocks/shares/investments which is something I am clueless about. Is there anyway I can get him involved. His birthday is coming up, he wants a custodial account, will this satisfy his interests?
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Moving to better performing Funds
Hi We set up a S&S ISA fund over 12 years ago as a way to help the kids with University costs. This was initially setup through a broker and we have been making monthly contributions towards it and we now have just over £21k (we have lost about £1.5k since the start of the year for obvious reasons). I think now, may be a…
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Are current accounts covered by Financial Services Compensation Scheme
Hi all, It's a simple enough question but I can't find an unambiguous answer to this anywhere on Moneysaving Expert nor anywhere else for that matter. I even emailed the FSCA itself but they didn't even bother to reply. Maybe I'm missing something. I want to know whether funds in my CURRENT ACCOUNT are covered by the…
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Allica Bank 1yr fixed rate bond 1.55%
Just seen on Savings Champion Allica Bank is offering a 1yr fixed rate bond at 1.55%. Deposits are protected by the FSCS. Personally I've never heard of them. Has anyone else?
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Savings Table By Age
I'm not even sure if one exists, but I've tried searching for a table that gives an average of Cash Savings by Age, I'd like to know roughly were I am compared to others. Thank you
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AJ Bell - Watchlist
Hi Just set up an AJ bell account for a family member as it's slightly cheaper than HL, does anyone know if you can create a watchlist/favouirite shares list in which you can deal directly from the screen? seems like you have to search a share each time you want to see the performance and deal that way which seems…
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13 payments into Club Lloyds Monthly Saver
My Club Lloyds Monthly Saver is maturing soon. I cannot see a maximum amount in their T&C`s. I presume I can benefit from making 13 monthly payments of £400 totalling £5200 and receive the 2.5% interest.
