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cash LISA + fund investment for retirement?
Hi everyone, to make it short to people who didn't read my previous thread, I am thinking about a way to make some decent money out of my savings overtime, until I will reach retirement age.I'm in my mid-thirties and self employed (sole trader).So, I'm thinking about these three options: - Open a S&S LISA with AJBell, with…
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Interest on savings allowance
For the 20/21 tax year, if the only income is rental income and after deducting for allowable expenses the "profit" is less than 12.5k (but gross rent is more than 12.5k), would the interest on savings allowance be £5k (the starter rate for savings)? So if interest was less than the 5k, no tax on savings interest would be…
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Investment management - Christmas Edition
Hello, I hope you are all having nice holiday. It's a very long message, so relax before to start :D . Recently we were discussing in another thread about investment management, here the Christmas edition is just a funny title, but be prepared to hear a funny story too :) . I started with funds like an idiot, but in every…
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IAG SA and other airlines. Time to buy?
A lot of airlines stock prices have nosedived for obvious reasons. Surely while nobody can predict the future if there was ever a time to invest in them it would be now. Price is rock-bottom and while next year or even the year after might not be back to normal with travelling surely 5 or 10 years down the line there…
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Money to children/grandkids
Ok 1st time posting, I've come into some money and want to give my 2 boys 10k each and 2 grandchildren 5k each. The boys are easy one wants to use it as a house deposit with is help to buy isa and the other a car for his family. But my grandchildren are 9 and 12 respectively and I want to put it in something at least till…
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Bond index fund vs savings account
While paying lower interest than equity funds, bonds fund identified as a low risk investment. Does it mean they are a good alternative to savings accounts that pay almost nothing? I used to have Santander 123 but the interest is so low so I am wondering where to put my 20k+ emergency fund and don’t lose much. I was…
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Passive + active investment? Or just passive?
Hi everyone and hope you are all having a great time with your family during the festivity, despite this crazy year!I decided to invest some of my money (an amount that I might be okay to lose, according to the general wisdom about investments) as a way of building up on my pension for the future.After some research, I…
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Is it possible to reclaim lost shares?
Hello all I'm not sure if this is the right place to ask (so feel free to remove Mods) but I need some help with reclaiming some British Airways shares. I have been a small time investor for a while now and my elderly mother recently mentioned she bought 100 BA shares in the 1990's. She essentially bought them and then…
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Solicitor Typed: £X00.000.00 - Typo or Correct?
My solicitor recently issued me with a letter, with instructions for writing a cheque for a six figure sum. He'd typed out what to write on the cheque and used a full stop where I'd expect a comma or apostrophe? Like this: X00.000.00 Is this a typo or correct? Btw. The X is just to keep the amount private.
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G4S takeover - what to do with shares
I received a few thousand shares in G4S from an inheritance some years ago. I've left them untended and just thought that G4S, over time, is likely to be fairly safe. I've now heard within the family of a takeover by an American company/corp and some advice that a relative received from a broker was that there was a…
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Using ISA to fund retirement
I have the chance to retire 3 years early, in a couple of months, with an LGPS pension. Im unsure as to whether to start taking my pension straight away, loosing around £1584 pa due to early retirement or to take what i need (£1k a month) for 3.5 years from my ISAs/savings and leave my pension where it is until im 66. If i…
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Calculating dividend on accumulation fund
I'm trying to calculate dividend payments on RL Sustainable World Trust C Acc. Monevator (https://monevator.com/accumulation-funds-dividends/) says to multiply the dividend amount by the number of units held. Trustnet (https://www.trustnet.com/factsheets/o/gvwj/royal-london-sustainable-world-trust-c-acc) says the divident…
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Day trading
I have been day trading recently as the market is so volatile. I have been having really good success with Lloyds shares. Does anyone on here day trade, or have recommendations for any particular shares?
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Saffron e-Saver Issue 19 0.5% easy access CLOSING today (Wed 23/12) 5pm
https://www.saffronbs.co.uk/savings/immediate-access-savings-accounts/e-saver-account-issue-19-ge19 This account will be withdrawn from our savings range on the 23 December 2020 at 5:00pm.
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Cash isa to ss isa
I'm a 34 female, home owner, no debt, pay into work pension & have an emergency fund. I have just over 2k that has been sitting in cash isa for 3yrs (currently at 0.05%). I was thinking of splitting into a better rate cash isa & opening my 1st ss isa. The ss isa is for long term investment & I will continue to drip feed…
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Chip -125
Does anyone use this ap. is it worthwhile
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Invested in wrong fund
Hi, I’ve mistakenly invested my LISA into the HSBC FTSE index world INC tracker rather than the Accumulation version of the fund. Ive spoken to AJ Bell who advised me to send a secure message last Friday but I’ve yet to hear anything back ( I understand there may be a delay with COVID ) Does anyone have any idea of what…
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Increasing IFA Charges
My IFA currently charges 0.75% but is unilaterally seeking to raise this to 2% If I refuse to sign they will terminate my current agreement, leaving me with their portfolio and platform but without guidance - is this an ombudsman issue?
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Savings account with a financial goal
Hi, is there a savings account where you can set a goal and so you cannot withdraw until that goal is reached? I have some things I want to buy and I'm terrible at saving. Thanks.
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VWRL vs VLS80
Hi all, I'm thinking of changing from the VLS80 to VWRL as a global tracker as I don't like how UK weighed the VLS is. I only have 7k in the VLS80, how can I swap this to VWRL? Do I need to wait until April to open a new isa then transfer it over? Or is it a case of selling my vls80 holdings and jist buying the VWRL now?…
