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Work pension funds rebalancing. Does it make sense?
Dear all, My work pension is currently with L&G at the default option, L&G Multi Asset Fund 3. The growth so far is very moderate. I'd like to make a lumpsum contribution soon before/after rebalancing my funds. A few questions please: 1) Should I rebalance my funds before or after lumpsum payment? 2) Potentially I have…
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Change to No Trail class investment?
Hi all, I have a Regular Invesco Savings plan of standard accumulation shares. The company are using different Servicing Agent so all new share purchases will be to No Trail class. can convert my existing investments the equivalent cheaper class also. What impact this on investment? Is it good idea or not? thank you in…
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A question re SIPP drawdown and tax.
Morning all, My wife works for the nhs however the pension that she will receive will not be very much as she won’t have worked there very long and we plan on her retiring early to coincide with my retirement. When I say low I mean way under the threshold for paying income tax! I am currently putting at least £500 per…
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£50k - For 5 to 8 years?
I have my long term (15-20 years) growth funds in isas and sipps sorted out. I can forget about these and I don't mind any volatility. This leaves £70k in the bank earning very little interest. My mortgage will be paid off soon, and my outgoings are tiny, so I really only need £20k in instant access accounts. But I don't…
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Prevent Halifax regular saver renewal online - but how?
My Halifax Regular Saver matures in around 10 days time and Halifax have notified me of this via post - all good - telling me that the funds will transfer to the 'EveryDay Saver' (set up with the Reg Saver) and the Regular Saver with automatically renew. However, I don't want to auto-renew on this occasion but I can't find…
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PSA limit
Hi Question... if the interest i have earned in the year is bigger than my PSA, do i need to do anything, or will HMRC automatically charge tax me for that? Also, if i am over the limit, i pay taxes for the whole interest or just for the part that is over the limit? Thanks
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why are the banks giving freebies?
Wonder why the banks have decided to go down the 'go with us for free cash' route. there are several at the moment- virgin money, hsbc, first direct. I remember a few years ago this sort of thing was all the rage, then it died out. maybe it just takes one to do something and the others follow suit.
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Savings for Uni - Via Pension or JISA
Hello all, I'm looking to save some money to pay for my child to go to university. She is currently 8 months, and I am 41. I have 2 options, to pay into a Junior ISA. This is what I have been doing for the last 8 months, a Junior ISA, from Vanguard, buying Lifestrategy 100 The other option is to instead pay more money into…
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Stock Trading Account Required With No Account, Custody Or Inactivity Fee For Perseus Mining ASX:PRU
Can you help me to find a stock trading account where I can hold Perseus Mining Limited, listed on the Australian Securities Exchange ASX:PRU, without any account, custody or inactivity fees? I am a long term holder of these shares from when the company was Cluff Gold. They were bought by Amara Mining and then Perseus…
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Stock Markets - where does the money go?
So today, every market globally is down. So where does the money go when everyone is selling? Into bonds maybe? Or kept as cash to catch the next big dip in the market?
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SAVING REGULARLY FOR OUR GRANDCHILDREN'S 18TH BIRTHDAYS
Hi, I have started saving monthly for our grandchildren's 18th birthdays and plan to give them each £18000. They are currently 5, 3 and one on the way. Can anyone please advise if there will be a problem for us gifting this money via cheque or bank transfer to their accounts when they are 18?
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Halifax £36 hike?
Had an email outlining a new charge of £36 a year for holding a Halifax sharebuilder account, i only like to trade occasionally and like to leave them in drip schemes mainly. I think i prefer the old days of share certificates if they are gonna slap annual charges on like this. Anyone planning to switch and if so where too?
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Selling without losing isa status
Hi . Ive got 3 old funds in a Fidelity isa wrapper. One 30k one is not doing well. I want to split the value of it between the two other funds . Im thinking you probably cant switch a fund into two separate funds , but if I instruct to sell Im scared of losing isa status and if I do it on the phone , (if I got through ) it…
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Vanguard Life Strategy funds Versus Vanguard Target Retirement funds
Hoping someone can enlighten me with regards to the difference between Vanguard's Life Strategy (LS) funds and their Target Retirement (TR) funds? Aren't they in essence the same same things i.e. instead of calling them TR funds they could have called them LS funds ( e.g. their TR 2035 fund could have been called LS 70%…
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Palantir
What is the general view? I have bought some yesterday and today. Risky but expected to be high returns.
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Blackrock's MyMap Funds
Looking into the MyMap funds as an alternative to Vanguard LifeStrategy and HSBC Global Strategy. I notice on MyMap's KIID that it states the following: You can buy and sell your units daily. The minimum initial investment for this unit class is £100,000. Surely the amount of £100k can't be right?
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Cable and Wireless share split
I am attempting to calculate a share loss on the above equity some of which I've held as early as 1989. I know there was a share split in the 1990's being two new for one old but not having any share certificates is making it tricky. I'm trying to ascertain the date of this split. Note: this is the original CW. company and…
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Premium bonds
I have a decent amount in savings that of course aren’t earning any money at the moment, the money is in my sole name. I have the maximum amount in premium bonds but would like to buy more but in my husbands name. Am I able to do this without either of us being subject to tax?
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Suggest a risky, green, investment for £1k
Ir-regular reader and poster, has one thousand pounds that must be spent for tax reasons.And must be in a market available via HL (because I'm already there).I'd like something with a load of risk and very environmentally friendly. Any suggestions? (and hey didn't I get SMT right).
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Tax - GIA and ISA - withholding , Excess Income.. Mega matrix
Guys, I'm trying to put together a mega matrix of investment options and the tax/niggles associated with them depending on where they sit. I've had a go, but I've got some blanks, and some bits I'm not sure on the accuracy of... I'm hoping the collective wisdom of this board can help fill in these blanks and verify what I…
