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S&S ISA VANGUARD FUNDS
Looking to open a ss isa with Vanguard , various funds available Plan to retire in 7 years time and happy to take a moderate risk rating Only wish a small if any uk stocks Any advice on which fund to take ?
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Tax advisor/accountant/broker etc
Hi, I’m interested to see who has an accountant/tax advisor etc? I am at the stage where I am diversifying my portfolio and probably should get some expert advice. Interested to see who does it DIY, or if you’d recommend any expert help, and if so in what area? I have a mix of cash, company shares, potential property…
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£12k rainy days fund - premium bonds?
Ive got my rainy days fund of £12k in my saving account at 0.01% so well below the inflation rate. I cant afford to lose this money so investing in shares is out of question. I dont plan to withdraw it any time soon but having said that you never know so I would need easy access. I did some research and I struggle to find…
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How does a mutual fund and EFT fit in?
I understand the difference between a unit fund and an investment trust i.e. a unit fund is open ended and an investment trust is closed ended (quoted on a stock exchange). A hedge fund is when private investors pool their resources together. What is a mutual fund and ETF? I believe an ETF is quoted on a stock exchange. Is…
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Gold coins Harrington and Byrne. help!
Need some urgent advice. My dad is 90. He has bought a gold coin from Harrington and Byrne. He thinks it's worth £600 but it is for sale on their website for £39. He has signed up to and paid on his Barclaycard 4 or 5 monthly payments of £139.80. starting in February. Help! Is it a scam or has he just signed up to…
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Where to put this money?
Hi.I have recently come into some money.Looking for recommendations for where to put it, well some of it.I have put £85k into a savings account with the best interest rate I have/can get just now (1.2%)I've put some into another account I have (0.75%).I've opened and put £4k into a retirement LISA.But I still have some…
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Nat West moving trust. Views and options please?
Hi. My folks have received paperwork from Nat West informing them that the bank wants to / will be passing over the management of their investment trust to another company. The pack of papers includes various documents for them to sign. There is a deadline of early January. The info is entirely unexpected. They won't be…
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RSA Shares
I have been sorting through my share certificates and am a bit confused about RSA. Despite reading lots of stuff on their website and Google, I can't find an answer. In 2011 I purchased 1000 RSA shares and have the certificate showing that. In April 2014 I was sent another certificate dated 10 April 2014 showing that I now…
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How long for Marcus account to reflect changes?
I'm starting to get just a little bit nervous. 24 hours ago now, I transferred a significant 5 figure sum into my Marcus account, but it is still not showing (24 hours later). What experiences do people have, I seem to remember it only taking a few minutes to update previously. The money left my other account immediately.…
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Can't a new ISA and SIPP even merely be opened without any investment subscription?
It is clear to me I can not open a new S&S ISA until April 6 2021 because I have already funded one in this 2020/21 tax year. Does this mean I have to wait until April 6 to be able to transfer to another provider as I also can not open a new ISA even if it is left unsubscribed at zero? I can't find clear wording on this…
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Which side determines whether partial transfer of SIPP or ISA is supported?
In order to transfer cash or in specie funds from existing SIPP or ISA provider "A" to new provider "B" what is required? Can existing provider A decide to not support this making it a non starter even if new provider B offers partial transfers in? Or are they not legally allowed to force a decision between full transfer…
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Renewable/Green energy funds
Hi all, I currently hold investments in four funds; Baillie Gifford American, Rathbone Global Opportunities, Santander Equity income and Liontrust Income. I hold these in S+S ISA’s spread across myself and my wife, but am now also thinking about allocating some funds to an ‘experimental’ part of my portfolio. I feel the…
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Ahli bank
Any one got any info on Ahli Bank of Kuwait please.Savings are secure under FSCS rules but should I be aware of any problems etc. Thanks in advance.
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Joint (parental) savings account for children
Hi all, I was wondering whether anyone new of any savings accounts for children that can be jointly opened and managed, and done online not in branch? I know with Lloyds, my wife and I can open a child savings account but for us both to be able to view the account, we have to go into branch. I can see various options…
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Options when NS&I Pensioners Bonds mature?
I helped my parents to invest in NS&I Guaranteed Growth Bonds and Guaranteed Income Bonds a few years ago. Some of them are maturing in the next few months. Does anyone know what sort of options NS&I are currently offering when these types of bonds mature? Am I right in assuming that there will not be an option to extend…
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Gold and Silver coins as an investment?
I don't currently own any Gold,Silver or Platinum coins and wondered if they should form part of the portfolio, thinking of the double whammy of precious metal and collectability. I notice the gold price is very high and i wonder where the legit places to buy these coins from. I know holding metal won't yield and dividends…
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Help on filing tax return when relocated to another country
This is for a British citizen who was working in UK government service till June 2019. He relocated to Asia and started working there from Aug 2019 (permanent job). His UK annual salary was well above 50,000 GBP. And, they were receiving Child benefit (of about 20 GBP/week) which was stopped after informing the HMRC about…
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Anyone else taking action against Woodford Equity Income Fund?
I lost a few hundred pounds with Neil Woodford's debacle. Its small change thankfully. Ive just seen this No Win No Fee claim: https://www.leighday.co.uk/Product-safety-and-consumer-law/Consumer-law/Woodford-group-claim It looks good. Curious to know if anyone on here is joining? Thanks
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Investing our children's inheritance in a managed portfolio
Our two kids (aged 6 and 9) were lucky enough to inherit 150,000 each when my mum passed away last year. We currently live overseas and so our options for investing in the UK are actually quite limited. We have been working with an IFA who has proposed an onshore bond wrapper which seems sensible for tax and administrative…
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Investing through Profit Trade
Hi - Over a year ago I invested £1700 through the company Profit Trade. The amount has grown quite significantly but earlier in the year, on 2 occasions, I’ve been contacted by their withdrawal team saying I’m not investing so I need to close the account. On the first occasion they said they needed to take money from my…
