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Emergency Fund
I've created an emergency fund (approx. 4-5 month worth of outgoings). However, having that lump sum sat in the bank account... doesn't it lose value sat there?
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Three year fixed 1.05 - Oxbury Bank
Not one for me and certainly not recommending but heres the info I've just received. Looks like it would be close to the top of any non Sharia table. https://www.oxbury.com/product-summary-personal-3-year-bond-bap001
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REVOLUT ACCOUNT FROZEN!
I have had my Revolut account frozen, with over €10,000 in it. This seems to be a common problem, with a page referring to its controversy on Wikipedia. But does anyone know how to resolve this? I need my money, I want my money. I understand that they have to do their checks, but no phone number? No online chat? No email…
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Not financially savvy and overwhelmed by choice!
Having spent the last 24 hours reading every article on savings accounts I could find, I’m utterly perplexed and overwhelmed by choice - I wondered if anyone might be able to make a recommendation or point me in the right direction for the kind of savings account that might suit my partner and I. We are trying to put some…
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Thoughts on fixing savings now?
Hi all :) Now I know no one here has a crystal ball regarding interest rates. But I've seen the Al Rayan Fixed Term Deposit accounts increase their rates pretty rapidly over the last month or two. I think a 3 year fix was hovering around 0.9-1% and now it's at 1.31% (AER). I'm saving for a house in 4 years time, but have…
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How likely will Capital Gains Tax double in the new budget? Will it kill investing?
I have bee reading articles about the OTS report that recommended aligning income tax and CGT. Surely this would make investing outside of ISA / SIPP extremely unattractive. What are your thoughts?
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IB
Any other interactive broker users have difficulty with its platform? I have difficulty logging on client portal. Their phone helpline takes forever to be answered.
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S&S ISA from old ISA cash
Hi all, I already opened (and max out) my ISA allowance this year. I did opened a S&S ISA account this year. I have some old ISA cash that I would like to invest in the stock market. May I ask if I am allowed to open a S&S ISA account on a new platform and fund it using this old cash ISA? PS: The reason I want to fund…
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Multiple portfolios in different wrappers
Between myself and OH we have no less than 10 "portfolios" for instance we each have 2x S&S Isas (on two different platforms) + 2 x SIPPs + unwrapped investments too. My largest portfolio (high 6 figures) has ended up with 20 "funds" (including etfs &ITs etc.) which I am aware is on the high side - I'm intending to trim it…
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Are companies' no longer obliged to notify LSE of certain types of news?
I like to access London Stock Exchanges website and read company news from time to time. Today I read in Investors Chronicle that: "Companies' are no longer obliged to notify LSE of results and trading updates". I have spent time Googling this today and I cannot find a reference so I thought I would ask on here. If LSE no…
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Child Junior ISA
Hi All, I'm wanting to open a Junior S&S Isa for my little one just wondered any suggestions I've been looking at a vanguard one and just getting a lifestratergy or a dividened portfolio any suggestions thanks.Thanks :)
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What to do with £100k invested over 5 to 10 years
I'm about to exit the property/BTL market and will have the delightful problem of working out where to put £100k for at least 5 years, probably longer. Partner and I already have means to max out our ISAs and pension contributions until at least 2024/25 so I'm considering the following options: * A global tracker in a…
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Investment options
Hi all, I am 52 years old and so have 15 years to go before the state pension kicks in. I should add that I have an emergency fund of £8k in place and also have £900 a month that I am just putting into a savings account which is a seperate issue. My immediate concern is that I pay my mortgage off at the end of the month…
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Questions on buying US Shares
Hi, I’ve never bought shares before but would like to invest a small amount into a US company trading on NASDAQ. I do have a few questions which I hope somebody can help with or offer guidance: 1 - all I want to do is invest (I’m not one for multiple trading) and just hope it grows, this will be a long term investment of…
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Rules on available markets within an ISA.
Ive had my iWeb ISA for a few years now, entirely for individual companies. But iWeb is limited in which markets i have access to. I get the CAC30 and about 100 German listed companies, but its rather limited in mid and small caps. Is there a list on whats possible within an ISA and which ISA providers offer the widest…
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Selling shares
Hi All, I have never sold any shares before but I am retiring shortly and am looking to sell the shares I was given at work Four years ago in an ESS scheme. The value is approximately 75K , any suggestions who to use to realise the shares would be helpful thank You
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Halifax Share Dealing - Alternate Platform
I own only 3 different shares on this platform and trade approximately 2-4 times per year. Also none of these shares are held in ISAs. The new pricing structure at HSD is going to hit me hard, especially the annual fee. Can anyone suggest an alternate platform where I can transfer my stocks to automatically, at minimal…
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Advice regarding Tesco Share Consolidation Tax options?
Posting for a friend who's waiting for their account to be approved. I've seen all the posts querying why and what it all means. Frankly I understand the reasoning and I think the fact that they openly admitted on a call that they missed the boat with helping colleagues understand this and flagging the potential impact of…
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UK Listed Electric Car Battery Manufacturers Shares
Hi, Please can anyone tell me if there are any electric car battery manufacturers listed on the UK Stock Exchange at all? I see there is a company called Britishvolt which might list later this year. Many thanks James
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stock broker trust?
Hello. Is it OK to deposit 10k into online stock broker like Etoro? Is it possible or likely that they will take this money if I make too much money and withdraw example if I made 5-10k profit on this 10k?
