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compound interest and the avg % year on year
Hi guys so much to learn and I have been reading lots I am just wondering if anyone can help me out 40 year old lad late to the saving/investing party ( sadly) took my first plunge with a £300 a month into a Vangard product the 80/20 split Acc option. I looked up compound interest and understand the concept what I wanna…
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Tandem fixed rate interest halved?
Hi, on 16 December I applied for the Tandem 1 year fixed rate, with 0.8% interest. Before funding the account I waited for the written information. It arrived today and it says ''You'll start earning 0.80% interest as soon as we (???) make the transfer''. I was about to make it and checked the website: it says interest is…
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The "Save 12k in 2021" Thread!
So, the title is pretty self explanatory, but this is the place to be in 2021 :D it's that time of year, again! In 2021, the aim is to save £12k (or, any other amount if you like) from 1st January 2021 til 31st December 2021. I know it's early, but it gives you the time to plan for how you are going to do it. Please…
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Saffron walden
Hi all probably a silly question if i send to there regular saver account on a Saturday do theybupdate your account same day or on monday?.
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Hargeaves Lansdown Active Savings - Income Tax
Do the individual institutions submit the interest paid to each saver to HMRC, or. Does HL submit the total interest earned on the AS account to HMRC
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Greencoat UK Wind
I was considering investing in Greencoat because I feel it has potential in the renewable market. However, would it be better to invest in a fund/ETF such as INRG or an IT such as Ecofin Global Utilities? Thoughts welcome.
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Good rule of thumb on how much to invest/save?
Hey , I’ll try and keep this short. For example, £1700 monthly take home... £1000 mandatory outgoings (includes food, haircut) Leaves with £700 essentially for leisure/savings/car repairs etc but how much of that is best to put away without selling myself short? ive just paid off my debts and long terms plans are really…
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Doing anything to protect savings during Brexit?
So, I'm seeing multiple dialogues online at the moment: People saying "the pound is going to crash on 1st Jan" People saying "currency trading is a great way to lose a lot of money, unless you're working in hundreds of thousands or more" People saying "it's sick how the rich will be making money off of Brexit" I have…
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Fund Swop within Fidelity
Has anyone experience please of the length of time it normally takes to transfer/switch from one Fidelity isa fund I hold on their platform , to an alternative Fidelity one I want to hold instead ? (still on Fid platform) Not sure if its all done at the same next valuation point after instruction or not . Haven't been able…
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£50k to Invest for a monthly return
Hi, As the title suggests I will shortly have £50k which I would like to invest for a monthly return. I am hoping I can get 4% per annum return in order to be able to draw around £200/month without significantly diminishing the capital. Would be interested in the views of people with similar arrangements in place or…
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Premium Bonds & LISA as a UK national living in Belgium
Good afternoon everybody! I apologise if this has been asked before, but I was wondering what the tax situation is regarding investing in the following as a UK national living in the EU (Belgium): 1. Premium Bonds (I hope to invest the full 50K as a temporary place to hold the money before I put a deposit down on a…
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Best Timing for Euro-GBP Transfer
Hi Folks, Does anyone have any reliable-as-possible financial advice on whether I'd get a better deal transfering a 6k lump sum in Euros to GBP now or after the Brexit transition period ends? I'm guessing afterwards, but your advice would be helpful. I plan to use Transferwise, as they provided the best rate in the past,…
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Freebies through Investments
Is there, somewhere on-line - a "complete" list of investments with benefits other than straightforward financial ?I am talking freebies and discounts attached to investments - with the minimum number of shares also stated .....
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problems transferring money to Raisin
Recently opened an Raisin account and attempted to send money to them from Santander. After sending £1 to check the transfer I tried to send the bulk of the money but kept getting my Santander account suspended until I contacted their security department who passed the payment and reinstated the account. However, another…
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national insurance transfer to spouse
Hi, i have paid 41 years of contribution (paye) and my wife is short ,by 3 years, can i transfer some of my years to her? if yes what form do i use? I have 10 more years of employment till i retire.
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Frederick Charles - Fine Art Investments
Was cold called today by someone called Amy at this company. Tried to lead my answers to questions about art investments. They are going to send me details by post - to an address i moved from 14 years ago. Not going to tell them my address has changed. Lol. Would I like the art to hang in my home or do i want them to look…
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20 Predictions for the Stock Market in 2020
After the thread in which posters didnt rate Motley Fool, I havnt read it yet. How did they do? https://www.fool.com/investing/2020/01/13/20-predictions-for-the-stock-market-in-2020.aspxCould you have done better, what about 2021?1.There will be no recession in 2020 2. The stock market will have another positive year 3.…
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Aldermore?
Hi. Anyone used Aldermore? I'm considering opening one of their notice accounts. I've never heard of them before though, anyone got an experiences? Thanks
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HSBC Global Strategy Balanced Costs
As many on here are invested in this fund I thought I'd mention the ongoing cost charge is now 0.55% (in CSD*) This makes it twice as expensive as the Vanguard and Fidelity offerings.
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Performance, Benchmarks, Managers, comparison etc
Hey guys, I'm familiar with companies which would provide information on fund performance, market benchmarks, manager ratings etc for alternative assets due to my former line of work, however, I'm not familiar with the options from a private investor/public markets perspective. Are there sites which would, for example: *…
