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Global Small Cap Index, thoughts please
My first foray into investing is £20k in Vanguard's S&S ISA. If you've seen my other posts you'll know my overall objectives and goals. I've already put £10k to work in the LS100 product. The remaining £10k will be invested this week, within Vanguard's range of funds. I'm not sure if the following comes under the…
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Moneycorp Bank and the Gibraltar Deposit Guarantee Scheme
I’m looking at putting some money away to pay CGT next January, and Moneycorp Bank is currently offering 0.65% on its 90 day notice account. However, it is not covered by the FSCS but €100,000 seems to be covered by the Gibraltar Deposit Guarantee Scheme. Is anyone able to share their experience of using Moneycorp Bank or…
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Switching Funds
When you switch isa funds within your chosen platform, are you always out of the market for a period? I see on Fidelity's website that when you choose to switch funds you'll be out of the market for 48hrs. For some reason I never gave a thought to there being a delay due to the sell/buy process.
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Splitting Cash ISA
I have around £30k in a fixed rate cash ISA with the post office, about to mature in the next few weeks I also have a similar amount in a Stocks and Shares ISA with Fidelity. What I ideally want do is move a part of my cash ISA to Stocks and Shares, but retain a portion in a cash ISA The challenges I am facing are: the…
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My SaS ISA portfolio, any thoughts?
Just wondering what people's thoughts might be on my portfolio as it stands... SMT BG AmericanBG PacificBG Health InnovationiShares Edge MSCI World ValueVWRL VFEM I know there's some overlap but nevermind!
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I don't trust the stock market...
I've made a few threads on here asking for investing advice... im confused.. if now is a good time to invest.. it feels like the top and the bottom is a long way down..stock market is all time high during a pandemic.. this makes no sense at all.... stimulus money inflating prices.. what happens when all this ends... I've…
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Serious Cash
I have a few hundred thousand pounds sitting in various accounts earning derisory interest. I am going to need all of this money at the end of 2022 to pay for a building project. (Although I could pay for it via a Lombard Loan, but it's not in my nature). Could I be doing better that getting less than half a percent from…
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Barclays Smart Investor for ETF portfolio - any experiences?
I'm weighing up a few options for an ISA transfer out from a robo-advisor platform (has done well over the last few years but looking to trim fees and consolidate a little). iWeb and Lloyds are contenders, but just come across Barclays who I already have a current account with. The plan is to transfer a lump and for that…
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Vanguard Help
Hello, It appears that I cannot actually buy shares on Vanguard - instead I get a 'wrapper' called an equity fund, is that correct? There are over 20 of these to choose from, all with different risk scores and rates of return. is it not possible to build my own individual stock portfolio on Vanguard - if not, where can I…
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Moving a IT to another platform?
Am I correct in believing that I cannot move an IT held in HL Vantage to a Fidelity ISA? If my assumption is correct? that means that I would have to sell the IT, transfer the sale cash to my bank account and purchase the IT in my Fidelity ISA? Can any one confirm that I understand this correctly? If I am correct? then I…
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Platform and Fund Recommendation - S&S ISA
I have around £30,000 in a Flex Cash ISA and £50,000 in Premium Bonds. I’m looking to open a S&S ISA to transfer the £30,000 into a S&S ISA. First question, is it possible to transfer the £30k from a cash ISA into a S&S ISA, or can I only open a S&S ISA with £20k? Second question, what is the best platform in terms of…
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Vanguard Retirement Fund
Hi all, I wondered if anyone could explain how the Vanguard Retirement Fund works? I am 36 and hope to retire early. I have recently started contributing to the Vanguard Target Retirement 2040 Fund and wondering if this is the right choice for me. I intend to contribute to the fund in the long term. I notice that the split…
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Are Morgan Stanley Shareworks an expensive company to hold shares with?
HI I am being made redundant and all my shares held with my employer are being transferred to Morgan Stanley Shareworks. The shares will be held with them until such time as I come to sell. I can also choose my own broker but I haven't a clue of where to start with that. Are Morgan Stanley's dealing charges reasonable does…
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Is it possible to cash in on a funds growth like with shares?
I've just begun to invest in a S&S ISA with Vanguard and it's the first time I'm investing in funds, I wanted to understand something around the growth of the fund and how to take a profit, might be best to explain with an example, with a share lets say Apple, if the price goes up from 1 dollar to 2 dollars and you sell,…
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Long term savings 1k a year
Hi, I'm looking to save 1 k a year for a minimum of 12 years. I'm considering a stocks and shares isa I am late 30's married with 3 children under 6. Combined income 90k. We already have savings in cash isa for emergencies. I see vanguard getting mentioned alot. I'm probably more inclined to just deposit money and leave it…
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Another Vanguard S&S ISA thread..
Sorry another Q re Vanguard, but its bugging me and i have read so much information im confusing myself now. Im currently invested in Vanguard Lifestrategy 60 fund, i have noticed some others who also hold Lifestrategy also have VHYL, VUSA and VWRL in their portfolio. I would be interested in your thoughts if this is a…
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ISA platform to hold HSBC global strategy
I've got a hargreaves landsdown LISA which I hold a VLS product in. Now looking to buy HSBC global strategy fund. For the benefit of spreading a little bit of platform risk I want to hold this in another ISA. I already have a Halifax S&S Isa for a small amount of active buying and selling of individual shares. Would this…
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Unexpected Increase in Investment Value
My SIPP is made up of Vanguard LS60 and HSBC's balanced equivalent. It appears to have increased in value by 2% over the past few days. Obviously a pleasant surprise, but I was wondering why... dividends? currency movement? something else?
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All aboard the Vanguard ship
Doing nothing is worse than doing something. I’ve been thinking, reading mulling over since Christmas so I’ve jumped in £100 a month in my daughters (7) JISA to try and get hers near the value of her brothers (11) CTF (£3k) I’ve settled on ESG (because 7 year olds should not profit from the sales of cluster bombs and…
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4 Month Investment Plan
Hello, I have around £180k to invest. - I have 10k inside a trading 212 CFD account which I use to do a little day trading (enough to buy a cup of coffee and food purchases) - I have 15k in Etoro (which is not ideal due to the fluctuating USD/GBP exchange rate at the time of deposit/withdrawal) The rest of the funds are…
