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Considering CSOP
Hi All, I've learnt a great deal from this forum and was hoping someone may be able to shed some light on the important things to consider when determining whether to buy company shares under a CSOP. This was recently made available in the company I recently started working for and trying my best to understand the contract…
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Where to put £15/16k?
Looking to move between £15-16k somewhere. I know rates at the moment are terrible but we literally get nothing at the moment from Nationwide. Hopefully wouldn't need to touch it, and can continue to save approx £500 per month. Thank you
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Being fair to grandchildren
Apart from "rainy day" savings our investments are all in Stocks & Shares ISAs - when each of our grandchildren were born, we got their parents to set up Junior ISAs which we regularly contribute to and I manage the portfolio of investments. Sometime before their 18th birthdays, we'll involve them in the investment…
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NS&I took payment but I can't verify
After reading the MSE email recommending NS&I for current interest rates and it being all online I thought I'd give it a go. Yes, I made a HUGE mistake, stupid to think it would work without decent verification but, it doesn't mention this until after making payment. I don't drive and have no passport (in date that is).…
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Inheritance tax - Allowance clarification and does main residence nil band have to be a UK property?
First of all many thanks to anyone who answers this post! I have been researching on the internet about inheritance
tax and there are a few things that I cannot easily find an answer to and I
thought maybe someone on this board would be able to guide me. I am fully aware that random advice on the internet
is not a…
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Student needs savings/money advice
Hello all.So I'm in quite a lucky position. Bit of a long and rambling post, but basically I'm after tips on how to put away £20k while teacher training so I can buy a house pretty much as soon as I start working as a teacher (NQT).Now for the detail:I've recently graduated from my BSc Physics degree, and I'm starting a…
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VLS80 or 80% in VWRL and 20% cash in NS&I income bonds
Probably a silly question, but as per the tittle, are vanguard bonds worth having or would the same percentage in cash in the NS&I work just as well with 80% in VWRL or similar ? Context: £10k to invest either as a lump sum or drip fed over 6 months. Will leave funds invested for the entire period regardless of what…
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DUPLICATE - please delete
Please delete
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Halifax account
Hello my son has a trustee avings account opened by his Grandma with the Halifax. His grandma set it up so he could save to buy a car when he turned 18. He has over £3000 in it. He is now 19 and wants to withdraw the money but the Halifax say he can't have it without his Grandma being there with him! This is impossible as…
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Investment Advice
Hi everyone, My son is 22 years old, still living with me and he
doesn’t intend to move out for at least 4+ years’ time. So, he’s looking for
the best place/s to invest his money. He has about £35k saved, £30k is
currently in his NS&I Premium Bonds account, with the other £5k in a
Barclays Help-To-Buy ISA account (which…
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Something to gladden Diggers heart
From en email I just got
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Vanguard £200 per month to invest - Split or one
I am looking to invest £200 per month in a Vanguard fund or fund's, looking at medium/long term 10/15 yr's. * Would it be best to choose 1 fund and put all in one or split between a few. * Has anyone got any suggestions either one or ones to choose, "Not taking this as Financial advice just people opinions". Thanks Tim
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Redirect the pension contribution in custom funds
Hi, I wish to change the way my company is investing their pension contribution, and my part as well. Instead to take some pension fund, I would like to buy stocks with it or something like VLS80 too, or one of their pension plan in the worst case, is that possible? How much is a good contribution per month? Currently we…
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Investment Bare Trust status
If I have an investment in a bare trust to benifit a child and I as trustee reregister the investment or sell and buy new investments,but the application states that I will be the sole account holder, will the original bare trust status still hold wrt the child?
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Maximum amount of Premium Bonds Holding is still £50,000 since June 2015
The maximum holding of Premium Bonds that anyone can have is still £50,000 which has still not been increased for the last 5 years, since 1st June 2015. I am curious as to why this has not been increased, especially since, due to Covid - 19, the Government needs our money whereas the Banks don't, hence the extremely low…
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How can I invest in The Ant Group IPO? (Hong Kong)
Hello, Is it possible to invest in an IPO launched in Hong Kong and Shanghai? I am very interested in this company, The Ant Group, it is like PayPal but massive. Here I see an article that says it is impossible from the US. https://investorplace.com/2020/07/how-you-can-invest-in-the-ant-group-ipo/ But, what about from the…
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Passive investment options for windfall
I'm looking to invest a sizeable windfall into an index fund or similar. I don't need access for the funds so this is essentially a long term, invest and forgot investment. I'm thinking a fund with equity heavy exposure across local and international stocks. Key questions are: Average in over the next 12 months? Or all in…
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How to benefit from £ cost average
Hello, I am am new to invest and I think I have gathered some information on how to start. I am looking to invest in VLS60 or VLS80 fund but I have £3000 saved and I would like to split this on a monthly( or even weekly basis) rather than bulk payment. I plan to add an extra £200 to£300 every month. Any advice on best way…
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Vanguard funds allocation and distribution
Hi, I invest in VLS80 and S&P500 on the Vanguard platform. I was thinking on when to buy monthly, but because the index is impossible to be monitored by me alone, I thought that the best would be to drop feed every month anyway, so in the long term, any potential loss during the time of investment is actually a greater…
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Vanguard hedged global bond index vs. VLS as the bond element decreases
This
graph shows the hedged Vanguard global bond index (orange C), VLS 20% (red A),
VLS 40% (brown B ), and VLS 60% (purple D). What surprises me is the much wider
gap between 0% bonds and 20% bonds, than between the additional 20% bond
increments. What is the reason for this, please? Is it that VLS does not hedge its…
