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Recommended books on investing?
Having followed the advice on this website over pretty much all its 18 years, plus plenty of hard work, and some luck, I have suddenly found myself in (early) middle age in a very comfortable financial position. Including my company pension (where I have full control over investment choices) plus other bits I've invested…
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NS&I Green Bonds??
Sorry if this is already being discussed elsewhere on the forum. Possibly something to actually look out for, provided their website can handle it. https://www.express.co.uk/finance/personalfinance/1403578/nsi-nsandi-bonds-green-savings-bond-Rishi-Sunak-budget
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50% 35% 15% ?
This might be common knowledge but I just read an article that of your take home pay a good guide is to aim for 50% of your monthly income net pay on mandatory household bills, 35% on yourself to do as you please and 15% invested. This is just a example... £875 bills, £612 personal, £262 shares/saves. Just doesn’t look…
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Avoiding going over the Captil gains Annual Exempt Amount
I Have £246,000 invested in HSBC GLOBAL AM UK GLOBAL STGY DYNAMIC PTF C, on Iweb. It has made a profit of £22,676 so I was wanting to use this years capital gains Annual Exempt Amount before April. The plan would be to sell enough of the MDYNAM (a little over half of it) and buy something similar to use the £12,300 exempt…
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12 year oldCCJ
I have a CCJ don’t even remember what it is for it was 12 years ago when I had health issues and a lot of things went by me anyhow this debt had been added to a step change account t which my then husband had sorted we have since separated and payments of just £5 a month were stopped last payment being 2016. No more has…
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18year old £10k investment??
Hi all My daughter turned 18 yesterday and with her trust fund and money for family she got £10k, but what should we do with the money? ISA, Savings, premium bonds. Etc. What would you do???
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Looking to invest/save.
Following a promotion at work, and now that my daughter is grown up and earning in a good job, for the first time in my life I'm finally in a position to be able to save or invest. Don't get me wrong we have saved in the past, but only for Christmas and never large amounts. I have a credit Union account that I save £20 a…
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RCM Technology Trust PLC
I wonder if anyone can help. I have a share certificate for the above company but when I Google it all I get is Allianz Technology Trust Plc. Does this simply mean there has been a name change and I have not been issued with a new share certificate?
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Where are the holes in this idea?
Mulling over an idea ... My OH and I are in our early fifties. We are in the process (after having a shambles of an experience with potentially buying a do-er upper) of thinking of buying a property with a small mortgage (our income streams are varied so we've just gone on the 'secure' ones for mortgage purposes). We have…
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Diversifying our stock portfolio(s)
We will soon have 2500 Chevron Shares and we already have about 5000 Standard Life ones. We have a DRIP set up for the SL ones, but will be collecting the Chevron dividend to supplement our pensions. On another MSE post of mine, where i explained that I was keeping the Chevron ones, some responders were worried that we…
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Help with wrong deposit
Not sure if this is the correct place to post: I have recently signed a form to release my deceased’s mother’s savings, unfortunately i got one digit wrong on the sort code and it’s gone to a different bank. The sort code existed just my luck! What I don’t know is if the account number is a genuine one with that bank. So…
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Savings account
Hi all, I'm new to this forum and wandered if anyone has any information on which savings accounts are best. I want to be able to get money out if I need to and the amount I save each month will vary. I am with Natwest with a current account. Thanks 😊
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Advice on my investment and savings plans please
Hi Everybody, Resurrecting my old thread https://forums.moneysavingexpert.com/discussion/5910172/advice-on-my-plans-please Time has moved on and I could do with some opinions again as last time it was very helpful, Please if anyone wants to read the original thread and then look at my current position and comment it would…
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Virgin instant saver going down to 0.35% on April 27th
Virgin has been a decent all rounder for me in past year or so with this a/c and interest on current a/c first £1000 and 1% fixed ISA, at least there's 2 months notice of the drop
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Do you invest your emergency fund?
Hi all, would anyone be able to advise on my emergency fund please? I currently have £30,000 in my Marcus account earning 0.50% interest. Me and my husband both work full time, if one of us is unemployed we could cover monthly bills on the other persons wage while the other was job hunting. Having £30k sat in cash slowly…
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Opening Barclay’s Children’s Regular Savings account during lockdown at the branch
Hi, does anyone know how if I can open a Barclays children’s regular savings account - which allows only branch opening. I spoke to Barclays on the telephone and they said I needed to go into the branch to open this, and it’s allowed during covid and didn’t need a appointment and can be done by queuing up and over the…
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Best way to save for a house?
Best way to save for a house?
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March Budget ‘21 Premium Bond Limit increase
There must be hundreds of billions of pounds sitting in savings accounts get almost zero interest. If the Chancellor wants to raise a few hundred billion quickly he could raise the Premium Bond ceiling to £250,000 in the budget. That would raise a huge sum and also shake up the banks who are giving savers virtually nothing…
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Where to save if used fixed isa
I have put my savings into a fixed isa which finishes 4th April 2022. This means I can only add funds for 30 days. The question is where is the best place to receive interest now I cant use my isa until the fixed rate expires?
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Why so cheap for ESG type fund
Decided to pick a fund to follow, that Id never heard of ,just for fun. If it continued to do well, I might be tempted to jump in . The criteria were to be green , 5* on MS or Trustnet, a fairly good performance ie mostly in top 2 quartiles, offer Acc and be cheap. Picked out Federated Hermes Impact Opportunities Equity T…