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Preference shares if company floats
Hi, I have some money invested in a company that is considering IPO next year. The money is divided into a small amount of ordinary shares and a majority of preference shares. What happens if the company does float? Does my investment just get paid out or can these shares transfer to the "new" company - ie do I have any…
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NS&I Income Bond Final closure interest amount too low?
I was about to withdraw and close my NS&I 1.16% Income Bond until I got to the final confirmation screen where it tells you how much interest you will be getting where I got a figure that appears to be way lesser than I had expected. I opened the account in July but have had at least 27K since the 1st of August so I was…
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Community broadband scheme - 5% annual return over 3 years
Spotted this investment opportunity in our local community broadband scheme, which I'd be interested in your thoughts on... what factors should I consider before investing? https://levensb4rn.com/investing https://b4rn.org.uk/wp-content/uploads/2020/08/Invitation-to-Subscribe-for-shares-in-B4RN.pdf In summary the local…
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Inheritance money - how many investment trusts to hold.
I have inherited £10,000 from my gran who passed away earlier this year. I'm 34 and I have no debts, have an emergency fund and I am overall in a good financial position. I have done some research and I feel investment trusts are a good option and have come to the conclusion that investment trust tend to outperform OEICs.…
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Withdrawing from Santander Investment Hub?
Hello, I'm trying to withdraw some funds from my Santander Investment Hub after recently selling. I spent about 45 minutes trawling the hub to find out how to withdraw my money but I can't for the life of me find any means to do it. I looked at all the guides online but there is no instruction on how you do it. Does anyone…
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20K what to do with it?
I have 20k in savings currently sat in a current account. Any ideas on what to do with it to make it work?
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Gifted BTL in personal or ltd company
Hiya, i have seeked professional advice but I'm a worrier and still after opinions please. Facts- Earnings £45k Gifted 2 flats each: Worth 150k Mortgage 85k Equity 65k Rental income 650pm Mortgage 325pm I just can't work out what way to go. The advice and my findings seems to be if LT investment put into ltd company, if i…
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The Boring Bit of the Portfolio
I am trying to figure out what to do with the non equity part of my investments. This part of the portfolio is there I guess, to reduce volatility, to ensure that I can take advantage of corrections when they occur and to make sure that I am never in the position of being forced to sell equity in a dip (I am retired and…
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Should there be a legal minimum interest rate for fixed rate accounts, for NS&I at least?
Newbie here! Is it just me that thinks this or does anyone else agree that it really isn't morally right at all for financial institutions, especially a state savings provider like NS&I, to be offering very low interest rates (less than 0.5% AER) on fixed rate accounts? Surely if you're asking people to tie their money up…
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Best Trading Platform for someone on a budget??
Hi. I'm about to dive into making the odd trade but am getting confused with the amount of info out there. I want a trading platform for someone on a small budget, basically, if one exists? I was thinking of just making a few trades a month if that. Can I risk the cheaper trading platforms??? I also want to know if I…
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£100K Investment for monthly or annual income
Thought this forum more apt than pensions. Just looking for some advice, generic perhaps as it probably wont happen for almost 2 years or so. When I retire in about 2 years i need a top up in annual income, i am downsizing my house at that time and will have at the very minimum £100k cash to stash somewhere. Its not really…
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Platform for a monthly trade(s)?
I've done a bit of research but I'm struggling to choose a trading platform for regular saving. I have about £25K to save. Sometimes £1k a month, other times £3K. Premium bonds are full. I doesn't feel right to let the sum build in my current account then make a yearly fund (or two) purchase through iWeb (where I have 20k…
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Tipton BS RS discussion
Created this to save chatter in the main RS thread.
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Readymade investments
HI, I usually just put my money into savings accounts and take the interest. However, due to the poor rates, I am thinking of putting my money into a readymade investment. I know a load of banks do this (I've looked at Halifax and HSBC) and have various levels of risk you can choose. Also, I have been advised by a family…
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Finsbury Growth & Income Brexit Deal
I am invested in FGT and was wandering whether shares in this trust would benefit from a Brexit deal or would it be detrimental? Same question really for other UK funds/trusts.
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UK stocks doubts
What's the point to invest in UK if: - Exponential growth is a dream, I don't see such companies around unless ultra penny stocks like PowerHouseEnergy, but I wouldn't risk too much money with such low penny stocks... - Options are not in my knowledge - Dividents are a bit useless unless you take BP, Vodafone, BT etc…
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Bank Lied to Prevent Me Closing Account - What Rules or Legislation Does This Breach?
I am in the process of putting together a grievance to my Bank's Head Office and will follow that up with a complaint to the Ombudsman if the Bank don't provide an adequate resolution. I wondered where I can find out about code of ethics and so on, as I'm sure it must be against banking rules to deliberately lie to a…
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Best account for Regular Deposits?
I've been depositing £1 into an account every day for the last 600 days by standing order. I now think i should be depositing this money onto an account that accumilates interest. What would be the account with the highest long term return for regular deposits? Would it be a current account? An isa? A regular saver? A…
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Is this right to sell ISA mysel?
Speaking to iweb , asking about transfer times etc for ISAS , I said I was going to fill in their transfer form to instruct current platform , to switch my old ISA fund to iweb as cash. ( I just wanted to make sure there was no problem with starting off an account with a transfer as oppose to fresh isa money ) He told me…
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Spreading Investments
I am fairly new to investing so please be gentle with me. I use Halifax Share Dealing and like to buy shares which hold many other shares eg BAILLIE GIFFORD US ORD GBP0.01 which give me a spread of US companies. I see they have other shares which concentrate on other areas of the world. They seem to have a good reputation…
