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How to protect my investments?
In the event of the US Dollar crashing or no longer holding reserve currency status, how would that affect my investments? Should I sell some funds and invest in gold/silver now? If so, in what proportion? If equities were to significantly fall, is it safer to convert into cash? I know you can't give advice but expert…
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Nationwide rates
I opened my Flexdirect acc in Jan 2020 with guaranteed 5pct on bals up to £2500. Nationwide have renaged on this and are only giving me 0.25pct on bals £1500.
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Finding an IFA
Hi all, guess I do need to talk to an IFA at some point. I was given this site a while ago https://adviserbook.co.uk/ , but seems it stopped working? When I did the search before, there are lots of FA but verified IFAs are few! 1) Do you think they do online meeting these days? I would imagine it's the new norm now? Is it…
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NS &I Savings Accounts
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NatWest Savings Builder rate reduction to 0.75%
As from 18 August, the interest rate for the NatWest Savings Builder is being reduced from 1% to 0.75%. I received a letter this morning advising me of this change.
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Cash or S&S for saving over a 6-8 year horizon?
We never buy cars on finance. Instead we save £480 per month into a specific account which gives us enough to replace the cars every six years. In reality we usually keep cars longer (mine is 8 years old in September and I'm pretty sure I’ll have it for another 1-2 years) if they’re still in good shape, in which case we…
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S&S ISA advice
I've recently opened up an S&S ISA and I'm looking for some advice. I thinking really of following a long term growth plan, I'm talking 30 + years whilst drip feeding money in monthly. I'm prepared to go pretty risky due the long time frame but you would like some of my portfolio invested in bonds. I'm started with the…
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What to do with inheritance
This must come up so often, I guess it is frustrating for regulars to see, but, I'd like to get a few suggestions relevant to my specific situation, before finalising my choices and going ahead. Thanks for any help people give .... I inherited £120,000 last week, paid into my Santander 123 Current Account (not the best…
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Gap analysis question for technical analysis speculators/investors?
I am relatively new to technical analysis, however I do have a bit of background in fundamental analysis as a private investor.I was looking at gap strategies recently. A "course" I did recently tells me to short stocks that have an open price gap between 2% and 8% and long stocks with a gap between -2% and -8% (assuming…
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Good finance blogs/news sites
Anybody recommend some good finance blogs / news sites? Interested in personal finance, FIRE, business, markets, etc. I think I'm addicted. I currently read the following but looking for more: * Money Saving Expert (obviously) * Zero Hedge * Money Week * Be clever with your cash * Budgets are sexy * Mr Money Moustache *…
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Seeking advice/reassurance: Vanguard investments
I probably should have asked these questions before investing, but after a decent amount of research I parted with 30K last week, dropping money into the following funds: ● Vanguard Lifesafer 40% equities (5k) ● Vanguard LS 60% equities (10K - wrapped in ISA allowance) ● Vanguard LS 80% equities (10k - wrapped in ISA…
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GOLD---in the form of Krugerrands
A topic about gold jewellery on this Forum reminded me that I mentioned a day or two ago my 1 ounce Krugerrand collection------- in the savings and investments Forum, where it was very much out of context as the discussion of "punts" (that I doubt any poster invested in) was the order of the day. Can anyone tell me if they…
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Gold - in form of jewellery
Hi I have a bunch of gold jewellery that I need to initially value and then sell for a cash sum. It's the first time I'm doing this. When selecting a reputable valuation company what key criteria must they satisfy to ensure that they are legit and do a proper job? Based on my little knowledge on this area for me if they…
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Fidelity funds and shares
Hi, I have just joined fidelity, and opened an investment isa, and enrolled into a fund. I'm also looking at having a go at individual share dealing. Can I also do that within the isa account? Or do o need to do it though an investment account? As I think I can only invest in one investment isa (fund or share) per year?…
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Savings newbie - advice on maximising money
Hi all, I'm new to understanding how to maximize my savings and most my money at the moment is receiving very low interest, particularly due to the current situation.. Looking for advice on the plan below and anything I have missed please? I currently have 17.5k in a Cash ISA, 3.5k in a H2B, 1.5k in S&S (opened 2 months…
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Child's account opened by ex-partner's grandparent - how do I find it?
I need to find two accounts, opened for my two eldest children after they were born in 2001 and 2006. These were opened using the then-government's £250(?) voucher payment for each child(I think the scheme differed for each child), and should not have been accessible until they turned 18. The problem is they were opened by…
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Shawbrook bank rate cut
Anyone else bank with them? Opened account in March i thought I would be ok for a year Presumably give them 3 months’ notice and leave a nominal sum inWhere to though? “The interest rate on your account will change from 1.55% Gross/AER (variable) to 0.60% Gross/AER (variable) on 15/12/2020.”
