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trading212
Good day! Has anyone heard of trading 212? the website https://www.trading212.com/en Any information or experience or thoughts? very much appreciated
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Fixed Term Savings Account.
Hi All. I tied £36k into a 1 year fixed term savings account last July with Metro Bank and my circumstances have changed and I have been given notice on the rental property I am living in. This means I now need to withdraw the cash as soon as possible, because I am buying a property. Do Metro Bank have the right to refuse…
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Stocks and Shares ISA - Vanguard or Trade 212?
Just wondering the pro's and cons of either. I only want to buy Vanguard products at the moment and it seems like a no brainer to sign up with Vanguard. Any thoughts?
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$Dollar Index DXY advice needed
I see the dollar index is rising putting downward price pressure on gold. https://finviz.com/futures_charts.ashx?t=DX&p=m1 Questions I like to ask: - Is DXY index going up because Euro EUR currency is going down now? - Will all that money printing for stimulus cheques coming soon courtesy of the Biden administration, will…
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Structured products, execution only brokers
Is anyone aware of a UK regulated financial advisory business that will charge a fixed fee for intermediating a structured product? Thanks
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£5k to invest a month
Hi there So my partner and I currently save somewhere between £5000-5500 a month. Apart from shovelling it into ISA's and it sitting in our current account we aren't doing much with it. I am looking for ideas on what we should be doing with it, so I thought perhaps here would be a good place to start. I figure we could…
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Al Rayan rate reduction
For those still with issue 1 of Al Rayan saving account currently paying 1.15% it is reducing to 1.03% as of 22nd February. Still worth keeping in reserve in case Skipton reduce their rate.
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New issues
Whenever I've bought new issues of shares before, I've bought them directly from the company that's in the process of going public, thus avoiding stockbroker fees. However, Money Saving Expert states that they need to be bought via a stockbroker. Can anyone clarify whether it is really necessary to use a stockbroker to…
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Tracing Old Unit Trust - The Scottish National Trust PLC.
During my lockdown clear-out I’ve found a share certificate
for above Unit Trust dated1989. I'd
forgotten all about it. Gartmore was bought out by Henderson Global Investors and
then by Janus Henderson (JH) in 2011. I’ve been in touch with JH who have said that
they don't have details of individual investors and that it…
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Interest rates for savers - not looking good.
After reading this, I'm pessimistic about the long term prospects for the savings I have... https://www.theguardian.com/business/2021/feb/04/uk-banks-given-six-months-to-prepare-for-negative-interest-rates
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inheritance
I have £80K in inheritance and want to do something with about 60K keeping the other 20K in something I can get to in an emergency what do you suggest i do not mind taking a slight risk but do not want to lose it
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Children's Accounts what does it mean when they say all withdrawals must benefit the child.
Hi there, I am looking at putting some money into a children's account in addition to the 2x regular savers which are for your child's future (i.e Uni, driving lessons, deposit for house etc). The new account will be more for a lump sum for spending on the child in the future i.e improving her bedroom (decorating, new bed,…
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Any Suggestions on my ISA portfolio
Dear All Seniors,Here is my portfolio one for myself and one for my wife , we just started in end of Nov 2020 and here is the position as on 04-02-2021 ISA with HL Funds Baillie Gifford China Class B - Accumulation (GBP) 32.93% Baillie Gifford Managed Class B - Accumulation (GBP) 12.76% Baillie Gifford Positive Change…
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Vanguard Fixed Income Bond
Hi, has anyone had any dealings with this company; they are offering a savings rate of 1.75% on a 1year term?
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Oxbury Bank
Was notified by this the other day on a money email from Savings Champion. this is an agricultural bank, and has just launched this offer to the public 3yr fixed rate 1.05%. Checked them out, and opened within minutes. 18 days to add funds. Deposited opening account of £1000 and received acknowledgment e-mail nearly…
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CRYPTO BROKERS...any advice as crypto.com has stopped taking GBP transfers
Hello I was just wondering if anyone can recommend a crypto broker. I am currently using Crypto.com but in late December they are "looking" for a new GBP bank and are not accepting GBP bank transfers which was free. You can still use a bankcard but the fees are quite high. I have read about coinbase just now as they are…
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Global Tracker Strategy timing
I've been reading Tim Dale and Lars Kroijer, and planning on following a 50/50 gilts/global tracker strategy. Trouble is, it seems such a dreadful time to buy into global stockmarkets, esp US. I was quite taken with a Vanguard Fund which is global ex-US. But I suppose it would be going completely against the principle Lars…
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Regular Saver Maturing
Hi All, I've a Coventry Regular Saver maturing with £6k in it. The new Regular Saver is at 1.3% and this seems the best on offer, is there anything I might be missing?
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Fund Closing Price , Weighted Average cost Calculations
Please can some one explain me how these fugures are calculated, This is from the HL platform and the fund is Royal London Sustainable World. DATE TYPE UNIT COST (p) QUANTITY TOTAL COST (£) 25/01/2021 Sold 311.1 482.1601 - 1,500.00 19/01/2021 Bought 309.4 504.7317 1,561.64 08/12/2020 Bought 305.3 524.0747 1,600.00…
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Invested into 2 X s&s ISAs - rectifying?
I mucked up and put funds into a second S&S ISA (within this tax year) in the last few days. I cancelled the trade it was for however understand that just putting the funds in is contrary to HMRC. I believe I need to advise HMRC, and CSD said the same. However after 1.5 hours of trying, when I finally got through to HMRC…
