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RBS SAVINGS BUILDER ACCOUNT
Just looking at Instant Access Savings Accounts, considering the Saga one, and then saw this one from RBS (who we already have a Current Account with), and wondered if it might be a good bet? Earn up to 1.00% AER/Gross p.a. (variable) when you grow your savings by £50 or more each month Flexibility when you need it. If you…
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RCI Bank Interest Rate Decrease on Freedom Savings Account
Just had an email notifying of rate decrease:_ "We recently decreased the rate on our Freedom Savings Account for new customers to 0.72% AER gross variable.As an existing customer, we will maintain your current rate of 1.05% AER gross variable until the 8th of July 2020. After this date the rate on your account will be…
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Online trading, broker or stock ISA?
Hi, I'm new in investment, I want to buy some shares but got confused by varies options available! Some apps offer no-fee transactions and you can buy and sell with 0% commision like Trading 212, eToro etc. Some of them charge you at least £3 for buying or selling like IG, Saxo, Fineco etc. Some people suggest opening an…
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Best time of day to sell funds?
I'm sure I've seen this question asked before on this board, but doing a search brings nothing up. Is there a best time of the day to sell funds, only I understand that there's a best time to buy funds which can affect the price you pay. Obviously I'd like the opportunity to sell at a particular time of day if there's a…
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Children's savings - stocks and shares ISA recommendations
I would like to start saving for my son and get him a stocks and shares ISA of some sort. Can anyone recommend the best one/s or different types please? Pitfalls to be aware of? I am a total newbie to all of this! Many thanks
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Tax on Land Investment
I am 80yrs old and am selling My Share of a piece of Land, i expect to get £12000 for it, How much Tax would i pay, Thanks
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Tax on Interest from Children's Savings Accounts
I wanted to seek advice on the interpretation of the following from HMRC at on the gov.uk site under savings-for-children: "if, in the tax year, the child gets more than £100 in interest from money given by a parent. The parent will have to pay tax on all the interest if it’s above their own Personal Savings Allowance." My…
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Long Term Stocks/ETFs for Tech/Cloud
I'm not going to lie. I like tech. I like cloud. I'm not an expert but I think anything along those lines will outperform the market long term. Thing is, all the ETFs I have are heavily biased towards the the FANG stocks, and have only a tiny exposure to other long term stocks I like such as Chegg, Qualcomm, Skyworks,…
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Transferring money to the UK - is HMRC entitled
I've recently been gifted €30,000 - €10k from my mother who is still alive and €20k from my brother, which came from the sale of a house he inherited from our aunt. He divided the proceeds of the sale between all us siblings. I'm Irish but live in the UK and want to transfer the 30k Euro to my UK bank account now that the…
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Prudential - advice on funds
Hi. I've listened to advice from this forum about taking advantage of paying AVCs via my LGPS but struggling a bit to know which of the funds to invest in with Prudential. There are 10 to chose from, I'm starting with a smallish monthly investment so thought it probably best to stick with 1-2 funds? Or would it be better…
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Investment strategy - SIPP vs S&S ISA
I am curious to understand why people have different investments in their SIPP from their S&S ISA. I have been running both for a few years and many of my choices appear in each. Now, at 65 I wish it was all in S&S ISA for tax reasons. Thanks for any input.
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Thoughts on my Asset allocation and financial position
Hi all, just recently logged back into this forum where I sought after advice on how to start investing back in 2014. I took the advice (some very good advice looking back at it) and have continued to invest since. The main part of my portfolio consists of the following: VLS80 ishares bric 50 ishares global property class…
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Strowz... Any reviews?
I looked into the forum, but cannot find anything about Strowz (part of MarketsFlow). They offer 2% interest on an easy access account in return for £1/month... and they are fully FSCS protected up to £85k... but I cannot find reviews anywhere or advices... has anyone got experience of them or know them? Clearly it does…
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Nationwide "Start to Save" Instant Access 1% AER With Chances To Win £100
It works like a combination of variable rate instant access savings account, regular saver and premium bonds. See https://www.nationwide.co.uk/products/savings/start-to-save/features-and-benefits What's the annualized interest rate range if £50 is paid in each month and the prize draws is taken into consideration? Is it…
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APS ISA Allowance (Exceptions)
The rules for transfer of an ISA held by a now deceased person to their spouse, by utilizing the APS ISA allowance state that the transfer must be: * Completed 180d from wind up of the estate or; * Within 3 years of the persons death or if later. Is there any reason under which HMRC will make an exception and allow…
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Question about iShares Edge MSCI Wld Mom
Hi there, I currently hold the Vanguard FTSE Developed World ex UK fund for some time and pleased with it. I've been looking at how this has compared against other funds (Fidelity Index World P, L&G International Index I etc) Whilst looking into other investments I came across the iShares Edge MSCI Wld Mom ETF which has…
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Premium bond tips and tricks
Hello all, I'm considering moving some of my emergency fund to premium bonds (around 10K worth) and was hoping to get some hints and tips from the forum. 1. Is there a preferred date to buy PBs? I know they are normally added into the next months draw, so if I pay in at the end of June (for example) would they be entered…
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Transferring HTB isa to LISA?
Hi all, I have maxed out my HTB isa a few months back but with current conditions the interest rate on the account has dropped to 1.7%. I, wondering if the money will be served best elsewhere, for example a Lisa? I’m not going to be using the HTB scheme to buy a house most likely now so unsure what do to with this money. I…
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Robo vs IFA Managed Stocks & Shares ISA
Hello, I've had a Stocks and Shares ISA with the Old Mutual Wealth platform for about 5 years. This was set up and managed by an IFA until earlier this year when the IFA's company was bought over by a larger firm and they decided that they were no longer interested in my business. The funds (c.£10k) remain with Old Mutual…
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INVESTMENT ADVICE
Hi needs some much needed advice.I will be in receipt of £25 000 in a couple of weeks and have no idea what to do with it regarding investing. I will probably need to access it next year.I don't own any property on will probably not buying anything as I am 55, also married so don't think there is much available to me.I…
