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Maturing Fixed ISA's
I have Fixed IS's maturing in August. Rated being low, is it worth while me moving it to NS&LI @1.6%
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Short term bonds
Hi, Im looking for the best rates for savings over 2-4 years and I'm a bit confused about the pros and cons of short term bond funds, and if they typically offer better returns than savings accounts/ premium bonds. many thanks.
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Where to get advice / ability to compare options?
Hello I am looking at our finances. Currently have two properties. One in London and one in Glasgow. It's re-mortgage time on the London flat. Currently rented. We are thinking of taking out some equity (currently 25% ltv) on the London flat to do up the Glasgow place. However, if we sell the London flat in the next 10…
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Best investment for lump sum
Where is best to save a lump sum? Wanting to put money aside for both children and the rest in my name. They already have children’s isa’s is it worth putting in there or not? I have a regular saver account but no other savings account. Thank you
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VLS vs HSBC_GS Fees
New updates in reply 5 ----------------------------------------- Hey guys, Newbie here. I found it's hard to fully grasp the differences of fees. Different websites give contradict figures? For example, trustnet shows HSBC (OCF 0.17%, AMC 0.10%) and VLS (OCF 0.22%, AMC 0.22%).…
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Changing my S&S isa?
sorry of a newb question. I currently have a VLS80 which is averaging around +14% with est 4.5k in there with 300pcm contributions As the VLS80 is heavily UK weighted, I've been looking ti change to global tracker, which also appear historical to proform better too. My question is, now I've contributed to my VLS80 in this…
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Investment ISA Questions - Please help
Hi all, I want to open an investment ISA and choose the stocks myself but I am struggling to find any platform that allows me to do it. I'm not planning on doing many trades but I also have a few questions that I am struggling to find an answer for so any help would be hugely appreciated. I know that if I setup an…
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Does my plan need altering already?
Hi all I recently started investing for the first time after reading lots of stuff, listening to lots of stuff, and eliminating debt and creating a block of savings. I decided to open a Vanguard LifeStrategy 60% and 80% with the idea being that I put £100 a month into each for the next 20 years (possibly increase…
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Investment period VLS
If one decided to invest a lump sum in Vanguard LifeStrategy. Have I got this about right: * 20% equity 1-3 year investment period * 40% equity 3-5 year * 60% equity 7-10 year * 80% equity 10-15 year * 100% 15-20 year Would it be foolish to invest in the 80% equity VLS for a five year period? What if you wanted to maximise…
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Buying American Shares like its own citizens
I want to find out if it is possible for UK citizens living in the UK to buy American shares like its own citizens without extra shortcomings. Currently, there are some limitations if buying American shares via HL.
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NS & I savings certificates index linked
Just received my first statement using CPI instead of RPI . May 2019 to May 2020 + 0.55% ( + 0.01% interest ) :/ Not quite as attractive a product as they used to be....
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Children's savings
I have twins age 5 who have 10k each saved in a Barclays instant access savings account. The interest rates are decreasing next month to 1.50% for the 10k and 0.01 to anything over the 10k. Im not sure whether to shop around for better interest rates, to get an ISA or to invest it in premium bonds? Any advice greatly…
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S&S ISA when moving abroad
Hi, if you have a S&S ISA with some amount of money invested and you move abroad, of course you can't continue paying into it anymore but do you legally have to sell your investments and withdraw your money before you move? If you're allowed to keep the account open, when you eventually do sell do you then have to pay tax…
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Which cheap stocks to invest in?
Hi, I currently own shares in high end stocks (Netflix, Tesla etc.) and wanted to invest in some cheap stocks that pay dividends as I only have Tesco in my portfolio that pays dividends. I am looking at Legal and General, Aviva and Centrica. What do you people think? Open to any other suggestions. Thanks
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Fixed isa with two years left to run treatment after death
I’m dealing with an estate with a fixed isa on a very good rate. Looking at the government site it suggests that isas can or should remain open after death until estate settled or isa requested to be closed or three years pass. The bank however has closed it and say that is their policy. I raised a complaint but that got…
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Al Rayan Everyday Branch Saver Account; minimum balance?
Al Rayan ‘Everyday Branch Saver Account 1.35%’:...Anyone
know the minimum balance I need to leave in this account to keep the account
open? I’ve had a squint at the Ts&Cs/faq’s but I can’t see any
notation. Thanks in advance.
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Is Marcus UK website down?
Tried a few times this morning and just get the spinning M...
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Next divided for funds
After a fund (OEIC) goes ex-dividend but before it distributes, where can you see what the dividend will be?
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Raven Property Preference Share conversion
* I deleted this post but as discussion followed I'll put this back in so anyone searching for it can find it. It was about the conversion of all Raven Property Convertible Preference Shares (RAVC) into Ordinary Shares and normal Preference shares (RAVP). For more details…
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Understanding share prices
First off I fully appreciate that buying individual shares is high risk and it's not something that I want to get into - in part due to me obviously not understanding the basics I'm also risk averse. My Husband on the other hand has more interest but not the knowledge (not sure he realises the latter :smile: ). He has…
