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Halifax / Marcus or AA?
With Marcus dropping their rates & Halifax changing their setup, i'm looking at where to place my money and want to check i'm getting this right. I remember reading from a thread that with the change to Halifax, £5k split across the accounts would be equivalent to 1.20% on that account .... roughly. My Marcus is sitting at…
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Anyone else selling...?
I liquidated half my holdings when Corona first "happened", after the markets had sunk about 5%, my logic Corona could only be bad news, and nothing positive could come out of it, so at worst I would incur the transaction costs, I wasn;t looking to profit, just reduce losses I bought back a large chunck of VLS a few weeks…
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Non-UK resident - UK bank account
I am a British citizen but am non-resident in the UK. As I have more than 85,000 in savings in the UK, how can I spread my UK savings among different banks to overcome the 85,000 FCS cap from each bank in the event of bank collapse? Most UK banks won't open an account for me because I live outside the UK. Is there a…
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Opening a savings account which requires 3 signatories
Hi, I need to open up a savings account for my 17 year old son (but not in his name) on his behalf as he has inherited a lump sum from the death of his father. My solicitor has stipulated that because my son is under 18 a bank account/savings account needs to be opened up until he is of age to access the funds himself. The…
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RCI 95 Day Notice Account
Had email saying interest rate on this account reducing from 1.40% to 1.00% on 26th September as in line with rate for new customers. If this is reducing surely their instant access account is in line for a further cut?
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Transfer Help to Buy ISA in Halifax
Hi Guys, Anybody was in contact with Halifax recently? Is it still difficult to reach them on the phone? I want to transfer my HTB ISA from Nationwide to Halifax, ideally would like to do it online:-)) https://www.halifax-online.co.uk/personal/a/registration/onlinepersonalregistration.jsp I do not have any bank account…
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What would you do as 21 year old investor?
Hi guys, I am a new investor and I have started to take interest in this field. I have been using Wombat app as it is super nice for a newbie. However I am not so sure yet where to invest my spare £800. I have invested small amounts in couple funds, however I am holding back a little for now as I am trying to make a smart…
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Save to get LISA bonus or use money to pay off 0% debts
Hello everyone, I have a bit of a query about what to do with my money. My partner and I recently decided to combine our incomes in our quest for a house deposit. As we both have roughly equal amounts of debt we are also pursuing paying off debts together as common goals, based on which is most pressing. Our current…
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Fine Art "investment" mistake
It turns out my elderly father has invested a considerable sum of money in "fine art" with TheLondonArtSociety (.com), to the extent that he has emptied his savings and exceeded the credit limit on several credit cards. I tried googling this company, but apart from their website, can find no mention of them anywhere. They…
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Vanguard LifeStrategy Funds , Opinions requested.
As a relatively inexperienced investor, I read around and put some money into VLS80. Since then, read around a bit more and have now got onto ii and have about 5-6 funds mainly. Of which, the consistently worst performer is the VLS80, looking at past performance. I still rate myself as a fairly inexperienced investor. I…
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Best savings for about £40k
Hi, I am looking for the best way to save around £40k, it will be used in a year or so for a deposit on a house. I know £4K in a LISA is best but what would you recommend for the rest? Thanks
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Rci 95 days notice account - rate reduction
We recently decreased the rate on our 95 Day Notice Account for new customers from 1.40% AER gross variable to 1.00% AER gross variable. As an existing customer, we will maintain your current rate of 1.40% AER gross variable until the 26th of September 2020. After this date the rate on your account will be reduced, in line…
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Vanguard FTSE All-World UCITS ETF vs. Vanguard FTSE Global All Cap
Vanguard FTSE All-World UCITS ETF vs. Vanguard FTSE Global All Cap I understand both funds have some similarity , but I wonder whether you would choose one over the other and why ? Thanks in advance
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easy access savings account
Hi All, I'm taking money out of an investment bond. I want to have 100k available to use within in the next year or two maximum and am wondering what the best options are? I have a Marcus account already so could put up to 85k in there. Any advice on where else should I use? Thanks,
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Trust Fund
Our son will be 18 in November and the trust fund we set up at birth for when he might attend University is worth 5000. Sadly, he is now using hard drugs and we really do not want him to have access to this fund at this time. Is there anything we can do?
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Shawbrook bank
I’ve opened an account with Shawbrook bank to invest £40000 but my bank won’t sanction the payment as they say it may be fraudulent. If I go ahead with the payment it’s not covered. How do I know if the Shawbrook is ok?
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Nasdaq hits record high
The Nasdaq Composite has just rallied to a record high, with an intraday peak (so far today) of 9847.16 in the opening minutes of trading, before pulling back.
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Should I reduce HMRC payments on account?
Hi, just looking for a little advice. I have already completed my online self-assessment return for 2019-20. Near the end, it asks if you want to reduce payments on account, I have always said no, and did again. However, I have been wondering whether I should go back and change that, for two reasons: 1. Due to Covid19, my…
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Is my portfolio too risky?
Currently I'm investing in the Vanguard Global All Cap Index which is weighted 59.8% America, 17% Europe, 12.5% Pacific, 10.1% Emerging and 0.6% other. But now I'm thinking this is too risky and I should play it safer and go with the Vanguard S&P500 index fund instead? I feel very uneasy investing in countries which have…
