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Tax on wealth suggested
The following article suggests a 'wealth tax' as a means to pay for covid. I hope we don't go down that road but there are obvious pitfalls like someone with a valuable house but no cash to pay the tax; how do you value defined benefit vs money-purchase pensions?With zero interest rates for savers and debasement of our…
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Amazon stock trading platform
Good morning to you all. Yesterday something grabbed my attention it was a automated Amazon stock trading platform, called max profit I was on a focus group and they were talking about the above BUT does anyone know is this a Scam or is it real IM a novice and have wanted to learn how to buy amazon shares but scared of a…
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Additional Rate Taxpayer & Savings/Investing Strategies
My husband is currently an additional rate taxpayer. We want to make the most of this income while it lasts & make the most of any tax savings. We have: Maxed ISA, maxed Premium Bonds, have a Family Windfall Bond (live in NI so other similar products available in the mainland are not available to us), increased pension…
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Premium bonds - questions on old ones
Hi.. I have recently found £5-6000 of premium bonds that my mother/father have as part of their estate. I’m now a lasting power of attorney for my mother (my father passed away 16 years ago) and these bonds have been in a box for years. How do I find out if she is due any prize as I believe they have not been checked for…
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How to pick a S&S LISA for a beginner
I have read through the LISA guide on here and had an initial lookat the AJ Bell and HL websites, but not sure I'm anything but more confused. I'm considering a LISA to help bridge a gap between retirement and being able to claim my state pension and work pension with minimal reductions as its tied to state pension age. At…
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Escaping SJP
As above, my family, comprising my parents and myself, would like to leave SJP but apart from their outrageous exit charges, this is further complicated by a discretionary trust covering approx half of the funds. I have read some confusing stuff suggesting that this is basically impossible, which seems ludicrous to me, so…
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2k Savings - What to do?
Ok so basically I have managed to save 2k so far and have it sat in my savings account with Barclays. Its not a special savings account or anything, its just the one attached to my current account. My Question is what to do with this 2k to make it work for me. I have zero idea about anything like savings or investments etc…
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Fintech
Dear all, Looking for a Fintech satellite fund. The following looks pretty decent. Any views appreciated. AXA Framlington FinTech Fund Z GBP Acc Many thanks
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Where to keep my £250k for 3-6 months?
Hi there, I am receiving £250k from a property I jointly own, and I intend to buy a new property afterwards. Due to various circumstances I will need to keep the money I receive in a bank account for 3-6 months, before I put it towards my new house. Can you let me know where you think would be the best place for this…
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Virgin and Atom reducing rates
14:22 msg from Virgin Money - Man U Double take reducing from 1.01 to 0.51 followed at 14:48 by one from Atom reducing instant saver from 0.75 to 0.5 Happy Christmas savers
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AJ Bell LISA v EQi LISA
Hello, I'm looking at transferring my cash LISA from Moneybox into a S+S LISA with either AJ Bell or EQi. HL don't except transfers in so that one is out of the question. I just want to invest in a simple mutual fund such as Vanguard 60/40 or Vanguard Retirement 2040. I'm 40 next year so I want to transfer before then,…
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Gold
Is there anyone with an opinion on the merits of buying gold as opposed to cash investments such as stocks, shares Isa’s etc?
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Additional ISA investment ideas
Hi folks. I have an ISA that has been growing nicely over the past 5 years. As ridiculous as it sounds I am not overly clear on how long my investment strategy will be, however, it is fairly safe to assume that I am unlikely to touch the funds for a minimum of a further 5 years. My long term plan is to buy a site and build…
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Vanguard Global All Cap vs HSBC All World Index: some questions
Researching my first proper go at a stocks and shares Isa. Will be using I Web, and thanks to this forum am highly likely to be choosing Vanguard Lifestrategy 60%. However, talk of just sticking it all in an All World Index tracker also appeals. Am now researching that with a view to doing half LS60 and half Global…
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Regular contribution investment delays
As a result of various ownership changes, my S&S ISA is currently with IPS Aegon. I am looking to move to another platform. I already have non ISA investments with Vanguard. IPS Aegon's high(ish) charges notwithstanding, I am also concerned at the delay that takes place each month on my regular contribution. It can take…
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Which trading account for long term investment in equities?
I have been investing in equities in my home country in Asia through a local brokerage firm for many years. The charges are negligible which is very helpful. Now, I want to invest in global equities from UK. Or, at least in EU markets. For now I only want to invest in equities, IPOs, and may be some ISAs. I will be…
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Are Tandem legit??
I opened a 1 year fixed saver with Tandem last week. At the time, it had the best rate of interest and it was mentioned on the Savings pages of MSE website. I tried to make a payment into the new Tandem account from a Lloyds current account. When I entered the sort code and account number, the message said that it couldn't…
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Which trading account to choose? Help please.
Which trading account is best suitable for : Derivatives trading (Futures and Options) in key European markets - LSE, Euronext, Frankfurt stock exchange, Nordic and Nasdaq? It will be sporadic orders initially (6 to 12 months) and may increase gradually. It will be great if we can also trade cryptocurrencies. Any link to…
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Euros or £Sterling?
I'm British and have lived in Belgium for many years. I have a Belgian pension paid into a Belgian bank in Euros, and some unit trusts in Belgium, but never trade (because I don't know enough about it), but have sold several because I needed the money for other purposes. I'm now retired in the UK, have a few rental…
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NSI system STILL not working
Just tried to withdraw money today and the system is still not working. It failed at the automatic phone call where you are supposed to enter a code. My mobile rings then when I answer it, there is an ominous red exclamation mark and the call drops. When you try to cancel the on line transaction it fails. Then unable to…
