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ISA or SIPP
If you had 100k in a SIPP and 100k in an ISA and you needed to draw down an income from ONLY one of them (say 3k per annum), which would it be and why.
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Where best to invest for children?
Hello I'm hoping that you very helpful people on here will be able to help with the best place to start investing for children We have just received a £1000 inheritance for each of my children and are interested in investing for them. Currently they have a normal savings account and a Junior Cash ISA. I am looking to…
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NS&I Guaranteed Growth Bond Renewal
Guaranteed Growth Bond,
Issue 56, 3 year, 2.2% (nice!) renewal next month. Options presented are:* Default: Guaranteed Growth Bond 3-yearGuaranteed rate, 0.40% gross/AER Other Options: * 1-year 1.10% gross/AER * 2-year 1.20% gross/AER * 5-year 1.65% gross/AER With the caveat "This interest rate
could change between now and…
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vanguard platform down
Hello, Has anyone tried to log into vanguard today? The log in page seems to be down. Regards
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Good Savings account
I'm looking for a new savings account to switch from Santander. I put in £1000 monthly but I don't have any direct debits. This is literally just an account to put some.of my salary in which I then transfer to an ISA once I get a decent amount. I do sometimes take money out of this account if I go into overdraft on my…
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Tandem Fixed rate advertised at 1.4% - is it a scam?
Brief timeline of my attempt to open their advertised 1.4% saver, which I emailed them about in early October 2020: 16 October I received an email from them stating: “Your 1.4%
AER* Fixed Saver download link was sent to you and is ready for download! You
must follow the steps outlined below to open your account.” This
was…
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Need to move long term investments.
Hi, I'm a little lost and need some unbiased opinions please. My wife and I have a Scottish Widows unit-linked investment which has performed okay(ish) over the last 10 years. It's now not producing an annual profit and, in fact, losing money after the charges. We're looking to move this money, but not sure where it should…
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ISA stocks and shares platform - iWeb alternatives?
Hi AllWas wondering if anyone can give their personal recommendations for a platform for my stocks and shares ISA, I currently use iWeb which has done the job however I find myself increasingly wanting to invest in funds which they do not have, I did contact support and they have no plans to add the ones I'm trying to…
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Savings platforms
Does anyone have any experience or knowledge of something like Hargreaves and Landsdown Active Savings platform, or Raisin UK? I'm contemplating them but only just stumbled upon them. Note, neither of these charge a fee unlike say Flagstone. Keen to hear people's views! Thanks
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Drip Feeding.....
OK.. my brains gone to mush with trying to work out different sums from different accounts to gain some interest. So can anyone work it out for me please....
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High Yield Defensive Stocks
I have a relatively small proportion of my portfolio in cash from a recent pension transfer into a SIPP. I decided I wanted to invest this money into some relatively high yield defensive stocks (3/4 different shares) with some potential for growth. As an example, several weeks ago I invested in Legal & General at 180.00…
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ZOPA
Does anyone have any advice about investing with Zopa Bank?
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Best Children's Saving Accounts - First Time Accounts
Currently in process of applying for 2 child's bank accounts with Natwest, not happy with service actually getting the accounts open. (been around 7 weeks) Can anyone recommend which banks/building society's are good, in case I decide to cancel the applications due to lack of progress?
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FTSE 100 still unpopular
There are many posts on here saying how bad the FTSE 100 is.... Is that still the view, the big oil companies no longer dominate, I've seen "big pharma" refered to negatively on here (why!), likewise miners, we're going to need stuff out of the ground for the indefinite future. Unilver, Diageo, Reckitt make products the…
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S&S LISA - fund/tracker options
I have £15k in a cash LISA, I may lose my 'first buyer' status and if that happens my preference would be to transfer the £15k to a S&S LISA and invest it into a fund or tracker and think of as a supplement to my pension for the long-term. I already have a Vanguard S&S ISA and contribute £150 monthly as a 'fire and forget'…
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Safest places
Guys, Besides NS&I where else would you consider the 'safest' place to deposit a hefty sum? I'm aware besides NS&I it's just 85k per institution, but which do you feel are the safest? Conversely, which would you not touch with a barge pole?! Thanks
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Best savings account for couple when moving into first house
Hi all, hope everyone is keeping safe!!! Me and my partner will be moving into our new house sometime in December fingers crossed. I was hoping someone could offer some advice as to what the best kind of joint savings account would be for home improvements/ holidays etc. I will be looking at putting 25K into a joint…
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Avoiding the notional 60% tax band
In a couple of years when I start to receive the first part of my teachers pension it looks like I may creep into the notional 60% tax band. I'm just wondering if there is anything that I may have overlooked that provides tax free income (incl. prizes like premium bonds which I already hold the max allowed). Can anyone…
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NS&I warning - withdrawal delays from Income Bonds?
Just heads up if you're in a rush to withdraw money from NS&I Income Bonds, there's strange shenanigans going on and I would allow at least 2 weeks for things to go through. Myself and my wife set up accounts about 6 months ago. Set up at exactly the same time and both linked to Halifax accounts. Essentially identical…
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Transferring old isa & having current S&S isa
I have a 2yr old cash isa maturing at the end of the month & want to transfer it to a fixed term Kent Reliance one, who have a slightly better rate. I do also have a S&S isa that I've contributed to this year & just a bit confused whether it's OK for me to open a Kent Reliance cash one for the transfer.? I do hold an old…
