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Woolwich Shares
My wife passed away last September, and as part of the "sorting out the paperwork" process, I found a Woolwich share certificate in her name. Unfortunately, no other Woolwich paperwork, just the certificate showing 450 shares. She also had 232 Barclays shares. Am I right in thinking that the Woolwich shares were converted…
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Help with £210k
Hi, I have recently inherited some money from a family members estate and after all the taxes etc I have been left with about £210k I was wondering what to do with it. I did consider buying a property to let. This way I would get the rent each month, (about £800-£1k a month), and the property itself would of course…
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MSE News: Ratesetter investors furious as 'technical issue' delays withdrawals after account closure
Thousands of Ratesetter investors have been left waiting to get their cash back from closed accounts after a 'technical issue' delayed withdrawals made over the Bank Holiday weekend and on Tuesday. The peer-to-peer lender says it's now fixed the problem though, and says payments should arrive in customers' accounts by the…
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Which platform is best please?
Hi all, I've been researching this for ages but still can't seem to make s decision so I'd love any advice please. I'm a 47 year old teacher. I have around £85,000 in s cash ISA that I'd like to invest in a stocks and shares ISA. After much ruminating I now need to take the plunge! I'm thinking of a VLS 60 or 80 (I'm more…
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Examples of companies to study
Hi I would be grateful if you could suggest few tips for how to study fundamentals. The amount of information for each company is vast and I wonder whether you could share what you study when you are considering fundamentals Many thanks in advance
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How to invest £50,000 gift
My friend is being given £50,000 from the sale of his ex partners house. She had it built and they lived together for 15 years. He is a carpenter and he built a lot of the interior at the time including the kitchen and bathroom. Hence the gift. Question : will he have to pay Tax on it. What is the maximum that can be put…
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How Concerned Should I Be??
I am due to be redundant very soon and financially I should be OK (£900k in savings and a SIPP). However all my investments are with Interactive Investor (in various GIA, ISA's and my SIPP). What are the risks in having all my money within the II umbrella and should I be splitting it up, say with HL or similar?
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Halifax Share Dealing Funding Problem
Is any one else suffering with the problem of being unable to fund your account with cash? They really are showing themselves to be a shambles and completely incompetent. It's the first time I have actually looked at online reviews and their Trustpilot rating is abysmal. I have always found them a bit slow but otherwise…
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Investment options beyond ISAs
I was left some money last year which has radically changed my thinking about retirement - my plan being to use to tide me over when I retire at 62 (in seven years) before various pensions options kick in. Between my husband and I we maxed out our ISAs last year, and will do the same this year. We both have the maximum…
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All world V All cap
Hi, Can someone explain in Laymen’s terms the difference between the HSBC all world global tracker and the Vanguard all cap tracker please? I’ve just paid the max into my LISA for this year and already hold the HSBC tracker but I’m wondering whether to add the Vanguard fund to my holdings. Kind regards, DH
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Cash FX Group / CFX
Does anyone know how risky or otherwise this set up CASH FX Group (CFX) is please from knowledge or experience? The construct feels like a home working pyramid sales approach but for investing on FOREX automatically! Thank you
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Jarvis Securities plc share offer - any views
As an X-O account holder i just got an email about the Jarvis Securities share offer via Primary Bid that closes at 9pm tonight. As X-O account holder I can apply through that account. Seems they are selling off treasury shares at 250p (vs current share price of around 272p). Anybody else seen this (Alexland?) and tempted…
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VLS
Hi, still very new to the site and investing in general. After some great advice on here I decided that I would open up a S&S ISA with a modest lump sum and a monthly top up. I chose the VLS 60 as it suits my risk (balanced with a lean towards the (slightly!) riskier end) and was managed by people who know a lot more about…
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Taking advantage of LISA
I am (hopefully) very shortly going to be completing on our first house purchase. My question is if I put £4000 into the LISA now, I will receive the £1000 HMRC bonus in approximately 4 weeks. When the sale is completed I will be left with £1000 in the LISA. Can I then withdraw this £1000 (or 75% of it after fees) and…
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L&G IIT vs VLS 80
Looking at some performance charts i notice that over the last 5 years Legal&General International Index Trust has grown by roughly 100% compared to 5 year growth of about 70%. Im not at all as educated on this stuff as many on here, so im just looking for some (not too complicated) explanations on the differences between…
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Wealthify Robo Investment
I see there is a deal where they will give £40 cashback if I invest £400. Have a few questions: - Has anyone here done it?- If I were to open it and put £400 in, it says you have to wait until 6 months (and then 30 days after that for the £40 to show), would I be able to pay into any other stocks and shares ISA's in the…
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Coventry BS AGM
Are there any investors who would be attending this virtually? I am unable to watch due to work commitments (teacher with after an school meeting on the day) and they do not offer the facility to ask questions in advance. I am concerned about one of the directors up for re-election due to their previous business dealings.…
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Where should I put my money
Im invested in my stocks and shares trading account £40k and maxed out my ISA allowance for both this tax year (yesterday) and last year. I was wondering where I should put my money to get the greatest tax benefit, bearing in mind I wish to retain my stocks and shares but not a pension as Im fully loaded there too. Thank…
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Socks Isa Funds
Hope someone can help as I find this confusing. I opened a stocks and shares isa with my bank as it's easier - all in one place. I spent around £100 as tipping a toe in water. I bought 10 units of a Baillie Gifford fund. I can't find the trading cut off time anywhere and as it's not the bank's own fund, they're not…
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Is there a 'right time' to cut your losses?
I suppose it depends on a number of variables e.g. your overall wealth, your risk appetite and long term investment strategy. However, for those well versed in investing, is there a sort of recognized right time to cut your losses and withdraw from a particular investment? Example, I've just put £20k into a S&S ISA and…
